Fraud and AML Specialist
Possible
Sponsorship likelihood
This employer issued few or no visas recently
Not disclosed
Salary
Not disclosed by employer
£48,200
Going rate
Skilled Worker going rate
This role may qualify for a Skilled Worker visa
SOC 2482 is an eligible occupation, but we are only 38% sure that is the right code. xpate Ltd is a licensed sponsor, so if the code fits, the role should qualify. Check the occupation eligibility rules against what the job actually involves.
We pick the code from the advert's text, so it is our best guess, not the employer's. Each code it could be has its own likelihood:
- Possible 2482 (Quality assurance and regulatory professionals) · 38% match
- Possible 2422 (Finance and investment analysts and advisers) · 25% match
- Possible 3549 (Business associate professionals not elsewhere classified) · 17% match
New graduate or PhD holder? Pick one of the lower rates.
What each route needs for this job
| Occupation code | New entrant 70% of going rate | STEM PhD 80% of going rate | Relevant PhD 90% of going rate | Standard rate 100% of going rate |
|---|---|---|---|---|
2482 Quality assurance and regulatory professionals Most likely code | £33,800 | £38,600 | £43,400 | £48,200 |
2422 Finance and investment analysts and advisers Also possible | £33,400 | £36,700 | £41,200 | £45,800 |
3549 Business associate professionals not elsewhere classified Also possible | £33,400 | £41,700 | £41,700 | £41,700 |
We use the lowest threshold across the plausible codes. Likelihood is Possible at most when the pay clears only a lower rate, or only under a less likely code. How the Home Office picks the code
About the role
As a Fraud & AML Specialist, you’ll play a key role in safeguarding our merchant portfolio and payment flows. Your primary focus will be Merchant Fraud Monitoring and ownership of our internal monitoring tool, while also supporting AML alert oversight and identification of unusual client behaviour.
You’ll work hands-on with transaction data, monitoring rules, and early risk signals — helping prevent losses, protect our platform, and support sustainable merchant growth.
Your role at xpate:
Monitor and manage merchant fraud risks across products, payment methods, and transaction flows.
Act as the key user and owner of the internal monitoring tool, including configuration, tuning, and optimisation of monitoring rules.
Detect, assess, and escalate early warning signals related to merchant fraud, including abnormal transaction patterns, behavioural changes, and limit breaches.
Support AML alert oversight, assisting with identification of unusual or deviating client behaviour and escalation where required.
Analyse fraud- and AML-related data, trends, and patterns across the merchant portfolio.
Prepare fraud monitoring insights and basic reporting, including KPIs, KRIs, and dashboards.
Work closely with Client Managers, Compliance, Risk, and other internal teams to support investigations and merchant communication.
Contribute to process improvements, including enhancement of monitoring logic, workflows, and internal tooling.
We’re ready to meet you, if…
You have proven experience in fraud prevention within acquiring or PSP services (mandatory).
You have experience working with Visa and Mastercard, including scheme monitoring programs.
You have a strong understanding of merchant fraud risks, transaction patterns, and rule-based monitoring approaches.
You’ve worked hands-on with fraud or transaction monitoring tools and understand how to optimise them.
You have a basic understanding of AML concepts and are willing to develop deeper AML monitoring expertise.
Experience with dashboards, BI tools, or SQL-based reporting is a strong plus.
You’re analytical, detail-oriented, and comfortable working with large volumes of transaction data.
You communicate clearly and professionally in English.
What working at xpate looks like:
You’ll be part of a team that takes risk seriously but practically. You’ll work with real payment flows, evolving fraud patterns, and live merchant behaviour — in an environment where your judgement, accuracy and improvements have a direct impact.
Comprehensive compensation package
A competitive salary, based on your experience and expertise.
Tools & flexibility to succeed
Flexible working hours and hybrid work options.
Private health insurance and paid time off.
Top-of-the-line Apple equipment to support your work.
Ownership, impact, and growth
End-to-end ownership of your cases and processes.
Direct impact on merchant experience and risk outcomes.
A collaborative culture where improvements are encouraged and growth is supported.
Why join xpate?
We’re building the financial backbone of the future — where payments are monitored intelligently, risks are detected early, and businesses scale safely. If you want ownership, real fintech complexity and room to grow across fraud and AML, xpate is the place for you.
This description is the source posting as it read when we added it. We are not affiliated with xpate Ltd, so check their own site for the current details.
Where this offer sits in the market
Quality assurance and regulatory professionals (SOC 2482) · UK · ONS ASHE 2025 · basic pay · ~137k in sample- Middle half £39,520–66,040
- Median £49,504
- Going rate £48,200
- Threshold £41,700
- New entrant £33,800–43,400
Similar sponsored roles
See all UK visa jobsNo close matches live right now.
Browse more sponsored jobs at xpate LtdAbout sponsorship for this role
Does this job guarantee visa sponsorship?
Not necessarily. xpate Ltd holds a sponsor licence, but sponsorship for a specific hire is always the employer's decision. Be upfront in your application that you'll require it.
What salary is needed for this role to be eligible?
The offer must clear both the general threshold and the SOC 2482 going rate of £48,200. New-entrant and shortage discounts can lower it.