Payment And Fraud Analyst

Payment Operations & Reconciliation

• Process, verify, and monitor player deposits and withdrawals via e-wallets (e.g. GCash, Maya), bank transfers, OTC channels, and PSPs.
• Ensure payment account details match registered player information to prevent third-party usage.
• Perform daily reconciliation of payment provider reports vs. internal system transactions.
• Investigate and resolve transaction mismatches or discrepancies in coordination with Finance teams and PSPs.
• Support resolution of failed, delayed, or disputed transactions with payment providers or banks.
  
  

• Monitor payment and player activity for suspicious behaviors, including:
• Third-party usage (different depositor name vs. registered player).
• Abnormal or rapid deposit/withdrawal patterns. o Multi-accounting, bonus abuse, or collusion.o Account takeover attempts involving compromised payment credentials.
• Escalate fraudulent or suspicious cases to the Fraud/Risk Manager or AML Compliance Officer (AMLO).
• Assist in fund recovery requests (e-wallet recalls, bank reversals, fund freezes).
  
  

• Prepare daily, weekly, and monthly payment and fraud reports (transaction volumes, alerts, discrepancies, reconciliations).
• Maintain audit-ready documentation of payment processes, reconciliations, and fraud investigations.
  
  

• Ensure payment and fraud activities comply with PH AMLA (RA 9160), AMLC regulations, PAGCOR licensing conditions.
• Assist in preparing or supporting Suspicious Transaction Reports (STRs) and Covered Transaction Reports (CTRs).
• Follow strict internal policies for KYC, payment verification, and fraud prevention.
  
  

• Work with Customer Support to resolve player payment concerns professionally and promptly.
• Coordinate with KYC/EDD, and Risk Analysts on cases requiring deeper customer or payment verification.
• Provide insights on fraud and payment trends to improve fraud rules, reconciliation workflows, and operational controls.
  
  

• 2-3 years of experience in Payments, Fraud Prevention, Risk Management, or Compliance, preferably within Online Gaming, Payments, Fintech, or Banking.
• Hands-on experience in processing and monitoring e-wallet (GCash, Maya, GrabPay), online banking, and PSP transactions.
• Experience in transaction matching and reconciliation, including:
• Daily reconciliation of payment provider reports vs. internal system records.
• Investigating and resolving discrepancies between deposits, withdrawals, and provider settlements.
• Preparing payment and reconciliation reports for Finance, Treasury, and Compliance teams.
  
  

• Third-party usage (mismatched depositor/withdrawal accounts) o Bonus abuse and multi-accountso Account takeover attempts o Abnormal payment or withdrawal patterns
• Comfortable working in a 24/7 shift environment, handling high-volume payment transactions and fraud alerts.
• Experience from working with various payment vendors and back-office systems.
• Advantage:
• Familiarity with PH AMLA (RA 9160), AMLC reporting obligations (STR/CTR), and PAGCOR requirements.
• Prior experience in dispute resolution, e-wallet recalls, or fund recovery with financial institutions.