At a Glance
- Tasks: Take ownership of fraud systems and build detection rules to combat card fraud.
- Company: Join a leading fintech helping small businesses thrive with innovative financial tools.
- Benefits: Enjoy private healthcare, generous holiday, learning budget, and a dog-friendly office.
- Other info: Embrace inclusivity and authenticity in a supportive team culture.
- Why this job: Make a real impact in fraud prevention while working in a dynamic, fast-paced environment.
- Qualifications: Strong data analysis skills in fintech and hands-on SQL experience required.
The predicted salary is between 60000 - 75000 £ per year.
Capital on Tap started to help small businesses find the financial tools they need. We now offer a best‑in‑class business credit card, spend‑management platform, savings product and a suite of tools that make running a small business easier. This is a hybrid role based in our London (EC1Y 8LZ) offices, 3 days per week.
What You’ll Be Doing
- As a Senior Fraud Data Analyst you will take end‑to‑end ownership of our fraud systems from onboarding fraud through to card fraud.
- You’ll build and refine the capabilities that support new product launches.
- 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 – from spotting patterns to building detection logic and monitoring outcomes.
- Work across card and lending data to understand customer behaviour and fraud risk within our product set.
- Contribute to fraud strategy, including input into ML‑based detection, as the team grows.
We’re Looking For
- A strong data‑analysis background in fintech or digital lending; comfortable handling messy, high‑volume SMB or consumer transaction data.
- Hands‑on SQL skills, including CTEs, window functions, and awareness of WHERE vs HAVING.
- A genuine builder instinct – proactive problem discovery and resolution.
- Experience owning analytical projects end‑to‑end, not simply handing logic to a tech team.
- Comfortable in a small, fast‑moving team where solutions are not always obvious.
Nice to Have
- Direct experience in card fraud – ideally within a bank, card issuer, or fintech on the issuing side.
- Hands‑on familiarity with card fraud systems and associated 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. We strive to create a space where authenticity thrives and everyone can do their best work.
Benefits
- Private Healthcare including dental and opticians services through Vitality.
- Worldwide travel insurance through Vitality.
- Anniversary Rewards (£250, £500, £750, and 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 at the office.
Senior Card Fraud Risk Analyst employer: Capital on Tap
At Capital on Tap, we pride ourselves on being an exceptional employer that fosters a dynamic and inclusive work culture in our London office. As a Senior Card Fraud Risk Analyst, you will enjoy a range of benefits including private healthcare, generous holiday allowance, and a commitment to your professional growth through an annual learning budget. Our supportive environment encourages innovation and collaboration, making it an ideal place for those looking to make a meaningful impact in the fintech space.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Card Fraud Risk Analyst
✨Tip Number 1
Network like a pro! Reach out to people in the fintech space, especially those who work with fraud detection. A friendly chat can lead to insider info about job openings or even a referral.
✨Tip Number 2
Show off your SQL skills! If you get the chance for an interview, be ready to discuss your experience with complex queries. Maybe even prepare a few examples of how you've used SQL to tackle fraud issues.
✨Tip Number 3
Be proactive! When applying, think about how you can contribute to Capital on Tap's fraud strategy. Share your ideas during interviews to show that you're not just a fit for the role, but also a forward-thinker.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re genuinely interested in being part of our team at Capital on Tap.
We think you need these skills to ace Senior Card Fraud Risk Analyst
Some tips for your application 🫡
Show Off Your SQL Skills:Make sure to highlight your SQL expertise in your application. We want to see how you can handle complex queries and data analysis, so don’t hold back on showcasing your hands-on experience with CTEs and window functions!
Tell Us About Your Problem-Solving Instincts:We love a proactive approach! In your application, share examples of how you've discovered and resolved problems in past roles. This will help us see your genuine builder instinct and how you tackle challenges head-on.
Own Your Projects:We’re looking for someone who takes ownership of their work. In your written application, describe any analytical projects you've led from start to finish. This will show us that you’re not just passing the baton but are fully engaged in the process.
Apply Through Our Website:Don’t forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for this exciting role. We can’t wait to hear from you!
How to prepare for a job interview at Capital on Tap
✨Know Your SQL Inside Out
Since the role requires strong SQL skills, make sure you brush up on complex queries, especially CTEs and window functions. Prepare to discuss specific examples of how you've used SQL to identify fraud signals or analyse transaction data in your previous roles.
✨Showcase Your Problem-Solving Skills
This position demands a proactive approach to problem discovery and resolution. Be ready to share instances where you've taken ownership of analytical projects from start to finish, highlighting your ability to build detection logic and monitor outcomes effectively.
✨Understand the Fraud Landscape
Familiarise yourself with current trends in card fraud, including CNP fraud and PSD2 compliance. Being able to discuss these topics will demonstrate your genuine interest in the field and your readiness to contribute to the fraud strategy.
✨Emphasise Team Collaboration
As this is a small, fast-moving team, it's crucial to show that you're comfortable working collaboratively. Share examples of how you've worked with cross-functional teams to implement fraud detection rules or improve existing systems, showcasing your adaptability and teamwork skills.
