zilch - Senior Fraud Strategy Manager

London, United Kingdom - Hybrid£200/hour+ Equity3w ago

Remote Senior EMEA Banking Fintech Strategy Manager Fraud Analyst Risk Management Documentation Governance

Requirements

• Strong experience in fraud strategy, fraud risk, financial crime, or customer risk management, ideally within fintech, payments, banking, or consumer lending • Good understanding of application fraud and in-life fraud risks, controls, and customer lifecycle strategies • Experience designing or optimising fraud rules, decisioning strategies, controls, or operational processes • Strong analytical capability, with the ability to translate data into clear decisions and practical action • Experience working closely with operational and technical teams to deliver fraud prevention or financial crime initiatives • Good understanding of KYC, PEP, sanctions, or financial crime control frameworks • Comfortable balancing risk prevention with customer experience and commercial outcomes • Able to operate with ownership in a fast-paced, data-driven environment • Strong communication skills, with the ability to influence stakeholders and explain complex issues clearly • Hands-on, curious, and proactive, with a track record of identifying risks and driving improvements • Professional Memberships. • Learning Suite for e-courses. • Internal Training Programmes. • FCA & Regulatory training.

Responsibilities

• Own and evolve Zilch’s fraud strategy across application fraud and in-life fraud, balancing protection, customer experience, and commercial performance • Design, optimise, and monitor fraud controls across the customer lifecycle, ensuring strategies are effective, scalable, and proportionate • Develop a deep understanding of fraud trends, customer behaviour, and operational outcomes, using this insight to inform strategy and prioritisation • Partner closely with Fraud Operations to understand fraud typologies, operational pain points, manual review outcomes, and opportunities for improvement • Work with Product, Engineering, and Data teams to develop and implement fraud prevention measures, decisioning rules, and automated controls • Monitor fraud performance and key metrics, identifying emerging risks and taking action to improve outcomes • Optimise the balance between fraud prevention and customer journey, reducing unnecessary friction for genuine customers wherever possible • Own the strategy design and delivery of key compliance controls, including KYC, PEP, and sanctions screening, in line with requirements set by the Compliance team • Identify opportunities to improve the efficiency and effectiveness of financial crime controls through better data, rules, automation, and process design • Drive targeted initiatives and projects, ensuring clear delivery, strong governance, and measurable impact • Provide clear, data-driven insight and recommendations to stakeholders, supporting fraud, risk, operational, and compliance decisions • Maintain strong documentation and governance across fraud and financial crime strategies, ensuring controls are well understood and appropriately managed

Benefits

• Pension scheme. • Death in Service scheme. • Income Protection. • Permanent employees enjoy access to our Share Options Scheme. • 5% back on in-app purchases. • £200 for WFH Setup. • Health & Wellbeing: • Private Medical Insurance including; • GP consultations (video, telephone or face-to-face). • Prescribed medication. • In-patient, day-patient and out-patient care. • Mental health support. • Optical, dental & audiological cover. • Physiotherapy. • Advanced cancer cover. • Menopause support. • Employee Assistance Programme including: • Unlimited mental health sessions. • 24/7 remote GP & physiotherapy. • 24/7 helpline for emotional & practical support. • Savings & discounts on everyday shopping. • 1:1 personalised well-being consultations. • Gym membership discounts. • Family Friendly Policies: • Enhanced maternity pay. • Enhanced paternity pay. • Enhanced adoption pay. • Enhanced shared parental leave. • Learning & Development: • Hybrid working: office-based Monday, Wednesday, and Thursday; remote working Tuesday and Friday • Casual dress code. • Workplace socials. • Healthy snacks.