Fraud Manager - Germany

Fraud Manager - GermanyHybrid in LondonAbout UsAt iwoca, we're creating an ecosystem where small businesses can flourish. We believe that small enterprises are not mere statistics – they are vital components of our communities, the essence of our high streets, and the driving force of our economy. Since our inception in 2012, we have transformed the way these businesses access financing, streamlining a previously cumbersome and frustrating process into a seamless journey: fast, flexible funding that caters to the needs of modern businesses.Our achievements are evident: we've disbursed billions in funding to over 150,000 businesses throughout Europe, solidifying our position as one of the continent's foremost fintech trailblazers. But our journey is only beginning. Our goal? To empower one million businesses with the financial tools they truly deserve.The TeamThe DE Compliance team is an independent group of experts committed to ensuring iwoca remains a secure and reliable partner for German SMEs. This team operates at the crossroads of technology and risk management, working in close collaboration with Tech, Operations, and Risk Management to develop robust fraud detection systems. In an agile environment, the team regularly convenes to share insights on emerging fraud trends and collaborates on cross-functional projects to proactively address evolving threats.Role OverviewAs a Fraud Manager, you will play a pivotal role in shaping the security and integrity of our digital lending products. You will have the autonomy to identify emerging risks and the influence to implement both technical and strategic solutions to mitigate them.Your Impact:Identify and assess emerging fraud scenarios, including impersonation, social engineering, and account takeovers (ATO).Develop and adjust the fraud strategy tailored for the German digital lending market, ensuring an optimal balance between risk management and conversion rates.Design effective verification processes that safeguard the business while minimizing friction for our customers.Innovation & Collaboration:Collaborate with Tech and Data teams to deploy automated detection mechanisms, leveraging machine learning models and rule-based systems.Lead the selection and implementation of innovative technologies to enhance the fraud prevention toolkit.Create and conduct training programs to elevate fraud awareness across the organization and with our external partners.

About ZegoZego is revolutionizing the motor insurance industry by empowering responsible drivers. Since our inception in 2016, we have made it our mission to simplify and lower the cost of insurance for good drivers. Our diverse clientele ranges from van drivers and gig workers to everyday motorists, all of whom are at the core of our operations. With tens of millions of policies sold and over $200 million raised in funding, our accolades include the prestigious Insurance Claims Team Of The Year 2024 from The Insurance Post's Claims & Fraud Awards. And we’re just getting started.Your RoleWe are seeking a dynamic and detail-oriented Fraud Claims Handler to enhance our Counter-Fraud team. In this pivotal position, you will analyze intricate claims networks, tackling organized fraud rings and professional enablers. Your aim will be to thwart fraudulent activities that threaten our financial stability, ensuring that Zego remains a deterrent to fraudsters while safeguarding our legitimate customers.Utilizing cutting-edge technologies, industry-standard tools, and reliable data sources, you will make informed decisions that protect both our clients and the company.Key ResponsibilitiesManagement of Organized Fraud & Complex CasesOversee a portfolio of complex organized fraud motor claims, particularly focusing on multi-vehicle incidents, staged accidents, and 'slam-on' claims.Conduct thorough investigations into Personal Injury claims, scrutinizing causation and identifying any fictitious occupants or pre-existing conditions.Challenge Credit Hire claims effectively, assessing necessity, duration, and rates, with a focus on organized fraud networks.Formulate and implement strategies for cases involving professional enablers.Map connections between claims to identify cross-claims fraud syndicates.Promote commercial sustainability by identifying and mitigating high-value indemnity losses from organized fraud, ensuring cost savings contribute directly to Zego's competitive pricing.Qualifications for SuccessFraud & Technical ExpertiseA proven background in managing organized fraud, injury, and credit hire claims, with a history of dismantling fraud networks.Strong commercial insight, balancing thorough fraud investigations with customer experience considerations.Understanding the importance of effective fraud detection in protecting both the firm and its clientele.

Join Shawbrook Bank as a Senior Manager in Fraud Risk Management, where you will lead initiatives to identify and mitigate fraud risks across our operations. You will collaborate with cross-functional teams to enhance our risk management framework and ensure compliance with regulatory standards.Your expertise will drive the development of innovative strategies to protect our customers and the bank from emerging threats. If you are passionate about risk management and have a track record of implementing effective fraud prevention measures, we want to hear from you!

