Fraud Investigator, Fraud Investigations Team

As a Fraud Investigator at MoonPay, you play a critical role in protecting the platform and its 30M+ customers from fraud threats in the cryptocurrency landscape. You join the Fraud Investigations team, leading complex investigations, managing fraud detection rules, and acting as an incident responder during live fraud attacks. You build AI-powered agents that scale detection and response capabilities while collaborating closely with ML, Product, Data, and Compliance teams to create scalable long-term solutions.

What you'll do

• Monitor fraud signals and emerging threats to identify attack patterns, conduct threat hunting to uncover fraud missed by existing controls, and identify detection gaps to strengthen fraud prevention.
• Act as an incident commander during live fraud attacks, coordinating containment and response across teams.
• Lead complex fraud investigations from initial alert through root cause analysis, assess severity and escalate high-risk cases to management or Compliance, and execute rapid containment actions such as blocks, freezes, and restrictions to minimise fraud exposure.
• Review, build, implement, and tune fraud detection rules to optimise accuracy and minimise false declines; backtest rule logic against historical data and monitor rule performance in production.
• Own the False Decline Rate for rules implemented by the Fraud Investigations team, keeping it within acceptable thresholds.
• Build, deploy, and QA AI-powered agents and automation workflows that enhance fraud detection and investigation efficiency.
• Identify opportunities to automate repetitive investigation tasks and partner with Engineering, Data, and ML teams to translate investigative insights into scalable tooling and controls.
• Engage with Product, ML, Engineering, and Compliance teams to support investigations and contribute to fraud mitigation strategies.
• Provide subject matter expertise on fraud risk to internal teams raising fraud queries.
• Ensure accurate and timely documentation of fraud cases, maintaining clear records for internal reporting and external audit requirements.
• Identify gaps in tooling or processes and provide actionable feedback to improve detection accuracy and investigation efficiency.

What you bring

• 3+ years of experience in fraud detection, prevention, and investigation, preferably in the Web3, crypto, or blockchain industry, with a strong understanding of the ecosystem, products, transaction flows, and associated fraud and financial crime risks.
• Demonstrated experience leading complex fraud investigations from initial alert through to root cause analysis and remediation.
• Hands-on experience building, implementing, and tuning fraud detection rules, including rule backtesting and performance management.
• Strong understanding of fraud typologies, attack vectors, and emerging trends in the crypto and digital payments space.
• Experience with data analysis tools and the ability to derive conclusions and recommendations from large datasets, such as SQL, Excel, or BI tools.
• Excellent critical thinking and risk assessment skills to evaluate the likelihood and impact of fraudulent activity under pressure and make sound decisions.
• Strong attention to detail with the ability to maintain accuracy and thoroughness in a high-volume, fast-paced environment.
• Clear, professional communication skills with the ability to write concise case notes, escalations, and cross-functional updates.
• A proactive, ownership-driven mindset: you identify problems, propose solutions, and drive them to completion.
• Experience leveraging AI and machine learning tools in fraud, risk, investigations, or operational workflows, with an understanding of how AI can be used to improve detection, analysis, decision-making, and operational efficiency.

Nice to have

• Coding ability such as SQL or Python for data analysis, automation, or building investigative tools.
• Familiarity with blockchain analytics and on-chain investigation tools such as Chainalysis, TRM Labs, or Elliptic.
• Knowledge of chargeback processes and card scheme fraud programmes.

What we offer

• Competitive salary package plus equity for all employees and a pay-for-performance equity bonus for those who drive outsized outcomes.
• Moonshot award: $250,000 equity grant for exceptional impact (20 employees per year).
• Employer pension contributions from day one.
• Employee referral programme: earn 10K in USDC for successful referrals.
• Flexible time off and an end-of-year company-wide recharge period.
• Birthday leave and enhanced parental leave.
• Hybrid working schedule: work fully remotely or from your nearest Moonbase office.
• Private healthcare benefits.
• Wellhub wellness membership for access to gyms, studios, classes, and wellness apps.
• Enterprise access to AI tools including Claude, ChatGPT, and Gemini.
• Home office setup allowance and remote working allowance for those working fully remotely.
• Lunch credit on days you're in the office and commuter benefits.
• Monthly product budget and zero-fee crypto transactions.
• $1,000 annual training budget.
• High Potential Program with structured development, mentorship, and stretch opportunities.
• Regular remote company offsites with high-impact in-person sessions and hackathons.
• Cycle to Work scheme (Ireland) and EV Salary Sacrifice (UK).

About MoonPay

MoonPay is the operating system for value movement, serving 30M+ customers and 500+ ecosystem partners across fund, tokenize, trade, and spend offerings. Licensed in the U.S. and regulated across the UK, EU, Canada, and Australia, MoonPay combines high standards, high velocity, and AI-integrated workflows to move crypto, stablecoins, tokenized assets, and emerging digital assets. The company was recognized as one of Forbes' America's Best Startup Employers 2026, ranked 2nd in Crypto Services on Fortune's inaugural Crypto 100, and named to The Sunday Times Best Places to Work for two years running.