Head of Fraud Prevention

Head of Fraud Prevention – Curve Curve was founded with a rebellious spirit and a lofty vision: to truly simplify your finances so you can focus on what matters most in life. We help you control your financial life, so you can go out and live the life you want. With Curve you can spend from all your accounts, track spend behaviour and provide insights, and security to protect you from fraud. We’re developing a ground‑breaking product with our customers at the core. Our user base is growing rapidly and we have exceptional metrics. We have funding from the leading names in tech investment, and a visionary leadership team who want everyone who joins this remarkable adventure to have the autonomy to masterfully develop their expertise. Role Purpose The Payments and FinCrime team plays a pivotal role in defending the company and customers from financial crime while striking a delicate balance with the rapid scaling of our business. This role is responsible for everything Fraud Prevention. You will work closely with key stakeholders in Risk and Compliance, Product and Engineering, Finance, Data and other functional areas to ensure we meet our goals and find the perfect balance between mitigating fraud and delivering a delightful customer experience. This role is well suited to a leader who can develop the team and individuals at key moments in their career, while driving and influencing capabilities across our organisational matrix. What You’ll Be Doing Create and maintain a Fraud Prevention and Transaction Monitoring framework Formalise the ongoing management and creation of rules that enable proactive Fraud Mitigation and Transaction Monitoring, as well as preventing fraudsters from onboarding the system in the first place Build and maintain a continuous KYC / CDD programme utilising technology to support volumes and ensure efficiency Oversee operations and strategy for fraud prevention, taking ownership of relevant KPIs and leading the organisation to achieve its goals with direct contribution to the P&L Manage and coach the team, providing consistent feedback and training Work closely with internal stakeholders such as Risk and Compliance, Product and Engineering teams, and the Data department to ensure effective implementation of fraud controls Lead relationships with external vendors and own your budget for both staff and non‑staff costs Provide regular reporting to senior management on the status of fraud prevention efforts What You’ll Bring 8+ years of experience as a hands‑on Fraud Analyst (or similar role) within Payments or FinTech, including at least 3 years leading a team of Fraud Ops or Analysts Proven experience in creating fraud mitigation strategies, policies and procedures, as well as implementing and optimising existing frameworks Strong working knowledge of fraud typologies (payment fraud, ID fraud) and key regulations Proven experience designing and implementing fraud rules and velocity checks Hands‑on experience with fraud data analysis, alerting, and automation – if you’re not comfortable with advanced SQL, this role isn’t for you Experience with fraud detection systems, transaction monitoring tools, and behavioural analytics Proven experience building KYC workflows and identifying fraudulent accounts at onboarding, not just in transaction monitoring Comfortable leading, training, and guiding a team, while monitoring performance and reducing overturn fraud and false positives Bonus points if you’ve worked on in‑house ML models (especially if you helped design or build such capabilities), or if you have experience writing code or scripts in Python What Success Looks Like Here A scalable and effective Fraud Prevention framework that evolves with the business Reduced fraud losses and false positives through intelligent detection and prevention strategies A motivated, high‑performing Fraud Ops team that continuously develops and grows Strong, trusted relationships with internal and external stakeholders — driving collaboration across Risk, Product, Data and Compliance Transparent and proactive reporting to senior leadership, supporting informed business decisions Continuous innovation in fraud detection and mitigation through automation, analytics and data‑driven insights Benefits 25 days plus bank holidays Bonus days off for Learning & Development, Mental Wellbeing, Birthday, Moving House & Christmas Working abroad policy (up to 60 calendar days per year) Bupa Health Insurance (YuLife) Life insurance powered by AIG (5x Annual Salary) Pension Scheme powered by “People’s Pension” EAP (Mental health & wellbeing support, Life coach, Career coach) 24/7 GP access (Smart Health via YuLife) Annual subscriptions to Meditopia & FIIT for your mind and body (via YuLife) Discounted shopping vouchers (via YuLife) Enhanced parental leave Ride to work scheme & Season ticket loan Electric car scheme Six nights of Night Nanny for new parents Free Curve subscription for you and your +1 A note from us We know that great candidates don’t always tick every single box. If this role excites you and you think you’d be a great fit, we want to hear from you. We design our hiring process to be fair, inclusive, and practical. If you ever need adjustments or feel there’s a way we can improve – we’re all ears. Requirements This role will be required to attend our London (Paddington) office, 3 days per week (minimum) The successful candidate will require full working rights in the United Kingdom without the need for visa sponsorship #J-18808-Ljbffr