Lead Data Analyst- Card Fraud

Capitalontap; Greater London; On-site; GBP 60,000 - 75,000; 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

Free therapy sessions

Dog Friendly Offices

Free drinks and snacks

Job summary

Capitalontap is looking for a Senior/Lead Card Fraud Data Analyst to work in a hybrid environment in London. This high-ownership role will involve taking direct responsibility for fraud systems, including onboarding and monitoring card fraud.

The ideal candidate should have a strong data analyst background in fintech or digital lending, proficient SQL skills, and experience in analytical problems from deployment to execution. You will enjoy benefits such as private healthcare, travel insurance, and 28 days of holiday.

Qualifications

• Strong data analyst background with messy, high-volume datasets.
• Proficient in SQL including CTEs and window functions.
• Experience in end-to-end analytical problems.

Responsibilities

• Write complex SQL queries to identify fraud patterns.
• Design and build fraud detection rules.
• Contribute to fraud strategy as the team grows.

Skills

SQL skills

Data analysis in fintech

Problem-solving skills

Experience in card fraud

Job description

Hybrid role in our London (EC1Y 8LZ) office, 3 days per week.

Senior/Lead Card Fraud Data Analyst / Analytics Manager

This is a hands‑on, high‑ownership role where you will take direct responsibility for fraud systems end‑to‑end, from onboarding fraud through to card fraud, and play a central part in building the capabilities we need as we launch new products.

Responsibilities

• Write complex SQL queries to interrogate transaction and customer data, identify fraud signals, and surface emerging attack patterns.
• Design and build fraud detection rules from scratch, set thresholds based on data, and iterate based on live performance.
• Own rules end‑to‑end: spot patterns, build detection, and monitor outcomes.
• Work across card and lending data to understand how customers behave and where fraud risk sits in our product set.
• Contribute to fraud strategy as the team grows, including input into ML‑based detection further down the line.

Qualifications

• Strong data analyst background in a fintech or digital lending environment; comfortable working with messy, high‑volume datasets.
• Proficient SQL skills, including CTEs, window functions, and understanding of WHERE vs HAVING.
• Builder instinct: proactively identify problems in data and resolve them.
• Experience working end‑to‑end on analytical problems, owning them through deployment.
• Comfortable in a small, fast‑moving team where answers are not always obvious and you must work them out yourself.

Nice to Have

• Direct experience working in card fraud – ideally within a bank, card issuer, or fintech operating on the issuing side.
• Hands‑on familiarity with card fraud systems and associated data (Visa fraud platforms, CNP fraud, 3DS/SCA, PSD2 compliance).
• Experience with APP fraud or faster payment fraud systems.

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.

Benefits

• 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.
• 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.