Head of Fraud

Harnham - Data and Analytics Recruitment; Greater London; Hybrid; GBP 110,000 - 120,000; Full time

Benefits offered by this job

Hybrid from London

30 days leave + holidays

Private healthcare

Employer‑matched pension

Job summary

Harnham is seeking a Head of Fraud in London, offering a hybrid working pattern. You will own the fraud strategy and lead hands‑on data science and AI initiatives to build intelligent fraud prevention capabilities that protect customers while supporting sustainable growth.

You will combine strategic leadership with practical delivery, building classifiers and deploying AI-driven insights across data sources.

Qualifications

• Strong experience in fraud prevention or financial crime within UK consumer lending or financial services.
• Hands-on experience deploying fraud or risk models into production.
• Advanced Python and SQL skills with machine learning knowledge.
• Experience with LLMs, agentic AI and AI-driven decisioning, including governance.
• Knowledge of Git, testing, CI/CD, cloud environments and model monitoring.
• Ability to translate complex fraud and technical topics for technical stakeholders and senior leadership.

Responsibilities

• Define fraud strategy across customer, document, third‑party and asset‑related risks.
• Build and deploy AI‑driven fraud identification capabilities using multiple data sources.
• Develop fraud classifiers, anomaly detection, document intelligence and network analysis solutions.
• Use machine learning to identify emerging threats, including synthetic identities and application fraud.
• Own production of fraud models: testing, CI/CD, monitoring and governance.

Skills

Fraud prevention

Python

SQL

ML/AI

LLMs/agentic AI

Git/CI-CD

Job description

HEAD OF FRAUD

London, Hybrid | 110-120k

This is an opportunity to take ownership of fraud strategy within a fast-growing digital financial services business. You will combine fraud leadership with hands‑on data science and AI, building intelligent fraud prevention capabilities that protect customers while supporting sustainable growth.

THE COMPANY

They are a technology‑led financial services business focused on creating a simpler, more digital customer experience. With technology and data central to their approach, they are continuing to invest in intelligent decisioning and scalable risk capabilities. You will join at an important stage of growth, with significant scope to shape how fraud prevention develops across the organisation.

THE ROLE

As Head of Fraud, you will own the fraud strategy, combining strategic leadership with hands‑on technical delivery. You will:

• Define fraud strategy across customer, document, third‑party and asset‑related risks.
• Build and deploy AI‑driven fraud identification capabilities using multiple data sources.
• Develop fraud classifiers, anomaly detection, document intelligence and network analysis solutions.
• Use machine learning and AI to identify emerging threats, including synthetic identities and sophisticated application fraud.
• Own the production of fraud models, including testing, CI/CD, monitoring, governance and human oversight.
• Partner with Product, Engineering, Credit, Operations and Collections to embed effective fraud controls.
• Assess new fraud techniques and vulnerabilities, translating emerging threats into practical controls.
• Deliver fraud analytics and management information to demonstrate losses, prevention performance and overall risk exposure.
• Build relationships across the UK fraud and financial services community to strengthen intelligence sharing.

YOUR SKILLS & EXPERIENCE

You will have:

• Strong commercial experience in fraud prevention or financial crime within UK consumer lending or financial services.
• Hands‑on experience building and deploying fraud or risk models into production.
• Advanced Python and SQL skills alongside strong machine learning knowledge.
• Practical experience working with LLMs, agentic AI or AI‑driven decisioning, including evaluation, guardrails and governance.
• Strong understanding of Git, testing, CI/CD, cloud environments and model monitoring.
• The ability to balance fraud prevention with customer experience and commercial outcomes.
• Experience translating complex fraud and technical topics for both technical stakeholders and senior leadership.
• A strong understanding of the UK fraud landscape and emerging financial crime threats.

WHAT THEY OFFER

• Competitive salary and performance‑based pay reviews.
• Hybrid working from London.
• 30 days' annual leave plus bank holidays and an additional birthday day off.
• Flexible opportunities to work remotely from other locations during the year.
• Private healthcare.
• Employer‑matched pension contributions.
• Cycle to Work scheme.
• Significant ownership and the opportunity to shape an AI‑led fraud capability within a growing technology business.