Card Transactions Monitoring Analyst

About Payoneer

Founded in 2005, Payoneer is the global financial platform that removes friction from doing business across borders, with a mission to connect the world’s underserved businesses to a rising global economy. We’re a community with over 2,500 colleagues all over the world, working to serve customers, and partners in over 190 countries and territories.

By taking the complexity out of the financial workflows–including everything from global payments and compliance to multi-currency and workforce management, to providing working capital and business intelligence–we give businesses the tools they need to work efficiently worldwide and grow with confidence.

Role Summary

Payoneer is looking for a proactive, detail-oriented, and data-driven Card Transactions Monitoring Analyst to join our Fraud & Compliance Operations team. This role is ideal for someone who combines strong analytical and investigative skills with hands-on data capabilities.

You will be responsible for monitoring debit card transactions (physical and virtual) to detect fraud, assess AML risks, and support internal investigations. The role sits within the second line of defense, offering both strategic oversight and operational depth. You’ll be expected to work with complex datasets, identify patterns, draw data-driven conclusions based on user behavior, and clearly communicate your findings to stakeholders.

You’ll collaborate with cross-functional teams to manage alerts, analyze fraud and AML patterns, and ensure compliance with regulatory requirements in a dynamic global environment. If you're experienced in compliance and fraud detection, have a background in data analysis, and enjoy driving operational excellence — this role is for you.

Location: Madrid

Hybrid

Full-Time

What You’ll Do

• Perform risk investigations and analysis
• Draw conclusions based on multiple data sets and user behavior
• Conduct research and provide data-driven analytical/risk insights
• Communicate the review findings, make risk-related decisions, and act upon them
• Work closely with other teams, groups, and departments to support the development of risk-related tools, processes, and products to improve monitoring mechanisms

Who You Are

• 2+ years of experience as an analyst in Compliance Operations, Data analysis, Credit Card Chargebacks, or equivalent domains
• Proven experience with data analysis and using data to identify behavioral trends and anomalies.
• Proficiency in SQL and Excel – able to extract and analyze large datasets independently.
• Sharp investigative mindset and strong analytical thinking.
• Strong communication skills in English, both written and verbal.
• Bachelor's degree in a relevant field.
• Highly motivated, adaptable, and able to work in a fast-paced environment.
• Excellent attention to detail while maintaining a broad risk perspective.
• Team player with strong cross-functional collaboration skills.

Nice to Have

• Experience with open-source intelligence (OSINT) investigations.
• Hands-on experience with AML transaction monitoring platforms.
• Prior experience in a fintech or global financial institution.
• familiarity with BI tools (e.g., Looker, Power BI) is a plus.

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