Fraud Analyst

Fraud Analyst

Here at Three, we’ve done things differently since day one.
We take the script and rip it up, we’re a big-hearted energetic bunch, striving for a better-connected life. The energy of our people, the pace at which we operate, and the thrill of making bold moves is exhilarating and addictive. Magic happens when we power the connections that millions value, and you can feel it… When these things combine, phenomenal things happen.
We encourage our employees to face their weaknesses, to really open themselves up to new challenges and projects in a super-charged and rich learning environment. We want you to become the best version of yourself.

Join us as a Fraud Analyst
The Fraud Analyst will support the business in identifying, investigating and preventing fraud across Three Ireland's customer and product journeys.

The role will combine fraud investigation, data analysis, monitoring and control improvement, helping to identify emerging fraud trends and ensure appropriate controls are in place across customer acquisition, orders and account activity.
The successful candidate will work closely with Fraud, Credit Risk, Finance, Technology, Data and Commercial teams to protect customers and the business from financial loss and evolving fraud threats.
This is a hands-on analytical role suited to someone who is naturally curious, enjoys investigating unusual activity and wants to develop a career in fraud and risk.

What else it involves:

Fraud Monitoring & Investigation

• Monitor customer and transaction activity for indicators of fraudulent behaviour.
• Investigate potentially fraudulent orders, accounts and customer activity.
• Escalate significant or emerging fraud risks to the appropriate member of the Fraud & Credit Risk Team.

Fraud Analysis & Insight

• Analyse fraud performance and identify trends, patterns and emerging threats.
• Produce regular reporting and MI covering fraud volumes, losses, acceptance rates, detection rates and other key performance indicators.
• Investigate changes in fraud rates or customer behaviour and identify potential root causes.
• Support analysis of fraud by product, channel, journey, customer segment and other relevant dimensions.
• Use data to identify opportunities to improve fraud detection and reduce unnecessary customer friction.
• Support ad-hoc analysis and investigations requested by the Fraud & Credit Risk team.

Fraud Rules & Controls

• Support the review and optimisation of fraud rules and controls.
• Monitor the performance of existing fraud controls and identify where improvements may be required.
• Assist with testing new fraud rules, strategies and system changes.
• Analyse false positives and identify opportunities to improve the balance between fraud prevention and customer experience.
• Support the implementation and monitoring of new fraud controls in response to emerging threats.
• Maintain appropriate documentation of fraud controls and their intended purpose.

Emerging Fraud Threats

•  Support investigations into new threats such as account takeover, identity fraud, synthetic identity, eSIM fraud, SIM swap and social engineering.
• Share relevant findings and intelligence with the wider Fraud & Credit Risk team.
• Help identify new indicators that could be incorporated into fraud detection strategies.
• Support the team in responding quickly to significant changes in fraud patterns.

Data & Reporting

• Extract, manipulate and analyse fraud-related data from relevant business systems.
• Use tools such as SQL, Excel and Power BI to investigate and communicate findings.
• Translate analytical findings into clear, practical recommendations for non-technical stakeholders.

The Skills were looking for:
Essential

• Experience in an analytical, investigative, risk, fraud or financial services environment.
• Strong analytical and problem-solving skills.
• Excellent attention to detail and an ability to identify unusual patterns or inconsistencies.
• Strong Excel skills and confidence working with data.
• Ability to investigate a problem, establish the relevant facts and reach a logical conclusion.
• Good written and verbal communication skills.
• Ability to explain analytical findings clearly to both technical and non-technical audiences.
• Strong organisational skills and ability to manage multiple investigations or priorities.
• A curious mindset and willingness to challenge unusual activity.

Desirable

• Experience working in fraud, financial crime, payments, telecommunications or another risk environment.
• Experience using SQL.
• Experience with Power BI or similar reporting/visualisation tools.
• Experience working with fraud detection or decisioning platforms.
• Experience investigating account takeover, identity fraud, payment fraud or subscription fraud.
• Knowledge of fraud prevention techniques, rules-based decisioning or customer authentication.
• Experience working in an Agile environment.

Benefits of Working at Three

•  Flexible working with our new Hybrid model, our employees will enjoy more flexibility working from home and our office locations (2/3 days per week office based). Please see job description for the office location of this role
•  Competitive salary, annual performance bonus & pension contribution
•  25 days holidays plus 2.5 company days
•  Annual Leave buy or sell (buy or sell up to 5 days AL each year)
•  Healthcare Insurance through our flexible benefits programme
•  Life assurance, phone & laptop, subsidized canteen
•  Access to learning & development tools such as LinkedIn Learning
•  Free on-site parking

You may think you know us, but we’re full of surprises. Intrigued? Join us and Be Phenomenal. Apply now at: https://www.three.ie/careers

Three Ireland is proud to be an equal opportunities employer. If you do not ‘tick every box’ in the job description above, there are likely other valuable attributes and skills you have that would make you a great fit for the team. If you feel this role is for you, then please apply! We are committed to equal employment and growing a diverse workforce.

 We embrace those of any race, gender identity, sexual orientation, age, religion, disability, marital status, family status, civil status or membership of the traveler community, and we want our teams to reflect this!

 If you require reasonable adjustments at interview, please let us know when scheduling your interview, or alternatively please email recruitment.support@three.ie