Fraud doesn’t announce itself. It hides in payment patterns, account behaviour, and network overlaps — and by the time it surfaces as a regulatory question, the window to stop it has already closed. Your job is to close that window first.

You’ll own the detection systems, the investigation programme, and the escalation bridge between fraud and AML compliance. Not just run them — own them. You’ll lead a team, set the controls standard, and make sure suspicious activity is not only caught but documented and escalated in line with regulatory obligations across Deriv’s licensed jurisdictions.

Why This Matters

Deriv’s mission is Trading for Anyone, Anywhere, Anytime. That mission runs through regulated entities — CFD brokers, VASP/CASP licences, and banking licences — processing millions of transactions across time zones. Real money, real regulations, real consequences.

Fraud is a predicate offense for money laundering. Every case you investigate has the potential to surface a wider financial crime risk. The work you do here feeds into AML risk assessments, customer risk ratings, SAR/STR filings, and Board-level governance. It can’t be approximate. It can’t be slow.

Why Deriv

We’re not theorising about AI in fraud detection. We’re running it in production.

• Dozens of fraud detection models already running continuously across payment channels — monitoring real transactions, not demo data.
• Real-time controls across peer-to-peer, card, account-based, and crypto-related activity, already in production.
• Finance and compliance automation eliminating manual processing across reconciliation, reporting, and monitoring at scale.
• 400+ internal users on our workflow orchestration platform.

You’ll inherit a detection function that’s already operationally mature — and have the engineering and data teams to push it further. When you identify a control gap, you’ll have the cross-functional access to close it.

What You’ll Do

Fraud Systems & Automation

• Own the detection stack. Design, implement, and continuously tune fraud prevention controls across payment channels. Build, test, and sharpen fraud rules, thresholds, velocity limits, and alerting frameworks to improve accuracy and reduce false positives.
• Drive end-to-end automation. Ensure the vast majority of fraud checks run automatically. Reduce manual intervention through effective decisioning logic and real-time controls — and know where human review is still the right call.
• Partner with Engineering and Data. Work cross-functionally to advance fraud tooling, case management, data enrichment, and predictive detection capabilities. Translate what you see in investigations into system requirements.

Analytics & Investigation

• Lead with data. Analyse transactional, behavioural, device, and network data to identify fraud patterns, attack vectors, and control weaknesses. Convert insights into measurable prevention outcomes, not just reports.
• Conduct complex investigations. Lead deep-dive investigations into account takeover, payment abuse, onboarding fraud, card testing, mule activity, collusion, and organised fraud networks. Use root-cause analysis to close control gaps, not just close cases.
• Own fraud rules performance. Monitor detection accuracy, false positive rates, and control effectiveness continuously. Tune and retune based on what the data shows.

FRAML Integration & Financial Crime Escalation

• Bridge fraud and AML. Ensure key fraud indicators — account takeover signals, card testing patterns, synthetic identity, mule behaviour — are reflected in AML risk assessments and customer risk ratings. Drive FRAML integration as an operating practice, not a project.
• Own the escalation process. Maintain clear, documented processes for escalating confirmed or highly suspicious fraud cases to Compliance and the MLRO as potential predicate offenses. Provide Compliance with the technical evidence and case detail required for SAR/STR filings.
• Support regulatory obligations. Align fraud controls and escalation practices with AML obligations and the regulatory expectations of Malta-licensed entities.