Senior Fraud Investigator

As a Senior Fraud Investigator, you will support Nationwide's ambition to deliver fair, trusted and customer-focused banking, in line with its mutual purpose and strategic drivers. Working within a specialist investigations team, you will conduct root cause analysis of complex high value fraud and support with sensitive or high-profile investigations to help protect customers, uphold the Society's commitment to doing the right thing, and ensure risks are managed effectively.

You will play a key role in maintaining a safe and well-controlled environment, ensuring fraud risks are identified, assessed and addressed in line with regulatory and governance expectations. You'll help us strengthen trust by identifying root causes, influencing control improvements, and embedding lessons learned across the organisation. Through collaboration with operational teams, legal partners and external agencies, you will actively contribute to strengthening controls and improving how the Society responds to fraud.

Working across operational, business, risk and legal teams, you will help ensure that risks are clearly understood, mitigated and reported appropriately, supporting Nationwide's focus on customer value, trust and long-term sustainability.

At Nationwide we offer hybrid working wherever possible. More rewarding relationships are supported through our hybrid approach, bringing colleagues together across our UK wide estate, whilst also supporting generous access to home working. We value our time in the office to solve problems, to learn, and to feel connected.

For this job you'll be located at our nearest regional office or hub. There will be a need to regularly connect with colleagues for collaboration and in some locations you'll be expected to spend at least two days a week, or if part time you'll spend 40% of your working time, in the office. If your application is successful, your hiring manager will provide further details on how this works.

If we receive a high volume of relevant applications, we may close the advert earlier than the advertised date, so please apply as soon as you can.

The extras you'll get include:

• Access to private medical insurance
• A highly competitive pension to help you build a strong foundation for retirement
• Access to an annual performance-related bonus
• Training and development to help you progress your career
• A great selection of additional benefits through our salary sacrifice scheme
• Life assurance to provide peace of mind for you and your loved ones in the event of your death
• Wellhub - access to a range of free and paid options for health and wellness
• Up to 2 days of paid volunteering a year

We forge our own path at Nationwide. As a mutual, we're owned by our members - those customers who bank, save or have a mortgage with us. We challenge the financial sector status quo. We don't see customers as the engine of our own profit. We share our profits with them and put their needs first. Always there when they need us. Supporting them and their lives.

If you're inspired by fairer finances, passionate about making a meaningful impact, and truly care about our customers, you're one of us. At Nationwide, you are challenged to grow and rewarded for doing so. Valued. Recognised. Inspired to be your best. As a community, we want our working lives to count. As a team, we celebrate what we achieve. As a standard-setter, we work for the good of customers, communities, and broader society.

We are purpose-driven. Uncompromisingly customer. Unstoppably Nationwide.

What you'll be doing:

• You will undertake complex fraud investigations to ensure customers are treated fairly and outcomes are evidence-based, supporting Nationwide's focus on delivering strong customer outcomes and maintaining trust.
• You'll work across teams to gather evidence, challenge assumptions and build a clear understanding of events, ensuring every decision is grounded in facts and aligned to both regulatory expectations and customer fairness.
• You will translate investigation findings into clear insight, identifying root causes and control weaknesses to support improvements across the control environment and reduce future risk exposure and customer harm at the earliest opportunity.
• You will also contribute to governance by producing structured written outputs that support risk reporting and decision-making.
• You will gather actionable intelligence and leads to engage with law enforcement and legal representatives, providing evidence in line with required evidential standards.
• You will remain aware of changes in fraud risk and the wider environment, ensuring emerging risks are identified and understood, and that investigation activity continues to align with regulatory expectations and Nationwide's commitment to doing business responsibly.

About you:

• Proven experience leading on complex fraud investigations supporting with delivering fair and well-reasoned customer outcomes
• Strong experience in interrogating and analysing application, payment, and telephony fraud detection systems
• Strong ability to conduct root cause analysis and assess control effectiveness
• Experience producing clear, structured written outputs that support risk reporting, governance forums and decision-making
• Proven ability to engage with law enforcement and legal representatives, preparing and presenting evidence in line with required evidential standards
• Good understanding of fraud risk in UK financial services, and how this supports risk identification and mitigation
• Demonstrated ability to work with business and risk stakeholders to ensure risks are understood, challenged and addressed appropriately
• Ability to apply regulatory and policy requirements consistently to ensure compliant and responsible outcomes
• Strong judgement in managing sensitive or high-risk matters, balancing customer impact, risk and regulatory expectations

Our customer first behaviours put customers and members at the heart of how we work together. They are the set of behaviours that every colleague needs to display, in every role:

• Feel what customers feel - We step into our customers' shoes, using their feedback and insights to empathise with them and to understand their needs, so that every decision we make starts and finishes with our customers in mind
• Say it straight - We are brave in speaking out and saying what we think - we're honest and direct with good intent, openly sharing diverse perspectives to reach the best conclusions and using language everyone can understand
• Push for better - We don't settle for mediocrity, we challenge the status quo, taking responsibility for continuous improvement and personal development
• Get it done - We prioritise what will have the greatest impact, we are decisive, and we take accountability for delivering brilliant customer outcomes

You can strengthen your application by showing how our customer first behaviours resonate with you, and where you may have already demonstrated these.