Job Description
Merchant Fraud Investigator
This is ANZ Worldline Payment Solutions
ANZ Worldline Payment Solutions is a joint venture between one of Europe’s leading payment technology companies, Worldline, and ANZ Banking Group.
We launched in Australia in early 2022, providing in-store and ecommerce payment solutions to around 60,000 Australian businesses. Since then, we’ve built a new modern technology platform to enable us to bring an exciting roadmap of products and solutions to our customers, as payments technology and consumer preferences evolve.
What’s it like to work with us? We bring together the spirit of a fintech with the heritage of a big four bank. And while our expertise, products and services make us a leader in payments, our people, purpose, values and culture are the core of our organisation. As an equal opportunity employer, we know our success comes from new insights, diverse points of view and the energy of every member of our growing team.
It’s an exciting time to be part of our team. Find out more about ANZ Worldline Payment Solutions here .

• Review allocated cases on daily basis and manage case closures in order to maintain operations and ensure their completion within the agreed standards and turnaround times.
• Identify, investigate, assess and report on fraud and AML/CTF compliance matters making sure that it complies with Worldline ‘Merchant Underwriting Policies’ and Procedures.
• Perform merchant acquiring fraud / compliance control and monitoring activities ensuring that fraud losses are minimised, fraud risks are controlled on a proactive basis, whilst complying with internal policies and procedures as well as rules regulations of payment schemes and regulators.
• Perform regular behavior monitoring of merchants in high-risk sectors.
• Conduct regular review / analysis on merchant fraud patterns and make rule change recommendations to the Merchant Fraud Analyst, in order to improve the fraud detection and prevention rate.
• Ensure that all data requirements are captured accurately and timely into the “Fraud” data base /case register to enable further statistical and analytical use.
• Provide input in to / prepare periodic reports on merchant fraud performance and other metrics to support various business and risk stakeholders in their decision making.
• Providing fraud support to various business units – Underwriting, AML / Compliance, Product, etc.
• Conduct regular on/off site awareness and training sessions for merchants on financial risks with regards to fraud, to minimize fraudulent activities at their premises/website.
• Conduct merchant specific reviews, advise and support key account merchants to minimize their fraud rates and maximize their genuine transactions.
• Liaise with law enforcement authorities, regulators and payment schemes for all matters relating to merchant fraud and investigations to ensure that where appropriate legal action is instituted; making sure that Worldline participates in industry and card scheme fraud prevention initiatives.
• Adhere to all relevant organizational and departmental policies, processes, standard operating procedures and instructions so that work is carried out to the required standard and in a consistent manner while delivering the required standard of service to customers and stakeholders.
• Investigating and responding to credit card charges disputed by the account holder, tracking chargebacks and investigating suspicious / fraudulent activityAssisting with streamlining and improving of chargeback procedures