Fraud Investigator

📍 Cardiff | 🏢 3 days a week in office, 2 days at home

Fraud / Customer Operations 🚀
The Fraud team works to help keep our customers safe. You won’t just be working through alerts, but owning end-to-end investigations of complex cases and sophisticated fraud rings. Your knowledge will influence how we build our defenses and you’ll mentor more junior members of the team.  

What You’ll Be Doing 🗃️

• Complex Investigations: Lead deep-dive investigations into high-value cases and emerging, sophisticated fraud MOs (such as synthetic identities, identity theft, falsified business and financial documents, and first-party or bust-out fraud at onboarding).
• Strategic Input: Don’t just spot a trend, propose the specific rule changes or process improvements needed to stop fraud at the front door, across application, KYC/KYB and credit decisioning controls.
• Data Interrogation:  Use Excel and SQL to analyse application and onboarding data, identifying vulnerabilities in our current controls and measuring their impact on fraud losses, approval rates and false positives.
• Technical Ownership: Handle the most difficult "end-to-end" cases, including high-stakes customer escalations and external reporting.
• Risk Balancing: Use expert judgment to minimise friction for legitimate customers while maintaining a hard line against bad actors.

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 it’s hard.
• Owners and Dates: We don’t 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.

We’re Looking For 🔎

• Proven Track Record: Demonstrable experience in a dedicated Fraud role, ideally focused on application, onboarding or credit fraud.
• Analytical Depth: Ability to connect the dots between seemingly unrelated alerts or applications (shared devices, addresses, directors, bank details or documents) to uncover larger fraud patterns and organised networks.
• Problem Solver: A proactive mindset, you see a gap in a process and you're already thinking of the solution.
• Technical Proficiency: Comfortable using Excel to manipulate data; SQL skills are highly preferred to help drive data-led decisions.
• Independence: Able to manage a complex caseload with minimal supervision, making high-stakes decisions confidently.
• Domain Knowledge: Working knowledge of identity verification, document checks, KYC/KYB and fraud tooling such as device intelligence, credit bureau and open banking data. Experience with small business or SME lending or cards is a bonus.

Interview Process 🤝

• Stage 1: 30 minute intro and values call with a Talent Partner
• Stage 2: 60 minute technical assessment with a manager in the Fraud team (in person or virtual)

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:
💷 Salary: £30,000-34,000 (depending on experience)

🏥 Private Healthcare including dental and opticians services through Vitality
✈️ Worldwide travel insurance through Vitality
🎁 Anniversary Rewards (£250, £500, £750, 4-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 Useful Info
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📧Email [email protected] if you have any questions.

Excited to work here? Apply!
If you’d 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.)