Senior Application Fraud Analyst

Business Unit: COO Fraud Analytics
Salary range: Up to circa 58000 per annum DOE Benefits
Location: UK Hybrid Leeds/Gosforth/Glasgow
Contract Type: Permanent full-time

Our Team

Youll be joining the Application Fraud Analytics team who are responsible for the application fraud strategies across all products. What this means in laymans terms is that the team are responsible for preventing anyone who has had their identity stolen from becoming a victim of fraud at Virgin Money protecting both customers non-customers and the bank itself. Do you want to make a difference too

What youll be doing

• Driving application fraud strategy for a specific area of the business being a point of contact for stakeholders and providing SME input.
• Optimising and monitoring performance of fraud detection and prevention systems and associated models.
• Taking the lead for your areas fraud systems to manage fraud risk within appetite and budget.
• Completing analytics as directed to support the setting and on-going reporting and management of the Fraud loss budget.
• Producing accurate and relevant fraud MI required by governance committees and providing updates in monthly forums
• Supporting development of other application fraud analysts in analytics and MI
• Supporting leading and providing SME insights for business wide change
• Identifying ongoing improvements to tools and systems and supporting and driving the delivery of change for the application fraud team
• Supporting external engagement with third party suppliers industry bodies and law enforcement as required

We need you to have

• Practical extensive experience of using SAS / SQL or equivalent analytical tools to develop data driven solutions.
• Knowledge and use of industry standard fraud systems and data sources (Hunter CIFAS Detect TruValidate Mitek).
• A track record of completing analytics and tuning fraud defence systems to manage fraud loss within budget and appetite.
• Knowledge of fraud risks threats and landscape.
• A proven ability to manage workload in a fast-paced environment with potentially multiple conflicting needs.
• Practical experience producing and creating accurate MI

Its a bonus if you have but not essential

• Experience driving change for Fraud projects from identification of problem to delivery of solution.

The extras youll get

• 25 days holiday per year which increases over time to 30. Plus an option to buy more giving you even more choice.
• Private medical insurance
• A highly competitive pensionto help you build a strong foundation for retirement.
• Access to an annual performance related bonus
• Training and development to help you progress your career
• A great selection of additional benefits through our flexible benefits scheme
• Life assurance to provide peace of mind for you and your loved ones in the event of your death.
• Up to 2 days of paid volunteering a year

If were lucky to receive a lot of interest we may close the advert early. Please ensure to submit your applications as soon as possible.

Say hello to Virgin Money

Virgin Money is so much more than just a bank. As part of theNationwide grouptogether were the UKs first full-service mutual bank serving millions of retail and business customers and all driven by our purpose; Banking but fairer more rewarding and for the good of society. With us youll be part of an organisation uniquely positioned to make a difference to the lives of customers communities and broader society and embark on a collaborative customer obsessed and fun-filled career journey. Embrace the weekdays enjoy fantastic perks and make a meaningful positive difference. Time to discover what it means to be part of the first mutual full-service banking provider.

Be yourself at Virgin Money

At Virgin Money we celebrate everyone. We have fun think big and relentlessly include each other all in pursuit of our purpose: Banking but fairer more rewarding and for the good of society.Were committed to creating an inclusive culture where colleagues feel safe and inspired to contribute speak up and be heard.

As a Disability Confident Leader were committed to removing any obstacles to inclusion. If you need any reasonable adjustments or support making your application contact our Talent Acquisition team

Please note: If we receive a high volume of eligible applications we may need to prioritise candidates whose skills and experience most closely align with the role while still ensuring fair and equitable consideration for all applicants.

Now the legal bit

Were in the process of bringing Virgin Money and Nationwide together which subject to Court approval will happen on 2 April 2026. You can find out more about what this means at If youre successful in securing a role with us your employment will move automatically to Nationwide when this transfer goes ahead.

Although some of our roles allow you to be based anywhere in the UK well need you to confirm you have the right to work in the UK.

If youre successful in securing a role with us there are some checks you need to complete before starting. These include credit and criminal record checks and three years worth of satisfactory references. If the role is part of the Senior Manager Regime and Certification Regime it requires enhanced pre-employment checks well ask for six years of regulatory references and once in the role youll be subject to periodic employment checks.