Head of Fraud Analytics

Were Capital on Tap
Capital on Tap started because small businesses were underserved. Big banks were slow their products werent fit for purpose and small business owners often couldnt access what they needed. We set out to fix that.

Today were 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.

1000 employees 20bn in annual card spend 200000 customers 17000 Trustpilot reviews averaging 4.7 stars and were profitable. Weve done a pretty good job so far but were 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. Were a tight-knit team of analysts and data scientists who dont 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.

What youll be doing

Were hiring a Head of Fraud Analytics to lead our Fraud Analytics team. Youll own how we detect measure and respond to fraud across the entire customer lifecycle - from application through to ongoing monitoring.

The role is roughly 70:30 between leading a small team of analysts and getting hands-on with the analysis yourself. Its a great moment to join: the team is growing and with current accounts launching soon youll be shaping the analytics for an entirely new product alongside improving our existing strategies.

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.

Were 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.

Nice to have

• 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
Worldwide travel insurance through Vitality
Anniversary Rewards (-week fully paid sabbatical)
Salary Sacrifice Pension Scheme up to 7% match
28 days holiday (plus bank holidays)
Annual Learning and Wellbeing Budget
Enhanced Parental Leave
Cycle to Work Scheme
Season Ticket Loan
6 free therapy sessions per year
Dog Friendly Offices
Free drinks and snacks in our offices

Check out more of our benefits values and mission here.

Other Info
Check out ourTop Tips for interviewing.
Keep updated on new job opportunities by following us on Linkedin.
Email if you have any questions.

Excited to work here Apply!
If youd 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.)