Senior Fraud Data Analyst
We’re Capital on Tap. Capital on Tap started to help small businesses with financial products that better fit their needs. We offer a business credit card, spend management platform, savings product, and other tools to help small business owners run easier. We have 1,000+ employees, £20bn in annual card spend, 200,000+ customers, and are profitable.
Location: Hybrid role based in our London offices (EC1Y 8LZ), 3 days a week.
What You’ll Be Doing
- Write complex SQL queries to interrogate transaction and customer data, identify fraud signals, and surface emerging attack patterns.
- Design and build fraud detection rules from scratch, set thresholds based on data, and iterate based on live performance.
- Own rules end‑to‑end; build detection, monitor outcome.
- Work across card and lending data to understand customer behaviour and fraud risk in our product set.
- Contribute to fraud strategy as the team grows, including input for ML‑based detection.
- Leverage a background in data analysis within fintech or digital lending; handle high‑volume, messy datasets.
- Apply SQL concepts such as CTEs, window functions, WHERE/HAVING distinctions.
- Take ownership from problem detection through to deployment, without handing logic to a tech team.
- Excel in a small, fast‑moving team where answers are not always obvious.
Nice to have
- Direct experience in card fraud within a bank, card issuer, or fintech on the issuing side.
- Familiarity with card fraud systems and related data (Visa fraud platforms, CNP fraud, 3DS/SCA, PSD2 compliance).
- Experience with APP fraud or faster payment fraud systems.
Diversity & Inclusion
We welcome, consider, and encourage applications from anyone who shares our commitment to inclusivity.
Great Work Deserves Great Perks
- Private healthcare including dental and optician services through Vitality.
- Worldwide travel insurance through Vitality.
- Anniversary rewards (£250, £500, £750, 4‑week fully paid sabbatical).
- Salary sacrifice pension scheme up to 7% match.
- 28 days holiday plus bank holidays.
- Annual learning and wellbeing budget.
- Enhanced parental leave.
- Cycle to work scheme.
- Season ticket loan.
- Six free therapy sessions per year.
- Dog friendly offices.
- Free drinks and snacks in our offices.
