About this role
Role Overview
- Own and execute the Bank’s fraud management strategy across all business lines, including Omni (retail finance), Property and Savings.
- Lead fraud prevention, detection and investigation activity, with a particular focus on Omni as the highest-volume and most dynamic fraud risk area.
- Analyse fraud trends and behaviours across products and channels, using insight to strengthen controls and reduce losses.
- Lead timely and effective fraud investigations, minimising customer detriment and financial exposure.
- Maintain and enhance fraud rules, tools and systems in partnership with Risk and Operations, ensuring consistency and scalability across the Bank.
- Produce clear fraud MI, root cause analysis and post-incident remediation actions for senior stakeholders and committees.
- Maximise fraud recoveries and manage financial impacts including chargebacks and write-offs.
- Work closely with Legal, law enforcement and external agencies on fraud cases and resolutions.
- Ensure fraud policies, procedures and controls remain effective, up to date and compliant across all business areas.
- Support the continued development of the Bank’s wider financial crime framework, ensuring alignment between fraud risk and broader financial crime controls.
Requirements
- Proven experience in fraud management within a financial services environment (essential/minimum requirement)
- Strong understanding of fraud risks across lending and/or savings products, including retail finance, mortgages or deposits (essential/minimum requirement)
- Deep knowledge of fraud behaviours, tools, controls and UK market best practice (essential/minimum requirement)
- Excellent investigation and root cause analysis skills.
- The ability to communicate complex issues clearly to senior stakeholders.
- Experience working with external bodies such as Action Fraud, law enforcement, FOS or credit reference agencies.
- A proactive, adaptable approach, able to operate effectively in a fast-moving environment.
Benefits
- Competitive salary
- Performance bonus (based on individual and company performance)
- Generous contributory pension through Hargreaves Lansdown
- Life Assurance
- 25 days’ holiday + option to buy/sell 5 days
- Additional paid volunteering day
- Private healthcare through Equipsme (includes cash back for Dental and Optical treatment)
- Free access to BHSF Rise EAP to support colleague health and wellbeing
- Gym discounts
- Season ticket travel loans (if applicable)