The Role
The Fraud Strategy Lead will design and implement fraud prevention strategies, collaborate with various teams, analyze data for fraud insights, and ensure regulatory compliance.
Summary Generated by Built In
Our Story
Hello there. We’re Zopa.
We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and 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 fantastic offerings at Zopa.com!
We’re incredibly proud of our achievements and none of it would be possible without the amazing team here. 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, are unafraid to think differently and are driven to make an outsized impact, you’ll thrive here at Zopa, so join us, and make it count. Want to see us in action? Follow us on Instagram @zopalife
We're looking for a Fraud StrategyLead to join our mission to make money work better for millions of customers. In this pivotal role, you'll be at the forefront of protecting our customers and Zopa from fraud while ensuring we deliver the seamless, human experience we're known for.
You'll lead our fraud prevention strategy across our entire product ecosystem - from current accounts and loans to savings, credit cards, and car finance and via our Zopa mobile banking app and web. This is your chance to shape how a modern bank thinks about and tackles fraud in an increasingly digital world.
As our Fraud Strategy Lead, you'll be the architect of our fraud defence strategy, working directly with our Director of Fraud to keep our customers safe while enabling our business to grow boldly.
A day in the life:
- Strategic Leadership - Design and deliver exceptional fraud prevention strategies that protect both our customers and Zopa, balancing security with the seamless experience our customers love
- Build and maintain our fraud risk framework, ensuring we stay within fraud budget while supporting ambitious business growth
- Act as Zopa's fraud subject matter expert, advising stakeholders on emerging trends, regulatory changes, and industry best practices
- Support the business in the roll out of new products/process
- Cross-functional Impact - Partner with Product, Tech, Operations, and Risk teams across both First and Second Lines of Defence to embed fraud prevention and detection into everything we build
- Transform fraud insights into actionable strategies, working with data to identify best in class fraud strategies and create enhanced controls
- Champion industry collaboration, building and maintaining strong networks and partnerships to keep Zopa at the forefront of fraud prevention
- Hands-on Delivery - Deep dive into fraud performance across all products, identifying risks and opportunities for enhancement
- Conduct root cause analysis to uncover emerging threats and drive continuous improvement
- Develop roadmaps for control enhancements and oversee their delivery
- Ensure our fraud strategies and controls meet current and future regulatory requirements; including the accurate submission of regulatory reporting
About you:
- You're a fraud prevention expert who thrives on solving complex problems and turning challenges into opportunities. You combine strategic thinking with hands-on delivery, and you're energised by working in a fast-paced, collaborative environment.
- Proven track record of defining and delivering fraud prevention strategies across first party fraud, third party fraud, and Authorised Pushed Payment fraud and Account Takeover
- Experience working in financial services or consultancy, with deep expertise in fraud detection and prevention
- Strong analytical skills with the ability to generate insights from data and communicate them to diverse audiences
- Excellence in stakeholder management - you can navigate competing priorities and manage expectations under pressure
- Love working collaboratively with cross-functional teams to solve complex problems
- Can translate technical fraud concepts into clear, actionable insights for non-technical audiences
- Have experience optimising operational processes to enhance fraud frameworks
- Are passionate about protecting customers while enabling great experiences
#LI-LK1
At Zopa we value flexible ways of working.
We value face-to-face collaboration and a good work-life balance. This hybrid role requires you to come to our London office 2-3 days a week.
You'll also have the option of working from abroad for up to 120 days a year!* But no matter where you are, we’ll make sure you’ve got everything you need to thrive, both in your work and home life, from day one.
*Subject to having the right to work in the country of choice
Diversity Statement
Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments.
Top Skills
Data Analysis
Fraud Detection
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The Company
What We Do
We’re Zopa, and we want to make money work better for you. Our diverse team is united in their mission of creating simple, fair and honest financial products that have the customer’s needs at their heart. We’re proud that this dedication is reflected in our excellent rating on TrustPilot. We’ve always been unapologetically honest with our customers, and value the same in return. Their feedback helps us shape what we build, so we can provide a bank fit for today, and for the future. We’re not the new kids on the block though - we’ve been a pioneering force in finance for 16 years. In 2005, we built the first ever peer-to-peer (P2P) lending company, giving our customers access to loans built for real-life and intelligent investments backed by cutting-edge tech. In 2020, we launched Zopa Bank, meaning we could offer more – like fixed term savings backed by FSCS protection and a credit card to help customers take control of their finances. We’ve lent out over £6 billion and are proud to have made money work better for over half a million people across the UK, whether they were looking to borrow or save.
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