Fraud and FinCrime Data Scientist

Capital on Tap; Greater London; Hybrid; GBP 50,000 - 70,000; Full time

Job summary

A fintech company in London is looking for a Risk Analyst/Data Scientist to enhance their Financial Crime detection efforts. You will utilize advanced analytics, SQL, and Python to influence risk-based decision-making and mitigate fraud losses. This hybrid role mandates collaboration with various stakeholders and a thorough understanding of compliance regulations. The ideal candidate holds a degree in Economics or STEM and possesses high-level analytical skills. Competitive perks include private healthcare and an annual learning budget.

Benefits

Private Healthcare

Worldwide travel insurance

Anniversary rewards

Salary sacrifice pension scheme

28 days holiday

Annual learning budget

Enhanced parental leave

Cycle to work scheme

Season ticket loan

Free therapy sessions

Dog-friendly offices

Free drinks and snacks

Qualifications

• Experience in creating and optimising FinCrime detection rules.
• Strong analytical capabilities and comfort with complex analysis.
• 2.1 or above at degree level, preferably in Economics or a STEM subject.

Responsibilities

• Apply advanced analytics to detect financial crime.
• Support launch of new products with robust fraud controls.
• Collaborate with stakeholders across the business.

Skills

Advanced analytics

SQL

Python

Analytical skills

Collaboration

Verbal communication

Problem-solving

Education

Degree in Economics or STEM

Job description

We’re Capital on Tap 👋

💳 Capital on Tap was founded with the mission to help small business owners and make their lives easier. Today, we provide an all‑in‑one business credit card & spend management platform that helps business owners save time and money. Capital on Tap proudly serves over 200,000 businesses across the world and our goal is to help 1\,million small businesses by 2030.

Why Join Us?

We empower you to be innovative and solve complex problems. Take ownership, make an impact, and thrive in our scaling and agile environment.

🏢This is a Hybrid role in our London (EC1Y 8LZ) offices 3 days per week.

What You’ll Be Doing

We’re looking for a highly technical Risk Analyst / Data Scientist to join our Fraud & Financial Crime Team. The focus of this role will be more on FinCrime, using data and analytics to innovate and optimise our risk‑based decision making for the purpose of minimising fraud losses and maximising regulatory compliance. Playing a central role in our analytics team, your responsibilities will include:

• Applying advanced analytics to maximise the efficiency and effectiveness of our Financial Crime detection processes
• Supporting the launch of new products and balancing the need for robust fraud and financial crime controls whilst maintaining a positive customer experience
• Working with external vendors to continually evaluate innovative or alternative products and tools
• Proactively championing best use of AI to accelerate delivery of analytical output and as an integral part of our business solutions
• Presenting and actively collaborating with a wide group of business stakeholders including Operations, Credit, Senior Management, and external business partners
• Experience creating and optimising FinCrime detection rules and reports, ideally then building models from this
• Highly analytical and comfortable conducting complex analysis using SQL and Python
• Exceptional detail‑orientated, problem‑solving skills and the ‘can‑do’ attitude to thrive in a fast‑paced, high‑growth environment
• Excellent collaboration skills and a natural team‑player
• Strong verbal communication skills including the ability to clearly explain complex concepts to other analysts, business stakeholders and senior leadership
• 2.1 or above at degree level, preferably in Economics or a STEM subject

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

• 🏥 Private Healthcare including dental and optician 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
• 🏖️ 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

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).