Fraud Risk & Governance Leader

Deel; Greater London; Hybrid; GBP 90,000 - 120,000; Full time

Job summary

Klarna in the United Kingdom seeks a senior fraud risk professional to own the fraud risk taxonomy, risk appetite statements, and KRIs, reporting to governance committees and executive boards.

You will test first-line controls, challenge risk acceptances, produce MI and dashboards, and monitor emerging threats, collaborating with Compliance, Legal, and Internal Audit to ensure robust controls while enabling growth.

Qualifications

• 7+ years in fraud or risk, with payments, APP fraud, account takeover, synthetic identity, or merchant fraud.
• Experience applying Three Lines of Defense, risk appetite setting, and risk-control self-assessment.
• Ability to review models and interpret precision, recall, drift, and back-testing results.
• Strong stakeholder management to align remediation timelines with business priorities.

Responsibilities

• Define and maintain the fraud risk taxonomy, risk appetite statements, and key risk indicators.
• Own the methodology for fraud risk assessments and run those assessments periodically.
• Independently test and challenge first-line fraud controls, including rules engines, ML models, and manual review processes.
• Challenge first-line risk acceptance decisions and remediation timelines, and negotiate timelines with business owners.
• Produce fraud risk MI and dashboards for risk committees and the Board.
• Monitor emerging fraud typologies and external threat intelligence, and review and escalate material incidents, losses, and control breaches.
• Provide an independent opinion on new products, markets, and material changes from a fraud risk perspective.
• Maintain the fraud risk policy and check that the first line follows it.
• Track regulatory developments such as PSD2/PSD3, APP fraud reimbursement rules, and local AML and fraud regulation, assess their impact, and support regulatory exams and supervisory requests.
• Coordinate with Financial Crime Compliance, Legal, and Internal Audit, each of which needs different information on a different cadence.

Skills

Fraud risk management

Data analysis

Stakeholder management

Model validation

Regulatory compliance

Tools

Rules engines

ML model review

Job description

Klarna in the United Kingdom seeks a senior fraud risk professional to own the fraud risk taxonomy, risk appetite statements, and KRIs, reporting to governance committees and executive boards.

You will test first-line controls, challenge risk acceptances, produce MI and dashboards, and monitor emerging threats, collaborating with Compliance, Legal, and Internal Audit to ensure robust controls while enabling growth.