Fraud Team Leader (Hybrid)

Zopa Bank Limited; London; Hybrid; GBP 50,000 - 70,000; Full time

Job summary

Join a leading bank as a Fraud Team Leader, managing operations and leading a team to combat fraud. This hybrid role offers flexibility and requires strong leadership and communication skills. You'll ensure compliance with regulations while fostering a collaborative team environment.

Qualifications

• Proven leadership experience in fraud operations, preferably within a fintech or digital bank.
• Strong knowledge of fraud typologies and AML laws.

Responsibilities

• Manage day-to-day operations of the fraud team and monitor team performance.
• Review and approve complex cases, ensuring compliance with internal policies.

Skills

Leadership

Communication

Collaboration

Adaptability

Tools

Fraud Monitoring Tools

Case Management Systems

Job description

Our Story

Hello there. We’re Zopa.

We started our journey back in 2005, building the first-ever peer-to-peer lending company. In 2020, we launched Zopa Bank, a bank that listens to what our customers don’t like about finance and does the opposite. We’re redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre — we’ve built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our offerings at Zopa.com!

We’re incredibly proud of our achievements, and none of it would be possible without our amazing team. It’s not just industry awards we’re winning; we’ve also been named in the top three UK’s Most Loved Workplaces.

If you embrace unconventional challenges, think differently, and are driven to make an outsized impact, you’ll thrive here at Zopa. Join us and make it count. Want to see us in action? Follow us on Instagram @zopalife

As a Fraud Team Leader at Zopa, you will manage the day-to-day operations of the fraud team, alongside the Senior Fraud and Fraud Managers. This role requires a keen eye for detail when reviewing cases, excellent communication and collaboration skills, extensive knowledge of fraud operations and processes, and a strong understanding of regulations and laws.

This is a hybrid role — the team works in the office on Tuesdays and Thursdays.

Your working week will consist of 7.5-hour shifts between 8 am and 8 pm, Monday to Friday, with one weekend day every other week, remotely. If you work a weekend day, you'll receive a day off during the week.

A day in the life:

• Monitor team performance by reviewing daily KPIs for all specialists and providing support throughout the day.
• Review and approve complex cases, offering clear rationale and escalating when necessary.
• Act as a point of contact for the fraud team, supporting new joiners and coordinating training with the Senior Fraud Specialist or team members.
• Manage and run weekly team meetings with the Fraud Manager.
• Support the Fraud and Senior Fraud Managers on additional tasks and project work.
• Ensure investigations align with internal policies, regulatory requirements, and industry best practices.
• Monitor and assess the effectiveness of AML controls related to mule activity, recommending enhancements where necessary.
• Stay informed on emerging money laundering typologies, especially those exploiting digital platforms and social engineering.
• Support audits and regulatory reviews by providing documentation and insights into AML investigations.
• Manage the annual leave and sickness calendar on Bamboo, coordinating with other Fraud Team Leaders and planning the weekend working rota on Teams.

About you:

• Proven leadership experience in fraud operations, preferably within a fintech or digital bank.
• Strong knowledge of fraud typologies.
• Up-to-date understanding of Fraud & AML laws and PSR regulations.
• Experience with fraud monitoring tools and case management systems.
• Excellent communication and interpersonal skills — able to influence, support, and challenge when needed.
• Adaptable in a fast-paced, changing environment.
• Some understanding of disputes and chargebacks.
• A team player who acts with integrity and respects customers and colleagues.
• A self-starter.
• Strong experience in managing a team and setting expectations.

Bonus points for:

• Familiarity with machine learning-driven fraud detection systems like Feature Space and LexisNexis.
• Experience with intelligence-sharing networks or industry working groups.

We're on the move!

By the end of 2025, Zopa will relocate to a new headquarters at 20 Water Street, Canary Wharf, fostering collaboration among 900 employees amidst our growth.

We value flexible working.

This hybrid role requires coming to the London office 2 days a week. You can also work from abroad up to 120 days a year*, subject to the right to work in the country of choice.

*Subject to legal eligibility.

Diversity Statement

Zopa is proud to be a workplace free from discrimination. We believe diversity of experience, perspectives, and backgrounds leads to better products and a richer culture. With nearly 50 nationalities, a DE&I forum, and inclusive hiring practices, everyone can bring their full self to work. Please let us know if you require reasonable adjustments.

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