We are seeking a dynamic and strategic Product Manager specializing in Identity and Fraud to join our innovative team at Experian. In this role, you will lead the development and execution of product strategies that enhance our offerings in the identity verification and fraud prevention space. Your expertise will help us deliver exceptional value to our clients while ensuring the highest standards of security and compliance.

At Kriya, we revolutionize financial services with our innovative suite of tools that ensure businesses have seamless access to payments, credit, and working capital. Our solutions provide frictionless integrations and immediate credit decisions, empowering companies to thrive.Since our inception in 2011, we have successfully facilitated over £28 billion in B2B payments and granted more than £3.7 billion in credit through our business loans and working capital solutions. We pride ourselves on our extensive network of strategic partners, including Barclays Bank, Stripe, Halfords, and the British Business Bank, and continue to attract support from esteemed investors like Northzone, Barclays Bank, and Mouro Capital, a subsidiary of Santander Bank.About the PositionWe are in search of a dynamic and experienced Head of Risk to join our executive team, responsible for the comprehensive risk strategy and its implementation across the organization. This pivotal role reports directly to the CEO and holds significant visibility within the company.As the Head of Risk, you will spearhead the formulation and execution of Kriya’s enterprise-wide risk framework, collaborating closely with the Commercial, Product, Data, Finance, and Legal departments. You will manage the entire credit lifecycle—from analytics and underwriting to compliance and collections—while leading a high-performing risk team. Additionally, you will drive the integration of AI and advanced risk analytics within the risk function.This is an exceptional opportunity to influence the future of embedded finance and digital lending at a rapidly growing company.Key ResponsibilitiesFormulate and direct Kriya’s risk strategy across all business sectors, products, and geographical regions.Act as a primary advisor to the CEO and Board on risk appetite, governance, and portfolio management.Recruit, develop, and mentor a high-performing Risk team (initially comprising 8 members).Oversee collections strategies and recovery workflows, ensuring they are efficient and customer-focused.Qualifications7-10 years of experience in debt capital markets, structured finance, or corporate banking, with a proven track record in leading complex credit transactions.A degree in a STEM field, demonstrating strong analytical and decision-making skills.Located in London or willing to relocate to London.Experience in managing intricate underwriting and deal structuring processes.Exemplified leadership in various facets of risk management.Ability to construct and oversee diversified portfolios while maximizing risk-adjusted returns.Advanced analytical capabilities including financial modeling, large-data analysis, and critical credit evaluation.Strong communication and conflict resolution skills.Interest or experience in utilizing AI tools.

The RoleJoin us as a Principal Product Manager for our Transaction Fraud product area within the Risk Applications tribe. This is a pivotal individual contributor role where you will have significant commercial accountability, overseeing business outcomes in your domain, not merely focusing on delivery.You will collaborate within a dedicated squad alongside an engineering manager and engineers. As the PPM, you will be the senior partner in product decisions, owning customer requirements, competitive context, and commercial logic. Your engineering counterpart will manage architecture, sizing, and implementation. In Risk Apps, the PPM is responsible for setting the product specification.Transaction Fraud is a new initiative for ComplyAdvantage, strategically positioned at the intersection of our compliance intelligence capabilities—such as the intelligence graph, entity resolution, sanctions, and adverse media data—and real-time transaction decision-making. Your mission is to leverage this unique advantage to develop a product that stands out in the market.Operating within a structured product operating model with clear decision rights, you will translate the product vision set by the CPTO and the tribe-level roadmap established by the Product Director into actionable plans with measurable returns. Each squad represents a substantial investment, and you are expected to make informed product decisions that weigh the required investment against the commercial returns of specific product choices. If you have experience in organizations where product management is both disciplined and commercially accountable, you will thrive in this environment. If you seek a role with complete strategic autonomy and no governance framework, this position may not be suitable for you.What You Will DoOwn fraud as a product area with a GM mindset. Understand the competitive landscape, know the buyer, and be accountable for the product's commercial success. Frame decisions based on return on investment rather than just feature lists.Build for a specific market. Transaction fraud in financial institutions is distinct from generic fraud prevention. You must comprehend the relationship between transaction monitoring (regulatory obligation) and fraud detection (financial loss prevention), real-time decisioning requirements, the regulatory landscape (PSD2 SCA, APP fraud liability, UK reimbursement rules), and how our existing data assets provide differentiation. We require deep domain expertise, not generalists learning fraud on the job.Engage directly with customers and prospects. You will be the product voice in fraud discussions with customers...

