Fraud Investigator

Capitalontap; Cardiff; Hybrid; GBP 30,000 - 34,000; Full time

Benefits offered by this job

Private Healthcare

Worldwide travel insurance

Anniversary Rewards

Salary Sacrifice Pension Scheme

28 days holiday

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

Job summary

Capitalontap in Cardiff seeks a Fraud / Customer Operations professional to lead investigations and enhance fraud prevention strategies. This role requires analytical skills to assess and improve controls, training junior team members, and influence the company's defense strategies.

The ideal candidate possesses at least 1 year of fraud experience, strong SQL and Excel skills, and a proactive approach to problem-solving. Flexible work arrangement allows 3 days in office and 2 days remote.

Qualifications

• At least 1 year of experience in a dedicated fraud role.
• Ability to connect seemingly unrelated alerts to identify fraud patterns.
• A proactive mindset with demonstrated problem-solving skills.

Responsibilities

• Lead investigations into high-value fraud cases.
• Propose rule changes and process improvements.
• Analyze fraud data using Excel and SQL.

Skills

Analytical depth

Problem solver

Technical proficiency in data manipulation

Independence in managing cases

Tools

Excel

SQL

Job description

Location: 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.
• Strategic Input: Don’t just spot a trend, propose the specific rule changes or process improvements needed to stop fraud & scams.
• Data Interrogation: Use Excel and SQL to analyze fraud data, identifying vulnerabilities in our current controls.
• Technical Ownership: Handle the most difficult 'end-to-end' cases, including high-stakes customer escalations and external reporting.
• Collaboration & Mentorship: Act as a point of escalation for Junior Investigators, sharing your knowledge and helping calibrate the team’s decision-making.
• Risk Balancing: Use expert judgment to minimize 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: At least 1+ years of experience in a dedicated Fraud role.
• Analytical Depth: Ability to connect the dots between seemingly unrelated alerts to uncover larger fraud patterns.
• 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.

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

• 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

Contact

Email: [e-mail]

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.)