Senior Fraud Monitoring Specialist

Join us and get a once-in-a-lifetime opportunity to literally build a local banking champion!

Yes, you can! That's our attitude towards our work, ambitions, ideas, and relationships.We at Luminor believe that anyone has the potential to achieve big things and encourage everyone to achieve them,professionally and personally.

Whoever you are and whatever your role is, with Luminor, you will get a once-in-a-lifetime opportunity to build a local banking champion.

As a Senior Fraud Monitoring Specialist, your main focus will be investigating potentially fraudulent payment activity, analysing customer behaviour and transactions, and making well-grounded decisions on complex fraud cases.

The majority of your time will be dedicated to hands-on fraud monitoring and investigation. Alongside your regular responsibilities, you will have the opportunity to contribute to improvement initiatives and projects, helping us strengthen our fraud processes, controls and systems.

• Monitor and investigate potentially fraudulent payment activity based on alerts generated by Luminor's anti-financial crime systems
• Analyse customer information, transactions and behavioural patterns using internal systems, public databases and other available sources
• Identify suspicious and unusual activity, prepare clear investigation summaries and escalate cases when needed
• Independently handle more complex and escalated fraud cases
• Cooperate with internal teams and correspondent banks on fraud-related cases
• Contribute to complaint handling related to fraud cases
• Share insights and recommendations for improving fraud processes, controls, systems and products
• Contribute to and drive improvement projects and initiatives within the fraud management are
• Support, train and mentor junior colleagues and newcomers

• Solid practical experience in payment fraud prevention, detection or investigation within a bank, financial institution or other regulated financial services environment
• Strong knowledge of payment fraud typologies, investigation methods and fraud risk indicators
• Ability to independently assess complex cases, make risk-based decisions and clearly justify investigation outcomes
• Experience in handling escalated cases and contributing to process, control or quality improvements
• Strong analytical skills, attention to detail and the ability to identify patterns across multiple transactions, customers or cases
• Ability to stay up to date with emerging fraud trends and industry practices
• High level of responsibility, initiative and commitment to quality
• Native Lithuanian and fluent English, both spoken and written

Nice to have

• Experience and knowledge of card fraud would be a valuable advantage

• Flexibility. Flexible working hours, Hybrid work, and the possibility to work from anywhere in the EU, Iceland, Switzerland, and the UK (in total 90 days per year)
• International teams. Teams that go outside Pan-Baltic borders, where people value challenging work together with good humor and having fun
• Culture. You’ll be joining a team where things move fast, ideas flow freely, and change is part of the everyday. It’s a dynamic environment that keeps you learning, growing, and never bored
• More vacation. Additional weeks of vacation are available to all employees who have been in the company for 1 year or more
• Volunteer time off. We care about giving back to society, therefore, you will get additional days off for volunteering purposes
• Paid leave. We are proud of our employees who are participating in military training. Therefore, Luminor offers 30 fully paid calendar days for military training every year
• Health benefits. A competitive benefits package in addition to your salary that includes health insurance after the first 3 months pass in all three Baltic states, as well as Health days in case of your absence due to sickness without a doctor's note needed
• Wellbeing. Access to tools and resources that help you feel good and be productive at work and in life
• Professional growth. Internal and external training programs, LinkedIn learning, workshops, conferences, online training, etc.
• Special Offer for Luminor products & services. Enjoy special offers & pricing for products and services provided by Luminor