We're hiring a Head of Fraud Analytics to lead our Fraud Analytics team. You'll own how we detect, measure and respond to fraud across the entire customer lifecycle - from application through to ongoing monitoring.
Key responsibilities include:
Own, monitor, and continually optimise our fraud management strategies across the customer lifecycle and multiple products.
Assess the performance of existing fraud rules and implement improvements.
Identify, evaluate, and onboard innovative new data sources to better predict risk.
Manage and develop a team of analysts while staying hands-on with the data yourself.
Lead bespoke analytical work tied to product launches and customer experience improvements where fraud strategy is a key input.
Present findings and recommendations to the senior leadership team.
We're Looking For
At least eight years of fraud experience including direct experience in card fraud - ideally within a bank, card issuer, or fintech operating on the issuing side.
Highly analytical and comfortable conducting complex analysis using SQL (Python experience is a plus)
Exceptional problem solving skills and the 'can do' attitude to thrive in a fast paced, high growth environment.
Track record of owning analytical problems end-to-end - from framing the question through to deployment, not handing logic to a tech team.
Experience managing analysts, with a genuine interest in helping people grow.
Clear communicator who can explain technical work to analysts, business stakeholders, and senior leaders.
Solid grasp of the UK fraud landscape, including regulatory direction and market trends.
Requirements
Experience of APP fraud or faster payment fraud systems is highly desirable.
Hands-on familiarity with card fraud systems and the data that comes with them (Visa fraud platforms, CNP fraud, 3DS/SCA, PSD2 compliance)
Diversity & Inclusion 🌈
We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.
Great Work Deserves Great Perks
We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:
🏥 Private Healthcare including dental and opticians services through Vitality
Check out more of our benefits, values and mission here .
Other Info
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📧Email careers@capitalontap.com if you have any questions.
Excited to work here? Apply!
If you'd like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.)
Benefits
Health insuranceDental insuranceParental leave
Additional Information
We're Capital on Tap 👋
💳 Capital on Tap started because small businesses were underserved. Big banks were slow, their products weren't fit for purpose, and small business owners often couldn't access what they needed. We set out to fix that.
Today we're a financial platform - not just a credit card company. We offer a best-in-class business credit card, SME-focused spend management platform, a savings product that hit £1 billion in funds within its first year, and a growing suite of tools and financial products that make running a small business easier.
1,000+ employees, £20bn in annual card spend, 200,000+ customers, 17,000+ Trustpilot reviews averaging 4.7 stars, and we're profitable. We've done a pretty good job so far, but we're just getting started!
🏡🏢This is a Hybrid role, the Risk Analytics team work from our London (Moorgate) office 3 days per week.
Risk Analytics at Capital on Tap
Risk Analytics sits at the heart of how we make decisions across Credit, Fraud and Financial Crime. We're a tight-knit team of analysts and data scientists who don't just answer questions - we own risk problems end-to-end, from spotting them in the data to shipping the models, strategies and tooling that solve them.
Capitalontap · London, UK