At Trustpilot, we are on an exciting journey as a profitable, high-growth FTSE-250 company with a bold vision: to be the universal symbol of trust. We operate the largest independent consumer review platform globally, and while we've achieved significant milestones, there's much more exhilarating work ahead. Join us at the forefront of trust!We are in search of an inquisitive and analytical Fraud Detection Analyst to become part of our global Fraud & Investigations team. In this role, you will analyze data, identify trends, and formulate detection rules that play a crucial role in preventing fraud, thereby protecting consumers, businesses, and the integrity of our platform.You'll tackle complex and often ambiguous challenges in the dynamic landscape of online trust. If you are passionate about problem-solving, delving into data, and making a significant impact, this is your opportunity.Joining a collaborative and inquisitive team that values transparency, fairness, and humor, you will contribute to the broader Trust & Transparency team, driving change across the organization and helping us achieve our vision of being the online symbol of trust.Key Responsibilities:Analyze fraud patterns and develop a comprehensive understanding of fraudulent behavior on our platform using SQL, Google BigQuery, and Google Looker.Create rules based on your analysis to mitigate fraudulent activities across our platform.Investigate escalated cases related to potential misuse of our platform and support media, legal, and customer inquiries.Collaborate with data science experts to enhance our technological and procedural methods for identifying fraud.Work closely with engineering teams to improve internal tools and databases that bolster our fraud prevention efforts.Serve as a key resource for other departments by analyzing customer and reviewer behavior on the platform.Communicate findings from analyses and investigations to various stakeholders across the department and the wider company.Report directly to our Lead Fraud & Investigation Analyst.

Role overview The Growth Marketing Manager will drive Eucalyptus’s marketing strategy for the German market from the company’s London headquarters. This role centers on building brand presence and deepening customer engagement in Germany. Key responsibilities Design and lead marketing campaigns to boost brand awareness and connect with customers in Germany. Analyze data to measure campaign effectiveness and recommend improvements. Collaborate with teams across Eucalyptus to develop campaigns that speak directly to target audiences. Align marketing activities with broader company goals to support business growth. Location This position is based in London at Eucalyptus’s UK headquarters, with a focus on the German market.

Join Our Team at AirwallexAirwallex is a pioneering global payments and financial platform designed specifically for businesses that operate on a worldwide scale. Utilizing our innovative blend of proprietary technology and software solutions, we support over 200,000 enterprises globally—including notable names like Brex, Rippling, Navan, Qantas, and SHEIN—with seamless integration for managing business accounts, payments, spend management, treasury, and embedded finance on an international level.Founded in Melbourne, our organization consists of over 2,000 talented professionals across 26 international offices. With a valuation of US$8 billion and strong backing from industry leaders such as T. Rowe Price, Visa, Mastercard, and Sequoia, Airwallex is at the forefront of creating the future of global financial services. If you are prepared to embark on the most impactful journey of your career, we invite you to join us.What We ValueWe seek innovative builders who possess a founder-like spirit and are eager to create a meaningful impact. You should bring a wealth of relevant expertise, strong analytical skills, and a passion for our mission and operating principles. Your ability to act swiftly with sound judgment, coupled with an insatiable curiosity, will enable you to approach challenges from first principles, effectively balancing speed and thoroughness.We value humility and collaboration, turning innovative concepts into tangible products and ensuring execution from start to finish. Leverage AI to enhance your efficiency and expedite problem-solving. At Airwallex, you will confront intricate, high-stakes challenges alongside exceptional colleagues, while advancing your career in shaping the future of global banking.About the TeamThe Legal, Risk & Compliance (LRC) team at Airwallex is a dynamic group of legal and risk management experts dedicated to protecting the integrity of our operations. We foster a culture of compliance and ethical practices, ensuring responsible navigation of the global financial landscape. Our team offers specialized guidance and proactive support throughout the organization, focusing on identifying, mitigating, and managing legal and financial risks to facilitate sustainable growth.Key ResponsibilitiesAs the Senior Manager for Fraud Risk, you will act as a subject matter expert in fraud risk management within the Second Line of Defense risk team, reporting directly to the Director of Fraud Risk. You will lead initiatives aimed at identifying and mitigating fraud risks across our operations, ensuring robust compliance and integrity in our practices.

About Shift4 Shift4 (NYSE: FOUR) simplifies global payments for businesses across many industries, processing billions of transactions each year. Learn more at www.shift4.com. Role Overview The Fraud Associate monitors daily transaction activity and investigates potential fraud within the payments sector. This position focuses on analyzing data, identifying suspicious patterns, and helping to strengthen security protocols. The role works closely with merchants, card schemes (including Visa and Mastercard), and internal teams to reduce risk and manage chargebacks. What You Will Do Investigate suspicious transactions, merchants, and third-party activities on a daily basis. Analyze fraud trends using both internal BI tools and external fraud monitoring platforms to spot patterns and respond quickly. Work with internal teams and external partners to build and implement effective fraud detection strategies. Improve reporting, tools, and processes to prevent fraud and manage chargebacks, sharing insights to enhance security. Engage with merchants and partners to assess fraud risks and recommend next steps, providing guidance on compliance and fraud-related questions for SMB clients. Collaborate with card schemes (Visa, Mastercard, Amex, Discover) on program breaches, appeals, investigations, and reporting. Stay current on chargeback and fraud program requirements, ensuring compliance and proactive management. Work with the Risk team to identify and monitor high-risk merchants. Help improve tools and workflows by questioning outdated processes and suggesting enhancements. Location This position is based in London, England, United Kingdom.

Role Overview Capco is growing its Financial Crime Transformation practice and seeks a Managing Principal / Director based in London (hybrid). This permanent position sits within the Finance, Risk, Regulatory & Financial Crime area. The focus: shaping and delivering large-scale transformation projects in Anti-Money Laundering (AML), Sanctions, and Fraud. What You Will Do Lead end-to-end transformation programs for clients tackling AML, Sanctions, and Fraud challenges. Advise clients on regulatory compliance, including remediation efforts and responses to regulatory reviews such as s166. Design and roll out target operating models, controls, and technology solutions for financial crime prevention. Spot areas for innovation and cost efficiency within anti-financial crime and fraud operations. Build and maintain relationships with senior client stakeholders, supporting business development and expanding Capco’s offerings. About Capco’s Financial Crime Transformation Team This team works closely with clients to address complex and changing financial crime risks, helping organizations respond to regulatory demands and strengthen their defenses against financial crime.

Join our dynamic team at Duffel as a Fraud Analyst in London, where you will play a crucial role in identifying and preventing fraudulent activities. Your keen analytical skills will be essential in assessing risks and implementing effective strategies to safeguard our operations. If you are passionate about leveraging technology and data analysis to combat fraud, we want to hear from you!

Join ASOS as an Online Trading Manager focused on the German market, where you will play a pivotal role in driving our online sales strategies. Your expertise will help us optimize product listings and enhance customer experiences, ensuring our offerings resonate with the target audience.

