Leads claims systems teams overseeing EDI 837 ingestion, accumulator operations, and claims performance, while diagnosing adjudication issues and partnering with Product and Engineering on scalable fixes.
Head of Fraud Operations
📜 Description
- Own the operational improvement roadmap and translate priorities into actionable changes.
- Manage SLA delivery across fraud queues, including account takeover, APP scams, impersonation and transaction fraud.
- Build risk-based processes, SOPs and quality frameworks, including quality control, calibration and feedback loops.
- Work with Workforce Management to forecast and flex resourcing, including during fraud spikes.
- Coach managers and teams, support escalations and incident handling, and strengthen investigative capability.
- Use operational data and MI to improve performance, quality and resourcing, and partner with Fraud Risk, Product and Engineering on control improvements and automation.
🛠️ Requirements
- An experienced fraud operations leader with experience working within regulated financial services.
- Your experience includes personally delivering a significant operational build or transformation, not simply recommending changes.
- Fast-moving environments suit you, and you can show how you delivered without always having access to complete data or validated processes.
- Practical fraud expertise enables you to handle account-fraud risks and complex escalations, supported by sound regulatory judgement.
- Coaching and performance management are strengths, alongside a willingness to demonstrate the work yourself when needed.
- Unafraid of rolling up your sleeves: happy to write the first SOP, build the first dashboard and coach the first cohort yourself, while also leading a large team day to day
- Operational data informs your decisions on quality, service levels, capacity and improvement priorities.
- Experience preparing processes for controlled automation or AI adoption.
- Senior stakeholders trust you to communicate clearly, challenge constructively and follow through on agreed actions.
- Operationally rigorous and data led: close to the MI, strong on SLA management, experienced in working with Workforce Management on resourcing and resilience, and confident using typology and root cause analysis to decide where to focus.
Full job description
Our Fraud Operations team helps protect customers across retail banking. Working across London and Manchester, the team partners with Fraud Strategy, Product, Engineering and Compliance to respond to fraud and improve how we prevent it.
Reporting to our Associate Director of Fraud and Financial Crime, you’ll lead the operation through its next phase of development. You’ll work closely with existing managers to strengthen processes, build capability and turn operational insight into practical improvements.
A day in the life:
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Take ownership of the operational improvement roadmap, turning priorities into changes the team can effectively action.
-
Own SLA delivery across all fraud queues, including account takeover, APP scams and claims, impersonation fraud and transaction fraud, with a close eye on the MI
-
Build clear, consistent processes and SOPs in which every step is linked to the risk it mitigates, so that the team can move from following instructions to making confident, risk based judgements.
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Understand the resourcing needs of each queue and work with Workforce Management to forecast and flex appropriately, including during fraud spikes
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Establish a quality framework, including QC, calibration and feedback loops, that raises the standard of decisions and builds investigative capability across the team
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Support managers to run a confident operation, with clear escalation and incident handling.
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Bring informed judgement to account fraud, APP scams, impersonation and complex customer cases.
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Use available data to improve service delivery, resourcing and quality, while strengthening the evidence over time.
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Use data and MI proactively to understand what's driving performance, celebrate what good looks like, and make sure insight from the ground informs resourcing, development and continuous improvement
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Build feedback loops with Fraud Risk teams and make a clear case for control improvements.
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Use data and MI proactively to understand what's driving performance, celebrate what good looks like, and make sure insight from the ground informs resourcing, development and continuous improvement
-
Partner with Product and Engineering to prepare effective processes for automation and AI-enabled ways of working.
-
Bring a bias towards action: agree a workable standard quickly, put it into practice, and refine it as you learn
About you:
-
An experienced fraud operations leader with experience working within regulated financial services.
-
Your experience includes personally delivering a significant operational build or transformation, not simply recommending changes.
-
Fast-moving environments suit you, and you can show how you delivered without always having access to complete data or validated processes.
-
Practical fraud expertise enables you to handle account-fraud risks and complex escalations, supported by sound regulatory judgement.
-
Coaching and performance management are strengths, alongside a willingness to demonstrate the work yourself when needed.
-
Unafraid of rolling up your sleeves: happy to write the first SOP, build the first dashboard and coach the first cohort yourself, while also leading a large team day to day
-
Operational data informs your decisions on quality, service levels, capacity and improvement priorities.
-
Experience preparing processes for controlled automation or AI adoption.
-
Senior stakeholders trust you to communicate clearly, challenge constructively and follow through on agreed actions.
-
Operationally rigorous and data led: close to the MI, strong on SLA management, experienced in working with Workforce Management on resourcing and resilience, and confident using typology and root cause analysis to decide where to focus.
Added bonus:
-
Experience building or scaling fraud operations in a fintech or digital bank.
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Additional fraud knowledge across current accounts and lending.
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