Senior Fraud Strategy Manager

Zilch

Deutschland

Hybrid

EUR 90,000 - 140,000

Full time

7 days ago

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Benefits offered by this job

Pension scheme

Death in Service scheme

Income Protection

Share Options Scheme

5% back on in-app purchases

£200 for WFH Setup

Job summary

Zilch, a fast-growing fintech, is looking for a Fraud Strategy Manager to own the overall fraud strategy across application and in-life fraud. You’ll lead risk-controlled, data-driven strategies that protect the business while keeping customer journeys smooth and friction-free.

You will collaborate with Risk, Fraud Operations, Product, Engineering, Data and Compliance to design effective controls, monitor performance, and drive efficiencies. This role offers high visibility and strategic impact.

Qualifications

Strength in fraud strategy and risk management within fintech, payments, banking, or consumer lending.
Understanding of application and in-life fraud risks and customer lifecycle controls.
Experience designing or optimising fraud rules, decisioning strategies and automated controls.
Strong analytical ability to translate data into actionable decisions.
Experience collaborating with operations, product, engineering and data teams.
Knowledge of KYC, PEP and sanctions frameworks in financial services.
Comfort balancing risk prevention with customer experience and commercial outcomes.
Ability to operate with ownership in a fast-paced, data-driven environment.
Excellent communication to influence stakeholders and explain complex issues.
Hands-on, proactive track record of identifying risks and driving improvements.

Responsibilities

Own and evolve Zilch’s fraud strategy across application and in-life fraud.
Design, optimise, and monitor fraud controls across the customer lifecycle.
Develop understanding of fraud trends, customer behaviour, and outcomes to inform prioritisation.
Partner with Fraud Operations to improve typologies and review outcomes.
Work with Product, Engineering, and Data teams to implement prevention measures and rules.
Monitor fraud performance and take action to improve outcomes.
Balance fraud prevention with a smooth customer journey.
Oversee KYC, PEP and sanctions screening strategies in line with Compliance.
Identify opportunities to improve data, rules, automation and process design.
Drive initiatives with governance and measurable impact.
Provide data-driven insights to stakeholders across fraud, risk, operations and compliance.
Maintain governance and documentation across fraud and financial crime strategies.

Skills

Fraud strategy

Fraud risk

Financial crime

KYC

PEP

Sanctions

Data-driven

Stakeholder mgmt

Communication

Proactive

Job description

Who we are:

We're one of Europe's fastest-growing fintech companies – on a mission to create the world's most empowering way to pay.

We launched the product in 2020 and achieved double unicorn status, valued at $2 billion, and since then have taken on more than 6 million customers.

Our mission is to become the best way to pay for anything, anywhere and say goodbye to credit costs for everyone. This is huge. Want to join us?

About the role.

This is an exciting opportunity to own the overall fraud strategy at a fast-growing fintech, taking leadership of a critical area of risk and a key driver of Zilch’s commercial performance. Fraud is a highly visible and strategically important P&L item, with significant senior scrutiny, and this role will play a central part in shaping how Zilch protects the business while continuing to deliver a great experience for genuine customers.

As Fraud Strategy Manager, you will be responsible for designing and evolving Zilch’s fraud strategy across both application fraud and in-life fraud. You’ll lead the development of strategies that identify, prevent, and respond to fraud risk at scale, ensuring controls are effective, data-driven, and commercially balanced.

The role sits at the intersection of Risk, Fraud Operations, Product, Engineering, Data, and Compliance. You’ll work closely with these teams to turn insight into action, developing measures that protect Zilch from fraud while keeping customer journeys as smooth and proportionate as possible.

You will also support the delivery of key financial crime compliance strategies, including KYC, PEP, and sanctions controls. While the underlying requirements will be owned by the Compliance team, this role will be responsible for developing the strategies that deliver against those requirements in the most efficient and effective way.

With high ownership, senior visibility, and direct impact on both risk performance and profitability, this role offers a strong platform to lead an important agenda within Zilch’s broader risk strategy.

Key responsibilities.

Own and evolve Zilch’s fraud strategy across application fraud and in-life fraud, balancing protection, customer experience, and commercial performance
Design, optimise, and monitor fraud controls across the customer lifecycle, ensuring strategies are effective, scalable, and proportionate
Develop a deep understanding of fraud trends, customer behaviour, and operational outcomes, using this insight to inform strategy and prioritisation
Partner closely with Fraud Operations to understand fraud typologies, operational pain points, manual review outcomes, and opportunities for improvement
Work with Product, Engineering, and Data teams to develop and implement fraud prevention measures, decisioning rules, and automated controls
Monitor fraud performance and key metrics, identifying emerging risks and taking action to improve outcomes
Optimise the balance between fraud prevention and customer journey, reducing unnecessary friction for genuine customers wherever possible
Own the strategy design and delivery of key compliance controls, including KYC, PEP, and sanctions screening, in line with requirements set by the Compliance team
Identify opportunities to improve the efficiency and effectiveness of financial crime controls through better data, rules, automation, and process design
Drive targeted initiatives and projects, ensuring clear delivery, strong governance, and measurable impact
Provide clear, data-driven insight and recommendations to stakeholders, supporting fraud, risk, operational, and compliance decisions
Maintain strong documentation and governance across fraud and financial crime strategies, ensuring controls are well understood and appropriately managed

What we’re looking for.

Strong experience in fraud strategy, fraud risk, financial crime, or customer risk management, ideally within fintech, payments, banking, or consumer lending
Good understanding of application fraud and in-life fraud risks, controls, and customer lifecycle strategies
Experience designing or optimising fraud rules, decisioning strategies, controls, or operational processes
Strong analytical capability, with the ability to translate data into clear decisions and practical action
Experience working closely with operational and technical teams to deliver fraud prevention or financial crime initiatives
Good understanding of KYC, PEP, sanctions, or financial crime control frameworks
Comfortable balancing risk prevention with customer experience and commercial outcomes
Able to operate with ownership in a fast-paced, data-driven environment
Strong communication skills, with the ability to influence stakeholders and explain complex issues clearly
Hands-on, curious, and proactive, with a track record of identifying risks and driving improvements

Benefits.
Compensation & Savings:

Pension scheme.
Death in Service scheme.
Income Protection.
Permanent employees enjoy access to our Share Options Scheme.
5% back on in-app purchases.
£200 for WFH Setup.

Health & Wellbeing:

Private Medical Insurance including;
GP consultations (video, telephone or face-to-face).
Prescribed medication.
In-patient, day-patient and out-patient care.
Mental health support.
Optical, dental & audiological cover.
Physiotherapy.
Advanced cancer cover.
Menopause support.
Employee Assistance Programme including:
- Unlimited mental health sessions.
- 24/7 remote GP & physiotherapy.
- 24/7 helpline for emotional & practical support.
Savings & discounts on everyday shopping.
1:1 personalised well-being consultations.
Gym membership discounts.