At a Glance
- Tasks: Join our Fraud team to analyse data and build fraud detection systems.
- Company: Capital on Tap, a leading fintech revolutionising small business finance.
- Benefits: Private healthcare, 28 days holiday, and a fun office environment with perks.
- Other info: Dynamic, inclusive culture with great career growth opportunities.
- Why this job: Make a real impact in fraud prevention while working with cutting-edge technology.
- Qualifications: Strong data analysis skills, especially in SQL, and experience in fintech or digital lending.
The predicted salary is between 60000 - 75000 £ per year.
Capital on Tap started because small businesses were underserved. Big banks were slow, their products weren't fit for purpose, and small business owners often couldn't access what they needed. We set out to fix that. Today we're a financial platform - not just a credit card company. We offer a best-in-class business credit card, SME-focused spend management platform, a savings product that hit £1 billion in funds within its first year, and a growing suite of tools and financial products that make running a small business easier.
This is a Hybrid role in our London (EC1Y 8LZ) Offices 3 days per week.
What You’ll Be Doing
- We're looking for a Senior Fraud Data Analyst to join our Fraud team. This is a hands-on, high-ownership role - you'll take direct responsibility for our fraud systems end-to-end, from onboarding fraud through to card fraud, and play a central part in building the capabilities we need as we launch new products.
- 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. You spot the pattern, you build the detection, you monitor the outcome.
- Work across card and lending data to understand how our customers behave and where fraud risk sits in our specific product set.
- Contribute to fraud strategy as the team grows, including input into ML-based detection further down the line.
We’re Looking For
- A strong data analyst background in a fintech or digital lending environment.
- You know what SMB or consumer transaction data looks like and you're comfortable working with messy, high-volume datasets.
- SQL you can actually use. CTEs, window functions, the difference between WHERE and HAVING.
- A genuine builder instinct. You don't wait to be told there's a problem. You find it in the data and you fix it.
- Experience working end-to-end on analytical problems. Not handing logic to a tech team. You own it through to deployment.
- Comfortable in a small, fast-moving team where the answer isn't always obvious and you have to work it out yourself.
Nice to have
- Direct experience working in card fraud - ideally within a bank, card issuer, or fintech operating on the issuing side.
- Hands-on familiarity with card fraud systems and the data that comes with them (Visa fraud platforms, CNP fraud, 3DS/SCA, PSD2 compliance).
- Experience with APP fraud or faster payment fraud systems is a strong bonus.
Diversity & Inclusion
We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.
Great Work Deserves Great Perks
We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:
- Private Healthcare including dental and opticians 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
- 6 free therapy sessions per year
- Dog Friendly Offices
- Free drinks and snacks in our offices
Excited to work here? Apply! If you’d like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days).
Senior Card Fraud Risk Analyst in London employer: Capital on Tap
At Capital on Tap, we pride ourselves on being an exceptional employer, offering a vibrant work culture that fosters innovation and collaboration. Our London office is not just a place to work; it's a space where creativity thrives, complete with fun amenities like a pool table and office dogs. With a strong focus on employee growth, we provide extensive benefits including private healthcare, generous holiday allowances, and a commitment to inclusivity, making it an ideal environment for those looking to make a meaningful impact in the fintech industry.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Card Fraud Risk Analyst in London
✨Tip Number 1
Get to know the company inside out! Research Capital on Tap's products and values. When you understand what makes them tick, you can tailor your conversations to show how you fit into their mission.
✨Tip Number 2
Network like a pro! Connect with current employees on LinkedIn or attend industry events. A friendly chat can sometimes lead to insider tips or even a referral, which can give you a leg up in the hiring process.
✨Tip Number 3
Prepare for those tricky interview questions! Brush up on your SQL skills and be ready to discuss your analytical approach. Practice explaining your thought process clearly, as they’ll want to see how you tackle problems.
✨Tip Number 4
Don’t forget to follow up! After your interview, send a quick thank-you note. It shows your enthusiasm for the role and keeps you fresh in their minds. Plus, it’s just good manners!
We think you need these skills to ace Senior Card Fraud Risk Analyst in London
Some tips for your application 🫡
Tailor Your CV:Make sure your CV speaks directly to the role of Senior Card Fraud Risk Analyst. Highlight your experience with SQL, fraud detection, and any relevant fintech background. We want to see how your skills align with what we’re looking for!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Share your passion for tackling fraud in the fintech space and how you can contribute to our mission. Be genuine and let us know why you’re excited about this opportunity at Capital on Tap.
Showcase Your Analytical Skills:Since this role involves complex data analysis, don’t shy away from showcasing your analytical prowess. Mention specific projects where you’ve used SQL to solve problems or detect fraud patterns. We love seeing real examples!
Apply Through Our Website:We encourage you to apply through our website for a smoother process. It helps us keep track of applications and ensures you get the best experience. Plus, it shows you’re keen on joining our team!
How to prepare for a job interview at Capital on Tap
✨Know Your SQL Inside Out
Since you'll be tested on your SQL skills, make sure you brush up on complex queries, CTEs, and window functions. Practise writing queries that can interrogate messy, high-volume datasets, as this will be crucial for identifying fraud signals.
✨Show Your Builder Instinct
Capital on Tap is looking for someone who takes initiative. Be prepared to discuss examples where you've identified problems in data and taken the lead in solving them. Highlight your hands-on experience with analytical problems and how you’ve owned projects from start to finish.
✨Understand the Fraud Landscape
Familiarise yourself with card fraud systems and the specific data associated with them. If you have experience with Visa fraud platforms or APP fraud, be ready to share insights on how these systems work and how they relate to the role.
✨Be Ready for a Fast-Paced Environment
This role requires adaptability and problem-solving skills. Prepare to discuss how you've thrived in small, fast-moving teams where answers aren't always obvious. Share examples of how you've navigated ambiguity and contributed to team success.
