Head of FC & Fraud Change and Technology Oversight

At Metro Bank, we believe the best banking experience starts with people who genuinely care. We’re not just delivering banking services - we’re building trust through authentic connections. Here, our people come first; our colleagues are part of a team that values individuality, collaboration, and long‑standing relationships. We are also all about balance so most of our jobs offer the opportunity for hybrid working built around your role and home life, wherever possible.

The Role Holder will be accountable for ensuring that the Bank’s systems and controls remain fit for purpose as the organisation grows, providing 2nd line oversight of the continuous adequacy and end‑to‑end integrity of the Bank’s Financial Crime and Fraud Technology landscape. They will deliver executive‑level assurance, technical leadership, and independent challenge to ensure that all Financial Crime and Fraud systems remain compliant, data‑driven, and aligned with evolving legislative requirements, regulatory expectations, the Bank’s Board‑approved risk appetite, and emerging threats.

What you will do:

• Lead the FC and Fraud Change portfolio, ensuring initiatives are risk‑prioritised, well‑governed and delivered to regulatory standards.
• Maintain the control uplift inventory and provide strong challenge across delivery.
• Produce clear reporting for senior committees and regulators.
• Influence change prioritisation and elevate delivery risks where required.
• Own FC and Fraud system standards for scenario coverage, calibration, segmentation and documentation.
• Ensure standards and RBAs align to risk appetite, EWRA outcomes and regulatory expectations.
• Maintain a clear RACI for system ownership and oversight.
• Provide 2nd line oversight of all technology implementations, ensuring control effectiveness, transparency, resilience and regulatory compliance.
• Validate technical builds, testing and scenario coverage, and oversee post‑implementation reviews.
• Oversee performance and integrity of FC and Fraud systems, including AI‑enabled solutions.
• Challenge system effectiveness, approve major changes and ensure viable exit strategies.
• Monitor third‑party suitability and elevate material risks.
• Ensure robust governance of scenario design, segmentation and calibration.
• Drive intelligence‑led tuning and oversee validation and performance monitoring.
• Challenge outputs that fall below risk appetite.
• Oversee AI/ML governance, including explainability, bias assessment and performance monitoring.
• Define human‑in‑the‑loop controls, ensure model validation and elevate deviations.
• Ensure system data is accurate, complete and timely.
• Oversee data sourcing, mapping and lineage, and challenge deficiencies.
• Embed feedback from incidents, audits and system metrics into continuous improvement.
• Oversee remediation and elevate systemic issues.
• Provide challenge in governance forums and deliver reporting to senior committees and regulators.
• Act as technical lead in supervisory interactions and ensure documentation is audit‑ready.
• Lead, develop and retain a high‑performing FC and Fraud technology oversight team.
• Foster a culture of accountability, expertise and continuous improvement.
• Any other duties as required that reasonably fall within the role.

What you will need:

• Extensive experience in financial crime or fraud risk management.
• Strong systems and control architecture expertise.
• Experience leading complex financial crime technology transformation programmes.
• Significant experience at senior management level overseeing enterprise‑scale TM and screening systems.
• Strong understanding of model risk management principles and emerging regulatory expectations relating to AI governance in financial services.
• Demonstrated experience overseeing AI or machine learning models within financial crime, fraud or risk systems.
• Strong regulatory credibility, including experience interacting with regulators and law enforcement.
• Excellent verbal communication, strategic thinking, and problem‑solving capabilities.

Our promise to you…

We will make sure that you are well‑rewarded by providing you with a competitive salary, discretionary annual bonus, and a wide range of benefits, including generous holiday allowance, attractive pension scheme, healthcare, life assurance, and a number of colleague discounts! We will give you the training to ensure you succeed in your role and plenty of internal opportunities to progress your career (around 40% of our recruitment comes from internal promotions!).

Diverse teams really are the best teams. We know that candidates (especially women, research tells us) may be put off applying for a job unless they can tick every box. We also know that ‘normal’ office hours aren’t always doable, and while we can’t accommodate every flexible working request we are happy to be asked. So if you are excited about working with us and think you can do much of what we are looking for but aren’t sure if you are 100% there yet… why not give it a whirl?

Please note that sometimes we may close a job earlier for applications if we are inundated with amazing candidates… Good luck!