Fraud Operations Team Leader

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!

Cardiff 3 days per week in office

Fraud/Customer Operations

Our Fraud Operations team keeps Capital on Tap - and its customers - one step ahead of fraudsters. From spotting application and vetting fraud to protecting customers from scams this teams work has a direct visible impact on a fast-growing fintech at scale.

What Youll Be Doing

• Grow and develop a high-performing fraud operations team (circa 10 FTE) covering detection prevention investigation and case management across UK and US portfolios.
• Support with building and overseeing strong fraud control frameworks (rules models and manual review) to reduce financial loss and operational risk.
• Partner with Data Science and Engineering to improve fraud detection technology reduce false positives and streamline investigation workflows.
• Effectively manage KPIs to drive performance excellence and identify improvement opportunities.
• Act as the escalation point for complex or high-value fraud cases including liaison with law enforcement Action Fraud and card schemes.
• Ensure fraud operations identify and appropriately support vulnerable customers and victims of fraud.
• Stay up to date with fraud typologies regulatory requirements (including APP fraud reimbursement rules and the Payment Services Regulations) and industry best practice.

Our Values & Culture

• Just Pilot: We never settle for good enough. We pilot new ideas fast ask questions to figure it out and scale quickly.
• Why Not Today Fast is as slow as we go - speed and simplicity gives us a competitive advantage.
• Be a Buddy: We tap in from day one to help the team we do the right thing even if its hard.
• Owners and Dates: We dont chase people. If you own a task and agree to a date the expectation is that it gets done.
• Feedback: We want our employees to flourish so we regularly provide direct and constructive feedback.

Were Looking For

• An experienced financial services leader specialising in fraud operations ideally across card payments or consumer credit.
• A proven track record of managing and supporting high-performing teams in fast-paced dynamic environments.
• A subject matter expert in fraud typologies (card fraud APP/scam fraud account takeover application fraud) with deep knowledge of the regulatory landscape governing them.
• An analytical thinker skilled in interpreting complex data using SQL to extract the data and then driving evidence-based decision-making.
• A genuine commitment to the fair and appropriate treatment of vulnerable customers and fraud victims.

Interview Process

• Stage 1: 30 minutes with a Talent Partner
• Stage 2: 60 minutes with our Head of Fraud Operations
• Stage 3: 60 minutes with another Head of

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
Octopus EV Salary Sacrifice Scheme
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
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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.)