This AML Operations Analyst (Fraud) role focuses on protecting LemFi and its customers from fraud losses while keeping products easy and safe to use. The Analyst will investigate fraud alerts and cases, handle fraud reports from customers, banks, and partners, and respond to chargebacks. Day-to-day work covers end-to-end fraud investigations, customer ticket responses, and identifying emerging fraud patterns in a fully remote setup across Nigeria.

• Job Location: Nigeria (Remote)
• Employment Type: Full-time
• Salary: Not stated

LemFi is a financial technology company that provides international payment and money transfer services tailored for immigrants. The platform allows users to send, receive, and hold money in multiple currencies with zero transaction fees and competitive exchange rates. By offering multi-currency accounts and instant transfers, LemFi helps diaspora communities seamlessly manage their finances across borders.

• Work fraud alerts and cases and make accurate, timely decisions to block, restrict or release activity
• Run end to end investigations into card funding fraud, account takeover, APP scams, first party fraud and coordinated account networks, using device, IP, transaction and identity data
• Review fraud reports and recall requests from customers, banks and payment partners, take action on affected accounts and respond within agreed SLAs
• Review card disputes, gather evidence and submit responses within deadlines
• Respond to fraud related customer tickets with clarity, professionalism, and empathy
• Identify emerging fraud trends and suggest rule or control changes to reduce losses
• Escalate cases with money laundering concerns to the AML team
• Work with product, engineering and payments teams to improve fraud rules and controls

• 1-3 years of fraud experience in a fintech, payments company or bank
• Hands-on experience with card fraud, chargebacks, APP scams and account takeover investigations
• Experience handling fraud reports and recall requests from banks and partners
• Understanding of fraud rules in the markets we operate in, including APP scam reimbursement and card scheme dispute rules
• Familiarity with KYC and ID verification checks is a plus
• Ability to make defensible decisions on your own, quickly
• Strong written and verbal communication skills in English
• Good skills in Google Sheets or Excel; SQL or Metabase is a plus
• CFE, CAMS or ICA certification is a plus
• Excellent organisational skills with strong attention to detail
• Willingness to work shifts, including weekends and public holidays, as we run a 24/7 operation
• Risk-minded and detail-oriented
• Ownership-driven and adaptable
• Collaborative and comfortable working with global teams

How to Apply
Interested candidates should Apply here.

Why This Job Might Be a Good Fit
This role suits someone with early fraud or compliance experience who wants hands-on investigative work in a fast-moving fintech rather than a traditional bank. Because the position covers fraud alerts, chargebacks, and pattern spotting, it builds practical financial crime skills that transfer across fintech, payments, and banking compliance teams.

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