Senior Fraud and Disputes Manager

Capital on Tap

Manchester

On-site

GBP 120,000 - 180,000

Full time

14 days+

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Benefits offered by this job

Private Healthcare including dental

Worldwide travel insurance

Annual Learning Budget

Cycle to Work Scheme

Dog Friendly Offices

Job summary

Capital on Tap seeks an experienced Senior Leader for Fraud and Disputes Operations to guide our UK and US teams. You will shape risk strategy, boost controls, and improve the end-to-end customer journey, working across the organization to reduce losses and drive operational excellence.

You will lead fraud prevention and disputes investigations, ensuring regulatory compliance, and fostering a culture of continuous improvement and performance.

Qualifications

Proven track record leading fraud prevention and disputes teams.
Experience aligning UK and US regulatory requirements.
Strong analytical mindset with data-driven decision making.

Responsibilities

Lead Fraud Prevention and Disputes teams to high performance.
Oversee daily operations, capacity planning, scheduling and SLAs.
Ensure compliance with UK and US regulations and scheme rules.
Monitor fraud trends and refine strategies with second line of defence.
Design robust control frameworks to minimise losses and risk.
Leverage data to optimise processes and track KPIs/KRIs.

Skills

Leadership

Fraud & Disputes

Regulatory Knowledge

Data-driven Decision Making

Job description

We’re Capital on Tap. Capital on Tap started because small businesses were underserved. Big banks were slow, their products weren't fit for purpose, and small business owners often couldn't access what they needed. We set out to fix that.

Today we're a financial platform - not just a credit card company. We offer a best-in-class business credit card, SME-focused spend management platform, a savings product that hit £1 billion in funds within its first year, and a growing suite of tools and financial products that make running a small business easier.

1,000+ employees, £20bn in annual card spend, 200,000+ customers, 17,000+ Trustpilot reviews averaging 4.7 stars, and we're profitable. We’ve done a pretty good job so far, but we’re just getting started!

Manchester | 3 days a week in the office.

Fraud and Disputes / Customer Operations

We’re seeking an experienced Senior Leader in Fraud and Disputes Operations to lead our teams supporting our customers across the UK and US. This is a high-impact role that extends well beyond day-to-day management; and you’ll play a key role in defining and evolving our risk strategy, enhancing our control frameworks, and improving the end-to-end customer journey. Working cross-functionally across Capital on Tap, you’ll champion continuous improvement, minimise losses, and play a critical role in upholding our reputation for operational excellence.

Key Responsibilities

Lead, coach, and develop high-performing Fraud Prevention and Disputes Investigation teams, fostering a culture of excellence and continuous improvement.
Oversee day-to-day fraud and disputes operations, including capacity planning, scheduling, SLA management, training, and competency development.
Ensure full compliance with UK and US regulatory requirements, scheme rules, and deadlines, staying current with evolving industry standards.
Monitor emerging fraud trends and collaborate with second line of defence teams to implement and refine fraud and disputes strategies.
Design and maintain robust control frameworks to minimise financial losses, manage operational risk, and act as an escalation point for complex cases.
Leverage technology and data to optimise processes, enhance customer experience, and track KPIs/KRIs to drive performance and continuous improvement.

We’re Looking For

An experienced financial services leader specialising in disputes and fraud, with a focus on business customers.
An adaptable and pragmatic leader with a hands-on, solutions-driven approach to problem solving.
A proven track record of leading high-performing teams in fast-paced, dynamic environments.
A subject matter expert with deep knowledge of regulatory and legal requirements, and extensive experience in risk assessment and control design and testing.
An analytical thinker skilled in interpreting complex data and driving evidence-based decision-making.

Our Values & Culture

Just Pilot: We never settle for "good enough". We pilot new ideas fast, ask questions to figure it out, and scale quickly.
Why Not Today? Fast is as slow as we go - speed and simplicity gives us a competitive advantage.
Be a Buddy: We tap in from day one to help the team, we do the right thing even if it’s hard.
Owners and Dates: We don’t chase people. If you own a task and agree to a date, the expectation is that it gets done.
Feedback: We want our employees to flourish, so we regularly provide direct and constructive feedback.

Interview Process

Stage 1: 30 minute call with a Talent Partner
Stage 2: 60 minute interview with our Customer Operations Director
Stage 3: 60 minute interview with our People team and a peer

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.

Great Work Deserves Great Perks

We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits: