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For Companies At a Glance
- Tasks: Lead fraud operations, driving strategy and performance across teams in London and Manchester.
- Company: Join Zopa, a pioneering bank redefining finance with a people-first approach.
- Benefits: Flexible working, hybrid model, and the chance to work abroad for up to 120 days a year.
- Other info: Diverse workplace culture with opportunities for personal and professional growth.
- Why this job: Make a real impact in fraud prevention while leading a dynamic team in fintech.
- Qualifications: Proven experience in fraud operations and strong leadership skills in financial services.
The predicted salary is between 80000 - 100000 £ per year.
Our Story
Hello there. We’re Zopa. We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and we launched Zopa Bank. A bank that listens to what our customers don’t like about finance and does the opposite. We’re redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre — we’ve built a business that empowers everyone to aim high, every day, to move finance forward. We’re incredibly proud of our achievements and none of it would be possible without the amazing team here. It’s not just industry awards we’re winning, we’ve also been named in the top three UK’s Most Loved Workplaces.
If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you’ll thrive here at Zopa, so join us, and make it count.
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!
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.
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
Head of Fraud Operations in London employer: Zopa
Contact Detail:
Zopa Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Head of Fraud Operations in London
✨Tip Number 1
Network like a pro! Reach out to folks in the industry, especially those at Zopa. A friendly chat can open doors and give you insights that a job description just can't.
✨Tip Number 2
Prepare for the interview by diving deep into Zopa's values and mission. Show us how your experience aligns with our vision of redefining finance and protecting our customers.
✨Tip Number 3
Be ready to discuss your strategic thinking and operational performance. We want to hear about your past successes in fraud operations and how you can bring that expertise to our team.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets the attention it deserves. Plus, we love seeing candidates who are proactive!
We think you need these skills to ace Head of Fraud Operations in London
Some tips for your application 🫡
Show Your Passion for Finance: When writing your application, let your enthusiasm for redefining finance shine through. We want to see how you connect with our mission at Zopa and how your values align with ours.
Highlight Relevant Experience: Make sure to showcase your experience in fraud operations and financial services. We’re looking for specific examples of how you've tackled challenges in this area, so don’t hold back!
Be Clear and Concise: Keep your application straightforward and to the point. We appreciate clarity, so make sure your skills and achievements are easy to spot. Remember, less is often more!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands. Plus, it shows us you’re serious about joining the Zopa team!
How to prepare for a job interview at Zopa
✨Know Your Fraud Operations Inside Out
Before the interview, dive deep into the various fraud typologies mentioned in the job description, like APP scams and account takeover. Be ready to discuss your experience with these issues and how you've tackled them in the past.
✨Showcase Your Strategic Mindset
Zopa is looking for someone who can define and own strategies. Prepare examples of how you've set OKRs and driven operational performance in previous roles. Highlight your ability to align team goals with broader business objectives.
✨Demonstrate Your People Leadership Skills
As a senior leader, you'll need to inspire and develop your team. Think of specific instances where you've coached high-performing teams or handled complex situations. Be ready to discuss your approach to building a strong team culture.
✨Embrace AI and Automation
Zopa is keen on improving operations through AI and smarter processes. Familiarise yourself with current trends in fraud technology and be prepared to share your thoughts on how you would drive adoption of these innovations within the team.