B2B Fraud Specialist at Zopa Bank in London

Job description

Our Story Hello there. We’re Zopa. We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and we launched Zopa Bank. A bank that listens to what our customers don’t like about finance and does the opposite. We’re redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre — we’ve built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our fantastic offerings at Zopa.com! We’re incredibly proud of our achievements and none of it would be possible without the amazing team here. It’s not just industry awards we’re winning, we’ve also been named in the top three UK’s Most Loved Workplaces. If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you’ll thrive here at Zopa, so join us, and make it count. Want to see us in action? Follow us on Instagram @zopalife A day in the life • Investigate monitoring alerts, unusual partner activity and changes in performance, considering partner context, customer reports, transactional data and relevant company information. • Build a clear picture of potential fraud risk, identifying what further evidence is needed and making proportionate, well-reasoned recommendations. • Work closely with Account Management, Fraud Operations and analysts to test concerns, challenge assumptions and agree appropriate next steps. • Support decisions on enhanced due diligence, changes to trading terms or controls, additional friction, monitoring requirements and partner offboarding. • Help design, document and continuously improve processes for partner risk assessments, ongoing monitoring and escalation. • Use dashboards and data to identify unusual patterns and emerging typologies, helping to turn insight into practical action. • Contribute to the development of effective management information, ensuring risks, trends and outcomes are clearly understood by senior stakeholders. • Partner with Technology, Data and external providers to improve the tools, data sources and third-party solutions used for ongoing partner checks. • Help balance customer protection, fraud prevention and commercial growth across a significant multi-million-pound area of the business. • Keep up to date with B2B fraud trends, sharing learning and helping colleagues strengthen controls as the portfolio evolves. About you • Experience of fraud risk within payments, merchant processing, asset finance or another B2B environment. • Experience gained as a fraud underwriter, fraud strategy manager, fraud analyst or second-line policy specialist. • Strong investigative skills, with the ability to assess different sources of information, spot inconsistencies and reach sound conclusions. • Confidence using Tableau dashboards and data to investigate trends and identify unusual patterns. • The ability to explain fraud risk clearly and pragmatically to both technical and non-technical stakeholders. • Curiosity, sound judgement and a practical approach to investigations and risk decisions. • Comfort working in a fast-moving environment where priorities may shift and no two investigations are quite the same. Bonus points for • First-line fraud, risk or operational experience. • Experience working with auto dealers, retailers, introducers, merchants or other third-party partner networks. • Comfort using SQL to extract data or build monitoring scripts. • Experience of designing fraud controls, monitoring rules or operational processes. • An understanding of the trade-offs between risk appetite, customer outcomes and commercial At Zopa we value flexible ways of working. We value face-to-face collaboration and a good work-life balance. This hybrid role requires you to come to our London office 2-3 days a week. You'll also have the option of working from abroad for up to 120 days a year!* But no matter where you are, we’ll make sure yo