Fraud Investigator, Fraud Investigations Team

MoonPay is for builders with something to prove.

This isn't a "work on cool crypto stuff" company. It's a high-standards, high-velocity, high-accountability company building the operating system for value movement. If the internet moves information, we move value: crypto, stablecoins, tokenized assets, and whatever comes next. Four offerings make that real: fund, tokenize, trade, and spend. 30M+ customers and 500+ ecosystem partners run on us. Licensed in the U.S. Regulated across the UK, EU, Canada, and Australia.

AI is the default operating mode here. It's woven into every role, and we expect you to use it daily. It handles the manual work so you can deliver on what actually matters.

You'll thrive here if outcomes excite you more than process, if impact motivates you more than titles, and if you want hard problems, real ownership, and teammates who love winning, building, and doing it together.

The bar is high. The pace is real. We're building for what's next, for humans and agents.

Recent recognition:

• Primary Location: India

• Additional Locations: South Africa

• Yes - if based in India, relocation to Bangalore is required.

• This role will be on-site if the applicant is from India, offices located in Bangalore.

  • Hybrid if located in South Africa; no set expectations for in-office attendance.

This is an opportunity for an experienced Fraud Investigator to play a critical role in protecting MoonPay and its users from fraud threats in the dynamic, fast-evolving cryptocurrency landscape.

• You’ll sit within our Fraud Investigations team, leading complex investigations, managing and tuning fraud detection rules, and acting as an incident response during live fraud attacks, building AI-powered agents that scale our detection and response capabilities. At your core, you’re an incident responder focused on mitigating immediate impact from fraud while closely collaborating with ML, Product, Data and Compliance to build scalable long-term solutions and controls.

• This role requires someone with strong analytical abilities, excellent attention to detail, and a deep interest in financial crime prevention in the crypto domain. You’ll work cross-functionally with Compliance, Product, Engineering, Data and ML teams to execute fraud prevention strategies, analyze fraudulent patterns, and support the broader fraud risk framework—all while maintaining SLA and precision standards. If you thrive in a fast-paced, high-growth environment and want to have a direct, measurable impact on fraud losses, this role is for you.

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• Monitor fraud signals and emerging threats to identify attack patterns.

• Conduct threat hunting to uncover fraud missed by existing controls.

• Identify detection gaps and implement strategies to strengthen fraud prevention.

• Act as an incident commander during live fraud attacks, coordinating containment and response across teams.

• Lead complex fraud investigations, identifying root causes and recommending permanent fixes to prevent recurrence.

• Assess the severity of fraud cases and escalate high-risk cases to the Manager or Compliance in a timely manner.

• Execute rapid containment actions (blocks, freezes, restrictions) to minimise fraud exposure during active incidents.

• Review, build, implement, and tune fraud detection rules to optimise accuracy and minimise false declines.

• Backtest rule logic against historical data to validate effectiveness before deployment.

• Monitor rule performance in production and iterate based on real-time data and investigation outcomes.

• 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 scale the team’s operational capacity.

• 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 support to internal teams raising fraud queries, acting as a subject matter expert on fraud risk.

• 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.

• 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 (e.g. SQL, Excel, or BI tools).

• Excellent critical thinking and risk assessment skills—you can 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.
  
  

• Coding ability (e.g. SQL, Python) for data analysis, automation, or building investigative tools.

• Familiarity with blockchain analytics and on-chain investigation tools (e.g. Chainalysis, TRM Labs, Elliptic).

• Knowledge of chargeback processes and card scheme fraud programmes.