Head of Fraud Prevention

DescriptionThis job is brought to you by Jobs/Redefined, the UK's leading over-50s age inclusive jobs board.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.That's why Curve puts your finances simply at your fingertips, so you can make smart choices on how to spend, send, see and save your money. We help you control your financial life, so you can go out and live the life you want to live.With Curve you can spend from all your accounts, track spend behaviour and provide insights, and security to protect you from fraud. For the first time giving you bright insights and control of all your money in one beautiful place.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 wants everyone who joins this remarkable adventure, to have the autonomy to masterfully develop their expertise.Welcome to Curve. On a mission to help you live inspired.Role PurposeThe Payments & 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 doingCreate and maintain a Fraud Prevention and Transaction Monitoring frameworkFormalise 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 placeBuild and maintain a continuous KYC / CDD programme utilising technology to support volumes and ensure efficiencyOversee 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&LManage and coach the team, providing consistent feedback and trainingWork closely with internal stakeholders such as Risk and Compliance, Product and Engineering teams, and the Data department to ensure effective implementation of fraud controlsLead relationships with external vendors and own your budget for both staff and non-staff costsProvide regular reporting to senior management on the status of fraud prevention effortsWhat you'll bring8+ 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 AnalystsProven experience in creating fraud mitigation strategies, policies and procedures, as well as implementing and optimising existing frameworksStrong working knowledge of fraud typologies (payment fraud, ID fraud) and key regulationsProven experience designing and implementing fraud rules and velocity checksHands-on experience with fraud data analysis, alerting, and automation - if you're not comfortable with advanced SQL, this role isn't for youExperience with fraud detection systems, transaction monitoring tools, and behavioral analyticsProven experience building KYC workflows and identifying fraudulent accounts at onboarding, not just in transaction monitoringComfortable leading, training, and guiding a team, while monitoring performance and reducing overturn fraud and false positivesBonus 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 PythonWhat success looks like hereA scalable and effective Fraud Prevention framework that evolves with the businessReduced fraud losses and false positives through intelligent detection and prevention strategiesA motivated, high-performing Fraud Ops team that continuously develops and growsStrong, trusted relationships with internal and external stakeholders - driving collaboration across Risk, Product, Data and ComplianceTransparent and proactive reporting to senior leadership, supporting informed business decisionsContinuous innovation in fraud detection and mitigation through automation, analytics and data-driven insightsBenefits25 days plus bank holidaysBonus days off for Learning & Development, Mental Wellbeing, Birthday, Moving House & ChristmasWorking 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 leaveRide to work scheme & Season ticket loanElectric car schemeSix nights of Night Nanny for new parentsFree Curve subscription for you and your +1A note from usWe 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. #J-18808-Ljbffr