Fraud Strategy & Change Manager

Starling; Southampton; Hybrid; GBP 60,000 - 75,000; Full time

Job summary

A leading digital bank in Southampton seeks a Fraud Strategy & Change Manager. This role involves managing a team focused on Authorised Push Payment Scam prevention and designing robust fraud strategies. Candidates should have over 5 years of experience in fraud strategy, strong analytical skills, and the ability to lead specialized teams. This position offers a competitive salary and a range of benefits in a collaborative, inclusive environment.

Benefits

Company-enhanced salary sacrifice pension scheme

Private Medical Insurance

25 days holiday

Life Insurance

Volunteering time

Perkbox membership

Qualifications

• 5+ years of experience working in an Authorised Push Payment Scam Strategy role.
• Experienced in leading specialized teams in a fraud or risk environment.
• Strong knowledge of fraud regulations.

Responsibilities

• Manage Fraud Specialists in the Authorised Push Payment Strategy team.
• Develop and deploy Authorised Push Payment Scam strategies.
• Assess the effectiveness of the bank's fraud controls.

Skills

Experience in Authorised Push Payment Scam Strategy

Team leadership

Excellent communication skills

Data analysis skills

Knowledge of APPRRs and fraud regulations

Job description

About Starling

At Starling, we are on a mission to provide people with a fairer, smarter, and more human alternative to traditional banks. We are building a leading digital bank, driven by fast technology, fair service, and honest values. Our vision is to create a banking industry that serves everyone, which we accomplish by developing best-in-class proprietary technology, offering an exceptional customer experience, and establishing a strong, sustainable business.

Our five core values - Listen, Keep It Simple, Do The Right Thing, Own It, and Aim for Greatness - are at the heart of everything we do, guiding our strategy and shaping our culture. We're a branchless, largely paperless bank, committed to responsible banking, sustainability, and fostering an inclusive environment where everyone can thrive.

Applications will close on Friday, 20th February at 5pm.

Hybrid working

All Starling colleagues spend a minimum of 10 days per month in the office with flexibility to work the rest from home.

The Opportunity

The Fraud Strategy & Change Manager will work with your Fraud Specialists, Fraud Investigators, Data Scientists, Product Managers and the Engineering team. You'll be expected to think strategically and critically, designing efficient solutions/strategies that meet industry best practices as a minimum. Take a high degree of responsibility over the detection and prevention of fraud, with a specific focus towards Starling's Authorised Push Payment Scam controls.

Key Accountabilities Include

• Manage Fraud Specialists that work within the Authorised Push Payment Strategy team
• Play a key role in proactively developing and deploying a robust Authorised Push Payment Scam strategies
• Be a Subject Matter Expert of Authorised Push Payment Scam systems, particularly around strategic rule design, SSI and Mandatory Reimbursement regulation
• Assist with the ongoing focus on the identification of active and potential threats in order to diminish risk and reduce costs associated with fraud losses, investigations and customer remediation
• Continuously assess the effectiveness of the bank's fraud controls to ensure our approach is appropriate in meeting our regulatory and commercial objectives
• Work with dedicated Engineers and Data experts to dynamically install fraud controls efficiently
• Conduct analysis of changes and anomalies in customer behaviour, fraud numbers and suspicious patterns of behaviour
• Attend external schemes and industry-related meetings, roundtables and working groups and maintain an awareness of forthcoming legislative & regulatory changes
• Work with the wider bank to raise awareness and understanding of Authorised Push Payment Scam issues/risks affecting the bank and ensure that the operational and service teams are well informed and aware of all new/emerging trends
• Close coordination and cooperation with Fraud Risk, Fraud Operations, Product and L&D in relation to new industry initiatives and adherence to industry guidelines
• Work with Fraud Operations, Compliance and the Engineering teams on the design of Authorised Push Payment Scam rules and controls
• Production and maintenance of MI highlighting key trends and performance to Risk and Executive committees
• Conduct and assist with regular analysis of existing and new products/services to identify areas or methods where the bank could be exposed to new Authorised Push Payment Scam risks and suggest improvements/optimisations early on in the scope/design phase

Requirements

Competencies & Skills

• 5+ years of experience working in an Authorised Push Payment Scam Strategy role
• Experienced in leading specialised teams and driving strategic change within a fast paced fraud or risk environment
• Excellent communication skills (written and verbal)
• Good understanding of APPRRs and other relevant regulations
• Skilled in data analysis, able to understand trends and come up with proposed solutions to mitigate fraud risk
• Subject matter expert on Authorised Push Payment Scam typologies
• Strong knowledge of new and existing regulations concerning Fraud

Benefits

Why join Starling

Make an Impact

Work on projects that directly shape the future of banking and improve the financial lives of our customers. Starling is technology-led, and you'll have the freedom to accomplish your goals in innovative ways.

Culture of Excellence

Be part of a collaborative, empowered, and forward-thinking team. We encourage experimentation, ownership, and a relentless focus on "doing the right thing".

Growth and Development

We are committed to your professional growth, offering opportunities to learn new technologies, take on new challenges, and own interesting things from day one.

A Bank That Cares

We're a Living Wage employer, committed to flexible working, and dedicated to creating a fair, open, and safe working environment with compassion and inclusion at its core.

Comprehensive Benefits

We offer a competitive salary and a comprehensive benefits package, including:

• Company-enhanced salary sacrifice pension scheme (7% employer contribution)
• Private Medical Insurance with Vitality including mental health support and cancer care. Partner benefits include discounts with Waitrose, MrMrs Smith and Peloton
• 25 days holiday (plus take your public holiday allowance whenever works best for you)
• An extra day's holiday for your birthday
• Life Insurance at 4x your salary
• 16 hours of paid volunteering time a year
• Ability to buy or sell annual leave
• Generous family-friendly policies
• Annual leave is increased with length of service, and you can choose to buy or sell up to five extra days off
• Incentivised refer a friend scheme
• Perkbox membership giving access to retail discounts, a wellness platform for physical and mental health, and weekly free and boosted perks
• Access to initiatives like Cycle to Work, Salary Sacrificed Gym partnerships and Electric Vehicle (EV) leasing

Our Commitment to Equality

Starling is an equal opportunity employer, and we're proud of our ongoing efforts to foster diversity & inclusion in the workplace. Individuals seeking employment at Starling are considered without regard to race, religion, national origin, age, sex, gender, gender identity, gender expression, sexual orientation, marital status, medical condition, ancestry, physical or mental disability, military or veteran status, or any other characteristic protected by applicable law. When you provide us with this information, you are doing so at your own consent, with full knowledge that we will process this personal data in accordance with our Privacy Notice. By submitting your application, you agree that Starling will collect your personal data for recruiting and related purposes. Our Privacy Notice explains what personal information we will process, where we will process your personal information, its purposes for processing your personal information, and the rights you can exercise over our use of your personal information.