clearbank - Fraud Strategy SME
Requirements
• To excel in this role, you’ll also need: • Strong background in Fraud: Demonstrable understanding of fraud management for cards and/or payments (alerts, claims, investigations, decisioning, documentation, and escalations). You may not have led strategy, but you can confidently operate within established frameworks and learn quickly • Working knowledge and exposure to core fraud management capabilities, systems and controls • Alert/rules monitoring and basic tuning support (working with others to optimise data, rules, and queue performance) • Fraud case triage, investigation support, and consistent decision documentation • Supporting customer outcomes overseeing accurate operational handling of fraud loss refunds, disputes, and complaint inputs (working with customer-facing teams) • Accurate internal reporting (case notes, trend summaries, and operational performance tracking) • Supporting control assurance teams in their activities (sampling, QA checks, evidence gathering) and escalating findings to the Fraud SME • Operational responses to different fraud typologies • Experience using technology-based fraud systems (detection, prevention, containment) and working with others to raise improvements and test changes. • Analytical Skills: Ability to analyse data, identify patterns, and draw conclusions related to fraud • Excellent Communication Skills: Ability to communicate complex information clearly and concisely, both verbally and in writing. Tailoring communications to appropriately to the audience (operations, product, senior leadership) • Problem-Solving Abilities: Ability to identify and resolve fraud-related issues effectively • Exposure to Relevant Regulations: Working knowledge of relevant UK laws and regulations related to fraud and financial crime • Technical Proficiency: Familiarity with fraud detection tools, databases, and other relevant technologies • Organisation and Task Management: Ability to prioritise effectively, and meet deadlines, with oversight and support from the Fraud SME • Regretfully we are not able to sponsor applicants for immigration purposes at the current time. • What makes a great ClearBank team member? Does this sound like you? • You focus on solutions and positive outcomes, thinking radically and responsibly to find the best result for our customers, your colleagues and the bank; • You actively seek feedback from others to drive your growth and development, always assuming positive intent from others and develop strong, trusting relationships you’re your colleagues and customers: you really, genuinely care; • You always strive for the highest quality, but you know that done is better than perfect; you welcome a challenge knowing that they learn as you go and iterate; • ‘I’ before ’we’, isn’t in your vocabulary • If this sounds like you then we encourage you to dust off that CV and apply!
Responsibilities
• Supporting Fraud Strategy and Control Development: • Help lead the day-to-day operation of fraud prevention and detection controls (e.g., alerts, rules, queues, tools and monitoring) and providing input to improvements under the direction of the Fraud SME • Spotting control gaps and operational issues (false positives/negatives, process breaks, emerging typologies) and helping test and implement enhancements to mitigate fraud risks • Documenting and help deliver the rollout of the end-to-end fraud operating model (process maps, playbooks, SLAs) and helping ensure teams follow agreed procedures and escalation paths • Fraud Monitoring and MI: • Monitoring fraud alerts and patterns, using management information (MI) and case insights, flagging emerging threats, and supporting reviews of control effectiveness with the Fraud SME • Fraud Casework and Investigations Support: • Supporting fraud case escalations, coordinating with operations and customer-facing teams and escalating higher-risk or complex cases to the Fraud SME • Training and Knowledge Sharing: • Contributing to playbooks, FAQs and training materials, and helping coach colleagues and the wider business on fraud processes, investigation steps, and reporting requirements • Building a working knowledge of relevant laws, regulations, and scheme rules, and applying internal policies and procedures accurately; escalating interpretation questions to the Fraud SME when needed • Stakeholder Coordination: • Coordinating day-to-day activity with internal teams (e.g., operations, risk, compliance, product) and supporting external interactions (e.g., scheme queries, information requests) under the guidance of the Fraud SME • Risk Assessment Support: • Providing fraud input and oversight into new products, services, and process changes by completing operational checklists, testing controls, and escalating risks and recommendations to the Fraud SME • Reporting and Documentation: • Producing clear, accurate reporting on fraud losses, trends, cases and outcomes, maintaining audit-ready documentation relating to strategy and risk appetite decisions. Escalating key risks and incidents through the agreed governance channels
Benefits
• We're flexible – We support a culture of flexibility which allows our employees to achieve a strong work-life balance. • Offices – Work in a way that works for you – whether that’s in the London office, at home, or hybrid. • Holiday – 27 days of annual leave per year, plus bank holidays. • Holiday buy/sell - Buy or sell up to five days of annual leave each year and shape your year around what matters most. • Work abroad – You have the flexibility to work outside of the UK for up to 30 days in a rolling 12-month period. • Socials – Regular social events open to all. • Holiday swap – Option to swap your bank holidays to any other day of your choice. • Wellbeing – 24/7 employee assistance programme including mental health support, life assurance and income protection. • Bigger than ClearBank – Take a couple of days per year to do something that matters to you. • Healthy living – Private healthcare and discounted dental cover, with employee perks and discounts. • Family – Enhanced family-friendly leave. • Personal development – We offer personal development budgets, opportunities to take part in role-related training and unlimited LinkedIn Learning.
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