Raiffeisen Digital Bank AG offers mobile only Retail banking business, starting with personal loan products, broadening to include daily banking products in Poland. We are simultaneously a compact start-up, and part of a large & reputable banking group. We are looking for motivated candidates to join our Operations team in Vienna in this critical role as

Antifraud Specialist (f/m/d)
Vienna, full time (40 h/week)

As one of our antifraud specialists you are responsible for detecting, preventing, and investigating fraudulent activities within an organization. Your main purpose is to protect the bank's assets and reputation by identifying potential fraud risks, implementing control measures, analysing data for suspicious activities, conducting thorough investigations, and ensuring compliance with relevant laws and regulations. You work closely with various departments to develop and enforce policies and procedures that mitigate fraud risks and provide training to employees on fraud awareness and prevention.

Antifraud Specialist (f/m/d)

Your key responsibilities:

• Monitor and investigate suspicious activities across cards, accounts, payments, lending, and onboarding processes using fraud detection and monitoring tools.
• Analyze transaction, behavioral, and authentication data to identify fraud patterns, emerging threats, and attack vectors.
• Manage fraud cases, customer disputes, and complaints in line with regulatory, scheme, and internal requirements.
• Support fraud loss prevention and recovery activities while maintaining accurate case documentation and records.
• Contribute to the design, testing, optimization, and ongoing enhancement of fraud detection rules, controls, and monitoring processes.
• Prepare operational, management, and regulatory reporting related to fraud risk, trends, and incidents.
• Collaborate with internal stakeholders, card schemes, law enforcement agencies, and external partners to strengthen fraud prevention capabilities.
• Support the development and maintenance of fraud-related procedures, policies, and internal regulations.
• Maintain and apply knowledge of card scheme regulations, fraud prevention practices, AML, KYC, sanctions, and relevant banking requirements.
• Proactively identify, escalate, and communicate fraud risks, significant incidents, and potential losses, while supporting audits, awareness initiatives, and continuous process improvements.

Your key qualifications:

• Several years of experience in fraud prevention, investigations, financial crime, compliance, risk management, auditing, or related fields.
• Strong knowledge of fraud monitoring systems, rule configuration, testing, optimization, and fraud detection methodologies.
• Solid understanding of card payment ecosystems, digital wallets, tokenization, and card scheme regulations.
• Knowledge of PSD2/PSD3, Strong Customer Authentication (SCA), fraud prevention controls, and applicable regulatory requirements.
• Ability to identify emerging fraud trends, attack vectors, and evolving financial crime typologies.
• Strong analytical, investigative, and problem-solving skills, combined with sound judgment and decision-making capabilities.
• Experience in assessing fraud liability, customer disputes, and control effectiveness.
• Proactive mindset with the ability to identify risks, design controls, and drive process improvements.
• High ethical standards, integrity, ownership, and discretion when handling sensitive information.
• Fluent in English; additional language skills such as German or Polish are considered an advantage.

Why join us?

You will be part of a dynamic team in a reputable banking environment, working in Vienna. This role offers an excellent opportunity to develop your expertise in banking operations and anti-fraud detection. We are looking forward to you bringing your expertise & ideas to contribute to the smooth functioning of our financial services.

• Company benefits include home office & workation possibility, paid job ticket, RDB vouchers, subsidized canteen & a lot more
• An exciting work environment within an innovative field of business with plenty of room for you to bring in your ideas & to grow professionally

Salary

The starting gross salary per month for this full-time role, assuming full compliance with the profile, is EUR3.375,40 for full-time (38.5h). However, this is merely a guideline--we look forward to discussing your actual salary during our conversation!

We are proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ethnicity, race or color, national origin, religion, political or other opinion, sex, sexual orientation or disability.

Please find here more information on how we deal with your data: Privacy Policy (raiffeisendigital.com)

About this job

Employment type: Full Time (Permanent employment)

Salary: from 3,375.40 EUR monthly

Seniority level: Professional Experience

Work model: On-site

Place of work: Wien

Field of work: Banks, Finance Services

Unfilled vacancies: 1 vacancy unfilled for this position

About the company

Employer: Raiffeisen Digital Bank AG

Number of employees: 51 - 100 employees

Locations: Wien

Details about this job

Full Time (Permanent employment)

• Monday to Friday
• 40 hours

Place of work

• Wien

Must-have skills

• fraud monitoring systems
• rule configuration
• testing
• optimization
• fraud detection methodologies
• PSD2
• PSD3
• Strong Customer Authentication (SCA)
• fraud prevention controls

Required languages

• English B2

Nice-to-have languages

• German A1
• Polish A1

Benefits

• Home office
• Transportation allowance
• Employee discounts
• Cafeteria