Wait, What Do You Do?

<div class="content-intro">We’re Capital on Tap 👋 💳 Capital on Tap started because small businesses were underserved. Big banks were slow, their products weren't fit for purpose, and small business owners often couldn't access what they needed. We set out to fix that. Today we're a financial platform - not just a credit card company. We offer a best-in-class business credit card, SME-focused spend management platform, a savings product that hit £1 billion in funds within its first year, and a growing suite of tools and financial products that make running a small business easier.  1,000+ employees, £20bn in annual card spend, 200,000+ customers, 17,000+ Trustpilot reviews averaging 4.7 stars, and we're profitable. We’ve done a pretty good job so far, but we’re just getting started! </div>🏢This is a Hybrid role in our London (EC1Y 8LZ) Offices 3 days per week. What You’ll Be Doing We're looking for a Senior Fraud Data Analyst to join our Fraud team. This is a hands-on, high-ownership role - you'll take direct responsibility for our fraud systems end-to-end, from onboarding fraud through to card fraud, and play a central part in building the capabilities we need as we launch new products. <ul> <li class="whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Write complex SQL queries to interrogate transaction and customer data, identify fraud signals, and surface emerging attack patterns.</li> <li class="whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Design and build fraud detection rules from scratch, set thresholds based on data, and iterate based on live performance.</li> <li class="whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Own rules end-to-end. You spot the pattern, you build the detection, you monitor the outcome.</li> <li class="whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Work across card and lending data to understand how our customers behave and where fraud risk sits in our specific product set.</li> <li class="whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Contribute to fraud strategy as the team grows, including input into ML-based detection further down the line.</li> </ul>   We’re Looking For 🔎 <ul> <li class="whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">A strong data analyst background in a fintech or digital lending environment. You know what SMB or consumer transaction data looks like and you're comfortable. working with messy, high-volume datasets.</li> <li class="whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">SQL you can actually use. CTEs, window functions, the difference between WHERE and HAVING. You'll be tested on this at case study stage.</li> <li class="whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">A genuine builder instinct. You don't wait to be told there's a problem. You find it in the data and you fix it.</li> <li class="whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Experience working end-to-end on analytical problems. Not handing logic to a tech team. You own it through to deployment.</li> <li class="whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Comfortable in a small, fast-moving team where the answer isn't always obvious and you have to work it out yourself.</li> </ul> Nice to have <ul> <li class="whitespace-normal break-words pl-2" style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Direct experience working in card fraud - ideally within a bank, card issuer, or fintech operating on the issuing side.</li> <li class="whitespace-normal break-words pl-2" style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Hands-on familiarity with card fraud systems and the data that comes with them (Visa fraud platforms, CNP fraud, 3DS/SCA, PSD2 compliance)</li> <li class="whitespace-normal break-words pl-2" style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Experience with APP fraud or faster payment fraud systems is a strong bonus. </li> </ul> Diversity & Inclusion 🌈 We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work. Great Work Deserves Great Perks We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits: 🏥 Private Healthcare including dental and opticians services through Vitality ✈️ Worldwide travel insurance through Vitality 🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical) 👛 Salary Sacrifice Pension Scheme up to 7% match 🏖️ 28 days holiday (plus bank holidays) 📖 Annual Learning and Wellbeing Budget 👪 Enhanced Parental Leave 🚲 Cycle to Work Scheme 🚂 Season Ticket Loan 💬 6 free therapy sessions per year 🐶 Dog Friendly Offices 🍫 Free drinks and snacks in our offices Check out more of our benefits, values and mission<a href="https://www.capitalontap.com/en/company/careers/"> here</a>.<div class="content-conclusion">Other Info 👍Check out our <a href="https://www.capitalontap.com/en/blog/posts/acing-your-interviews-with-capital-on-tap/">‘Top Tips’ for interviewing.</a> ✔️Keep updated on new job opportunities by following us on <a href="https://www.linkedin.com/company/capital-on-tap">Linkedin</a>. 📧Email <a href="mailto:careers@capitalontap.com">careers@capitalontap.com</a> if you have any questions. Excited to work here? Apply! If you’d like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.)</div>

Senior Card Fraud Risk Analyst