Senior Fraud Investigator

About Tamara

Tamara stands as the foremost fintech platform in Saudi Arabia and the GCC, dedicated to empowering individuals to realize their aspirations by creating the most customer-centered financial super-app globally. The company caters to millions across Saudi Arabia, UAE, and Kuwait, collaborating with prominent international and regional brands such as SHEIN, Jarir, noon, Amazon, IKEA, eXtra, Farfetch, along with various small and medium enterprises. As Saudi Arabia's first fintech unicorn, Tamara is supported by investors including Sanabil Investments, SNB Capital, and Checkout.com, operating from its Riyadh headquarters with additional regional and global offices.

Position Overview

We are looking for a Senior Fraud Investigator to join our Trust and Safety team. This role entails leading detailed investigations into sophisticated fraud and financial crime activities while collaborating with cross-departmental teams to enhance prevention strategies, control measures, and operational excellence. The candidate will provide mentorship to junior team members and contribute to improving investigation methodologies, Standard Operating Procedures, and quality benchmarks.

Key Responsibilities

• Conduct comprehensive investigations into significant or risky issues including fraud, AML and financial crime patterns, account or merchant abuses, and other suspicious matters.
• Analyze various data sources to identify trends, threats, and complex fraud patterns.
• Prepare detailed investigation reports summarizing timelines, evidence, findings, and suggested actions.
• Collaborate with Risk, Compliance, Product, Data, and Engineering teams to enhance fraud detection rules, controls, and tools by translating insights into scalable solutions.
• Coach and review cases handled by fellow investigators to elevate quality and consistency of investigations.
• Develop and refine SOPs, quality assurance standards, and escalation procedures aimed at optimizing accuracy and turnaround times.
• Communicate effectively with customers and merchants in both Arabic and English to clarify details and resolve complicated cases.
• Adapt to a flexible working schedule that may include nights, weekends, and holidays.

Required Qualifications and Skills

• A minimum of 3 to 5 years' experience in fraud detection, risk operations, AML, transaction monitoring, or investigative roles.
• Strong analytical capabilities with keen attention to detail.
• Exceptional verbal and written communication skills, capable of producing convincing and clear investigative narratives.
• Familiarity with fraud and risk management software such as Groupe IB, Sardine, Focal/Mozn, or SEON.
• Proficiency in both Arabic and English languages.
• Willingness and ability to work on shifts including weekends.