We believe that businesses of all sizes deserve better financial and payment products and services. Traditionally, businesses of all sizes are let down by slow applications, protracted onboarding, opaque pricing, restrictive contracts and forced to use outdated solutions that no longer meet the innovative requirements of modern business.

We started our journey four years ago, and have since helped tens of thousands of Australian businesses reduce the complexity and time taken to take and make payments, manage complex fleets of payment hardware, store and save money and lead the conversation in business-to-business fintech. We’re now taking our next steps in expanding our industry and world leading capabilities into the United Kingdom.

Our company is backed by leading global VCs, and brings together experienced payment and tech industry professionals who are aiming to redefine business banking and the way businesses get paid by their customers.

If you are passionate, curious, hungry and seeking an opportunity to make your mark on Fintech in the United Kingdom, with the strength of a global team behind you - we’d love to talk to you. This is a unique opportunity to shape, direct and build better financial services for all UK businesses.

Zeller is searching for a Fraud Risk Analyst to join our growing Risk and Compliance team. This is a crucial role where you'll be on the front lines, helping us protect our business and customers from fraudulent activity.

You'll be responsible for detecting, investigating, and mitigating fraud across our platform. Using your sharp analytical skills, you'll identify suspicious patterns and trends, conduct thorough investigations, and work to implement new controls to stay one step ahead of fraudsters. Your proactive approach and attention to detail will be key to protecting Zeller and our merchants from financial crime.

This position is perfect for someone who is a natural problem-solver, highly motivated, and has a strong sense of ownership. You’ll thrive on a challenge and be motivated by the opportunity to make a tangible impact on a fast-paced and innovative fintech. We’re committed to giving you the resources and support you need to do incredible things and grow your career with us.

Responsibilities

Support fraud monitoring and risk controls across merchant acquiring products, including card acceptance, authorisation, clearing, and settlement
Contribute fraud and risk input across the end-to-end acquiring lifecycle, from merchant onboarding and underwriting through to live transaction monitoring and settlement
Work with card schemes (Visa/Mastercard), acquiring partners, processors, and gateways to manage operations and resolve acquiring-related issues
Identify and monitor fraud typologies relevant to merchant acquiring (e.g. card-not-present fraud, friendly fraud, chargeback abuse), supporting mitigation strategies)
Support merchant KYB/KYC and underwriting, working closely with Risk and Compliance to meet scheme rules and UK regulatory requirements
Monitor and help manage disputes, chargebacks, refunds, and scheme queries, ensuring thresholds and SLAs are met
Demonstrate an understanding of payments, including FPS and UK domestic (UK-to-UK) payment flows, and PCI DSS requirements
Operate in line with relevant regulatory and scheme guidelines, including card scheme rules, AML/CTF requirements, and industry standards

Skills, Knowledge and Experience

2+ years' experience in merchant acquiring, payments, transaction monitoring, fraud prevention, merchant risk, or financial crime operations within a UK regulated financial services environment

Hands-on experience in merchant acquiring or card payments, including working with card schemes, acquiring partners, payment processors, or gateways, with a solid understanding of merchant onboarding, underwriting, and transaction lifecycles

Experience monitoring and investigating transaction activity, identifying fraud trends, anomalies, and emerging fraud typologies within payments or merchant acquiring environments

Knowledge of fraud typologies, transaction monitoring controls, chargeback management, merchant risk, and fraud mitigation strategies

Understanding of card payment processing, including authorisation, clearing, settlement, disputes, chargebacks, refunds, and UK payment systems such as Faster Payments (FPS)

Experience supporting merchant onboarding and ongoing merchant risk monitoring activities

Working knowledge of card scheme rules, PCI DSS requirements, AML/CTF obligations, and payment industry standards

Strong analytical, problem-solving, and investigation skills, with the ability to assess risk and resolve complex operational, fraud, or payment-related issues

Strong communication and stakeholder management skills, with the ability to collaborate effectively across teams

Ability to work independently, manage competing priorities, and exercise sound judgement with minimal supervision

Bonus Points (Nice to have)

Experience within Banking, Financial Services, Payments, FinTech, or a Government or Regulatory body
Experience working in a high-growth startup or scale-up environment
Relevant industry certifications such as CAMS, CFCS, ICA, or equivalent financial crime, fraud, or compliance qualifications
Experience supporting card scheme audits, compliance reviews, or PCI DSS initiatives

Like the rest of the team, you’ll benefit from

An opportunity to shape and build the future of Zeller from the ground up in the UK
A competitive salary package, including equity from an early stage
Pension contributions up to 5% to support your future financial wellbeing
25 days annual leave + bank holidays
Enhanced inclusive parental leave
A balanced, progressive, and supportive work environment
Endless learning and development opportunities
An annual allowance for courses, certifications, conferences, and books to accelerate your professional growth.
Being part of a fast-growing and ambitious scale-up.

At Zeller, we celebrate diverse perspectives and experiences, and strongly encourage people of all backgrounds and identities to apply to join our team.

We want you to be able to show up at your best during the recruitment process. Please, let us know if you require any accommodations during your interview process with us.

Zeller

Fraud Risk Analyst

About the Job

Requirements

Responsibilities

Desired Qualifications

Responsibilities

Skills, Knowledge and Experience

Bonus Points (Nice to have)

About the Company

Zeller

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