Fraud Investigator
Company: GoTyme ZA (South Africa)
Role summary
Fraud Investigator is a full-time role at GoTyme ZA (South Africa) in Johannesburg South, Gauteng, South Africa (remote). Posted 2026-08-25. Experience level: 2-5.
- Job title
- Fraud Investigator
- Company
- GoTyme ZA (South Africa)
- Location
- Johannesburg South, Gauteng, South Africa
- Work arrangement
- remote
- Employment type
- full-time
- Category
- Software Engineering
- Experience level
- 2-5
- Date posted
- 2026-08-25
You would be joining a dynamic fintech team where you can tackle complex challenges from the comfort of your home. It is a fantastic opportunity to sharpen your analytical abilities while making a tangible impact on digital security and customer protection.
Job description
Overall Purpose of the Role:
The Fraud Investigator (Back Office) is responsible for detecting, investigating, and resolving suspected fraudulent activities across GOTyme Bank’s banking channels. This role focuses on post-transaction analysis, case management, evidence gathering, and collaboration with internal stakeholders to mitigate financial losses and enhance fraud prevention controls.
The ideal candidate combines strong analytical capability with sound judgement and an understanding of banking fraud typologies within the South African market and ability to adapt to new modus operandi.
Required Qualifications and Experience:
Experience with fraud prevention and suspicious transaction monitoring systems including VRM
2+ years' experience in banking, data analysis, and/or risk management
Knowledge of banking industry, regulations and financial crime
Strong communication skills (verbal and written) to convey ideas clearly
Collaborative team player with experience working cross-functionally
Exceptional attention to detail and quality control
Adaptable, resilient and able to prioritize effectively in fast-paced environments
Able to work under pressure and meet deadline
Technical Skills
Strong analytical and investigative skills
Ability to interpret transactional and behavioural data
Proficiency in case management systems
Good working knowledge of Microsoft Excel and reporting tools
Understanding of digital banking ecosystems
Behavioural Competencies
High attention to detail
Sound judgement and decision-making ability
Integrity and confidentiality
Strong written documentation skills
Ability to work in a structured, process-driven environment
Resilient under pressure and able to manage high case volumes
Accuracy and quality of investigations
Fraud loss mitigation contribution
Qualifications Required:
Matric.
Relevant diplomas, certificates or completed training courses in Fraud Risk Management.
Key Responsibilities:
Fraud Investigation & Case Management
Investigate suspected fraud cases across accounts, cards, digital channels, wallets, EFT, onboarding, and other banking channels.
Review transaction patterns, customer profiles, device intelligence, and behavioural indicators.
Conduct detailed case analysis and document findings in line with internal policies and regulatory requirements.
Make risk-based decisions on account restrictions, closures, or escalations.
Manage case queues within agreed SLAs and productivity targets.
Process payments for case refunds and facilitate the repatriation of funds to agent banks and third parties in accordance with established procedures and controls.
Prepare formal letters for liability outcomes and respond to requests from customers and external parties in line with established procedures and communication standards.
Complete compliance reporting for card fraud, IFDB listings, and SAFPS listings in line with industry protocols.
Fraud Detection & Monitoring
Analyse alerts generated by fraud monitoring systems.
Identify emerging fraud patterns and escalate new typologies to Fraud Strategy teams.
Recommend rule enhancements or control improvements based on investigation findings.
Customer & Stakeholder Collaboration
Liaise with Customer Support teams for information gathering where required.
Engage with customers (telephonically and in person) in a professional manner to verify activities, gather supporting information or provide resolution to case.
Collaborate with internal and external stakeholders to expedite investigations, repatriations, and customer resolutions.
Loss Mitigation & Recovery
Identify opportunities to prevent or recover potential financial losses.
Assist with chargeback processing where applicable.
Support reporting and recovery tracking processes.
Regulatory & Compliance
Ensure all investigations align with: (not limited to)
South African regulatory requirements
POPIA and data privacy standards
Internal risk and fraud governance frameworks
South African Fraud Prevention Services
TCF
Maintain audit-ready case documentation at all times.
Reporting & Insights
Contribute to fraud reporting and management information.
Highlight trends, system gaps, and process weaknesses.
Participate in continuous improvement initiatives.