Unlock Your Potential with Trust.For decades, the payment clearing process has remained stagnant. At ClearBank, we challenge the norm. We strive to revolutionize banking infrastructure to be faster, safer, more reliable, and accessible to all. Here, you can think innovatively and responsibly to discover optimal solutions.When you operate in a realm of inherent trust, it fosters safety. This safety empowers you to be courageous, to question conventions, to learn from failures, and to explore new possibilities. At ClearBank, trust is at the core of our operations. We are not merely expected to earn it; we are entrusted with it. This means addressing issues promptly, discerning good risks, and understanding that the ability to act does not always equate to the necessity to do so.Your Role Awaits You:Joining our Financial Crimes Operations Models Management team as a Blockchain & Fraud Models Analyst means taking ownership of developing and maintaining monitoring controls for blockchain-based products and analyzing fraudulent payment activities. Reporting to the Senior Manager of Models Management, you will play a key role in safeguarding our financial ecosystem.Key Responsibilities:Design and optimize robust rules and models for monitoring blockchain transactions and screening for fraudulent payments, ensuring comprehensive risk coverage and operational efficiency to support our products and clientele.Analyze blockchain and payment transaction behaviors to identify emerging typologies of financial crime, such as cross-chain activities, high-risk wallet exposures, and transaction velocity risks.Collaborate with data scientists, engineers, and compliance teams to enhance monitoring performance through improved rule logic, thresholds, and outputs.Oversee the effectiveness of monitoring rules and models, maintaining rule health metrics, dashboards, and performance reports.Conduct root cause analyses of monitoring incidents and model performance issues, recommending and implementing data-driven enhancements.Engage with the 1st and 2nd Line of Defence teams, as well as external vendors, to ensure monitoring controls are well-calibrated, documented, and aligned with risk appetites.Contribute to strategic initiatives aimed at enhancing the organization's financial crime strategies.

Join Wise as a Senior Fraud Product Analyst and play a pivotal role in safeguarding our customers while driving innovation in fraud prevention. You will leverage your analytical skills and product expertise to enhance our fraud detection capabilities, working closely with cross-functional teams to implement effective solutions.

Join us as a Fraud Analyst in London, where we are revolutionizing the travel industry.Are you passionate about data analysis and fraud prevention? At Duffel, we are committed to simplifying travel by enhancing payment systems and ensuring secure transactions for over 4 billion airline passengers.As a part of our dynamic London team, you will play a crucial role in identifying fraudulent activities, formulating detection rules, and collaborating with our engineering and data science teams.If you thrive on solving complex challenges and making a significant impact, this is your opportunity to contribute to the future of travel!

About the Role Marshmallow is looking for a Claims Fraud Investigator (Motor) to join the team in London. This role focuses on identifying and investigating suspicious activity within the motor insurance claims process. What You Will Do Review and investigate motor insurance claims flagged as potentially fraudulent Apply analytical skills to assess evidence and spot inconsistencies Help maintain a fair and transparent claims process by preventing fraud Work closely with colleagues to share findings and support ongoing investigations Location This position is based in London.

Join apron as a Founder Associate specializing in Financial Crime and Fraud. In this dynamic position, you will collaborate with our founding team to develop innovative solutions that tackle pressing challenges in the financial sector. Your insights will directly influence our strategic direction and operational effectiveness.

At Zopa, we're on a mission to reshape the financial landscape, and we need a Senior Fraud Analyst to join our dynamic Fraud Analytics team. In this pivotal role, you will leverage your analytical expertise and keen judgment to combat fraud, ensuring the safety of our customers and our business. You will independently conduct in-depth fraud analyses, support incident responses, and serve as a senior analytical resource within our team. Your contributions will directly influence real-time and strategic decision-making processes, propelling Zopa forward in our commitment to innovation in finance.

About UsAt Taptap Send, we are revolutionizing cross-border financial transactions for emerging markets. Our mission is to empower families, stimulate local economies, and redefine access to essential financial services for millions.Since our inception in 2019, we have transformed the landscape of money transfers, operating across six continents and serving both high-traffic and underserved remittance corridors. We have harnessed a significant transition from traditional banking to mobile solutions, delivering digital financial services to regions previously unreachable by conventional systems. Our next phase of growth will introduce a suite of services tailored to enhance financial accessibility for diaspora communities, including local card solutions and advanced savings and payments features.Our rapid expansion is fueled by premier investors and a commitment to blending real-world impact with pioneering fintech innovation.Founded by Harvard graduates and serial entrepreneurs who have established successful companies, including Segovia (acquired) and GiveDirectly (over $300M in revenue, recognized as the fastest-growing NGO worldwide).Supported by leading investors such as Spark Capital, Canaan Partners, Reid Hoffman, and Breyer Capital.Composed of top talents from renowned organizations like Bain, Google, McKinsey, Uber, Checkout, and Bolt — we prioritize agility, humility, and a deep commitment to our mission.A diverse global team of over 250 individuals representing more than 50 nationalities and speaking over 50 languages.Driven by our core values of ownership, impact, humility, and heart, which we embody in our actions, not just our words.