At a Glance
- Tasks: Lead fraud operations, manage teams, and drive strategic initiatives across London and Manchester.
- Company: Join Zopa, a forward-thinking fintech with a commitment to diversity and innovation.
- Benefits: Flexible working, hybrid model, and the chance to work abroad for up to 120 days a year.
- Other info: Collaborative culture with opportunities for professional growth and development.
- Why this job: Make a real impact in fraud prevention while leading a dynamic team in a growing company.
- Qualifications: Proven experience in fraud operations and strong leadership skills in financial services.
The predicted salary is between 80000 - 100000 € per year.
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 is a senior leadership position that combines 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 will also have the option of working from abroad for up to 120 days a year! But no matter where you are, we’ll make sure you’ve got everything you need to thrive, both in your work and home life, from day one. 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 in London employer: Zopa Bank
At Zopa, we pride ourselves on being an exceptional employer, particularly for the Head of Fraud Operations role based in London. Our commitment to flexible working arrangements, including the option to work from abroad for up to 120 days a year, ensures a healthy work-life balance while fostering a collaborative and innovative culture. With a strong focus on employee development, diversity, and the integration of cutting-edge technology like AI, we empower our leaders to drive meaningful change and achieve their professional goals in a supportive environment.
StudySmarter Expert Advice🤫
We think this is how you could land Head of Fraud Operations in London
✨Network Like a Pro
Get out there and connect with folks in the industry! Attend events, join online forums, and don’t be shy about reaching out on LinkedIn. We all know that sometimes it’s not just what you know, but who you know that can help you land that dream job.
✨Show Off Your Skills
When you get the chance to chat with potential employers, make sure to highlight your experience with fraud operations and your strategic mindset. We want to see how you’ve tackled challenges in the past and how you can bring that expertise to the table at Zopa.
✨Prepare for the Interview
Do your homework before the interview! Understand Zopa’s goals and how your experience aligns with their needs. We love candidates who can speak to our values and show they’re ready to contribute to our mission right from day one.
✨Apply Through Our Website
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, we’re always on the lookout for passionate individuals who are eager to join our diverse team at Zopa.
We think you need these skills to ace Head of Fraud Operations in London
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 with fraud typologies and operational leadership, and don’t forget to mention any relevant achievements that align with our goals at Zopa.
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to tell us why you’re passionate about fraud operations and how your strategic vision aligns with our mission. Be sure to mention your experience in leading teams and driving performance.
Showcase Your Leadership Style:We want to know how you lead! In your application, share examples of how you've built high-performing teams and influenced stakeholders. This will help us see how you can fit into our culture at Zopa.
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 opportunity. We can’t wait to hear from you!
How to prepare for a job interview at Zopa Bank
✨Know Your Fraud Landscape
Before the interview, brush up on the latest trends in fraud operations, especially around APP scams and account takeovers. Being able to discuss current challenges and solutions will show your deep expertise and strategic thinking.
✨Showcase Your Leadership Style
Prepare examples of how you've successfully led teams in high-pressure environments. Highlight your experience in coaching and developing talent, as well as how you’ve driven operational performance and accountability within your teams.
✨Align with Company Goals
Familiarise yourself with Zopa's mission and values. Be ready to discuss how your vision for the Fraud Operations function aligns with their goals, particularly in terms of using AI and automation to enhance efficiency and service quality.
✨Prepare for Stakeholder Engagement
Think about how you would approach influencing senior leaders and cross-functional teams. Prepare to share specific instances where you've successfully navigated complex stakeholder relationships, as this role requires strong collaboration across various departments.
