Find a job 
Featured Companies 
Featured Universities 
For Companies At a Glance
- Tasks: Lead fraud operations, driving strategy and performance while managing teams across London and Manchester.
- Company: Join Zopa, a forward-thinking fintech focused on innovation and customer protection.
- Benefits: Enjoy flexible working, a hybrid model, and the chance to work abroad for up to 120 days a year.
- Other info: Be part of a diverse team that values collaboration and work-life balance.
- Why this job: Make a real impact in fraud prevention using AI and smarter processes.
- Qualifications: Proven experience in fraud operations leadership within financial services or fintech.
The predicted salary is between 80000 - 100000 £ per year.
At Zopa, we’re building a Fraud and Financial Crime Tribe focused on protecting the bank and our customers across the full customer lifecycle. Bringing together Product, Strategy and Operations under one roof, the tribe is reshaping fraud operations through smarter processes, AI and automation. This role leads the Fraud Operations function across London and Manchester, overseeing teams handling APP scams, account takeover, impersonation fraud, transaction fraud and disputes. It’s a senior leadership role combining strategic ownership, operational performance, regulatory accountability and people leadership.
A day in the life:
- Define and own the strategy and OKRs for Fraud Operations, aligning to tribe and wider Zopa goals
- Lead operational performance across the function, owning SLAs, quality, customer outcomes and operational resilience
- Own the Fraud Ops budget, balancing service quality, efficiency and cost
- Use MI, KRIs and operational insight to improve performance and strengthen controls
- Drive adoption of AI and automation across the function
- Act as the escalation point for complex or high-value fraud cases
- Represent the function at senior forums, influencing priorities across Product, Engineering, Risk and Compliance
- Ensure processes, procedures and training remain aligned to regulatory requirements and audit expectations
- Recruit, coach and develop high performing fraud leaders and specialists
About you:
- Experienced fraud operations leader with a strong track record managing large teams within financial services or fintech
- Deep expertise across retail banking fraud typologies including APP scams, account takeover and transaction fraud
- Strong strategic and operational leader with experience owning OKRs, budgets and operational performance
- Strong understanding of fraud risk, controls, governance and regulatory obligations
- Credible escalation point for complex or ambiguous fraud cases
- Passionate about improving operations through AI, automation and smarter ways of working
- Strong stakeholder operator who can influence senior leaders and drive cross functional alignment
- Strong people leader who builds high performing teams through coaching and accountability
Added bonus:
- Experience within digital banking or fast growth fintech environments
- Exposure to current accounts, lending or credit card fraud operations
- Experience working closely with Product and Engineering teams
- Familiarity with SAR governance and financial crime escalation processes
At Zopa we value flexible ways of working. We value face‑to‑face collaboration and a good work‑life balance. This hybrid role requires you to come to our London office 2‑3 days a week. You’ll also have the option of working from abroad for up to 120 days a year! *Subject to having the right to work in the country of choice
Diversity Statement: Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments.
Head of Fraud Operations employer: Zopa Bank Limited
Contact Detail:
Zopa Bank Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Head of Fraud Operations
✨Tip Number 1
Network like a pro! Reach out to your connections in the fintech and financial services space. Attend industry events or webinars where you can meet people from Zopa or similar companies. A friendly chat can sometimes lead to job opportunities that aren’t even advertised!
✨Tip Number 2
Show off your expertise! Prepare to discuss your experience with fraud operations in detail. Think about specific examples where you've improved processes or led teams effectively. This will help you stand out during interviews and show that you’re the right fit for the role.
✨Tip Number 3
Get familiar with Zopa’s culture and values. Research their approach to fraud operations and how they integrate AI and automation. When you know what they care about, you can tailor your conversations to align with their goals, making you a more attractive candidate.
✨Tip Number 4
Don’t forget to 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 joining the Zopa team. Let’s get you that dream job!
We think you need these skills to ace Head of Fraud Operations
Some tips for your application 🫡
Tailor Your CV: Make sure your CV speaks directly to the role of Head of Fraud Operations. Highlight your experience in managing fraud operations, especially in financial services or fintech. We want to see how your skills align with our goals at Zopa!
Showcase Your Leadership Skills: This role is all about leading teams and driving performance. Use your application to demonstrate your people leadership experience and how you've successfully coached high-performing teams in the past. We love seeing examples of your strategic ownership!
Be Data-Driven: Since this position involves operational performance and budget management, include any relevant metrics or achievements that showcase your ability to use data to drive results. We’re keen on seeing how you’ve improved processes through insights!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates. Plus, we love seeing candidates who take that extra step!
How to prepare for a job interview at Zopa Bank Limited
✨Know Your Fraud Landscape
Before the interview, brush up on the latest trends in fraud operations, especially within financial services and fintech. Familiarise yourself with APP scams, account takeovers, and transaction fraud. This knowledge will help you demonstrate your expertise and show that you're genuinely interested in the role.
✨Align with Zopa's Goals
Understand Zopa's mission and how the Fraud Operations function fits into their overall strategy. Be prepared to discuss how you would define and own the strategy and OKRs for the team, ensuring they align with the wider goals of the bank. This shows that you’re not just a leader but a strategic thinker.
✨Showcase Your People Leadership Skills
As a senior leader, your ability to recruit, coach, and develop high-performing teams is crucial. Prepare examples of how you've built strong teams in the past, focusing on coaching and accountability. Highlight your approach to fostering a collaborative environment, which is key at Zopa.
✨Be Ready for Complex Scenarios
Expect to discuss complex or high-value fraud cases during the interview. Think of specific examples from your experience where you acted as an escalation point. This will showcase your problem-solving skills and your ability to handle ambiguity, which is essential for this role.