We are looking for a detail oriented and analytically strong Compliance & Risk Analyst to support our financial crime and risk management function as we scale globally. This role is critical in safeguarding Hello Clever's platform, customers, and partners by proactively identifying, investigating, and mitigating financial crime and fraud risks.
You will play a hands on role in transaction monitoring, fraud investigations, dispute and chargeback management, and regulatory reporting. You'll work closely with cross-functional teams including Operations, Product, and Customer Support to strengthen our controls, improve detection capabilities, and ensure we meet our regulatory obligations across multiple jurisdictions.
This is an excellent opportunity for someone who thrives in a fast-moving fintech environment and wants to contribute to building robust, scalable compliance and risk frameworks.
Responsibilities
* Transaction Monitoring & Investigations
o Review and analyze customer transactions to identify unusual patterns, behaviours, or activities indicative of potential ML/TF risks.
o Conduct reviews on alerts escalated from automated monitoring systems.
o Document investigations thoroughly, ensuring clear audit trails and rationale behind decisions.
o Assess customer behaviour, source of funds, counterparties, and risk indicators as part of case investigations.
o Monitor and investigate potential fraud indicators, including unusual spending behaviour, high‐risk transaction patterns, and account takeover red flags.
o Manage and review customer disputes, ensuring accurate assessment of claims and timely resolution in accordance with scheme rules and regulatory requirements.
o Prepare and track chargeback cases from initiation to closure, ensuring complete and well‐substantiated submissions.
o Collaborate with internal teams (e.g., Operations, Product, Customer Support) to identify root causes of fraud or dispute trends and implement preventive measures.
o Provide fraud‐related advisory support, including emerging fraud typologies, controls, and mitigation strategies relevant to payments and digital financial services.
o Maintain documentation of all fraud investigations, dispute handling, and chargeback processes for audit and regulatory review.
o Prepare, draft, and file STRs/SARs to the relevant regulatory bodies within statutory timelines.
o Maintain a log of all submitted STRs and collaborate with regulators for any follow-up queries.
o Ensure STR submissions are accurate, comprehensive, and aligned with internal policies and regulatory requirements.
o Assist in enhancing transaction monitoring rules, thresholds, and typology coverage.
o Provide insights on emerging financial crime risks, typologies, and regulatory expectations.
o Support periodic reviews of AML/CFT risk assessment frameworks.
o Offer subject matter expertise to the business on transaction risk, red flags, and preventive measures.
* Policy, Controls, and Compliance Support
o Contribute to the development and refinement of AML/CFT policies, procedures, and workflows.
o Participate in internal audits and external regulatory inspections as needed.
o Support training initiatives to enhance staff awareness of AML/CFT risks and controls.
Skills & Qualifications
* Experience & Qualifications
o 3 years of experience in transaction monitoring, AML investigations, fraud risk management, disputes/chargebacks, or financial crime compliance—ideally within a regulated payments institution, fintech, bank, or financial services firm.
o Demonstrated experience in identifying suspicious activity and drafting/filing STRs/SARs.
o Experience in fraud case handling, dispute resolution, and/or card scheme chargeback processes is an advantage.
o Strong understanding of AML/CFT regulations, fraud typologies, red‐flag indicators, and scheme/industry rules relevant to payments, cross‐border transfers, and digital finance.
o Strong analytical and investigative skills with the ability to interpret data and spot anomalies.
o Excellent written communication skills, especially in drafting clear, concise reports.
o Ability to manage multiple case queues and meet regulatory deadlines.
o High level of integrity, attention to detail, and sound judgement.
o Familiarity with transaction monitoring systems, fraud detection tools, and case‐management platforms is a plus.
* High‐Growth Fintech – Be part of a company that is shaping the future of real‐time payments and business growth.
* Career Development – Opportunities to grow in payments, operations, and leadership.
* Impactful Role – A key position that touches all areas of the business, driving efficiency and culture.
* Dynamic Culture – Join a passionate, collaborative team that values innovation and execution.
About Us
Hello Clever is building the next generation of payments and loyalty infrastructure by turning every transaction into growth for merchants.
We're an AI‐powered fintech operating across 22+ markets, helping businesses move money in real time and convert payments into measurable outcomes like higher repeat rates, bigger baskets, and smarter customer engagement. Our platform combines local account‐to‐account rails, embedded cashback & loyalty products, and powerful data intelligence (Clever AI) so merchants can launch offers, optimise ROI, and scale faster - all through a single integration.
We're also proud to be recognised on the global stage including being named Australia's fastest‐growing fintech, top 100 Forbes Asia, ranked in the AFR Fastest‐Growing Companies, and selected for Inc. Magazine's Best in Business alongside some of the most iconic companies in the world.
How to Apply
We keep our process simple but effective:
Intro Chat – A video call to get to know you, your experience, and what makes you tick.
Meet the Team – A casual in‐person or virtual meeting to ensure alignment and discuss your vision for the role.
Show Us Your Thinking – A short presentation or discussion on how you'd approach some key challenges in this role.
If this sounds like an exciting next step for you, we'd love to hear from you.
Apply via: careers@helloclever.co
Please note, only shortlisted applicants will be contacted.
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