Head of Fraud, Capital on Tap
Credit card built for small businesses
Open for applications
Credit card built for small businesses
201-500 employees
Open for applications
201-500 employees
Company mission
To make the lives of small business owners easier.
Role
Who you are
- Proven fraud experience in a senior role, ideally working across multiple fraud types and jurisdictions
- Strong knowledge of relevant fraud typologies and experience in designing and delivering fraud prevention strategies end to end
- Customer-centric approach to fraud prevention, balancing the needs of a fast-growing customer base against the need to protect the business
- Experience in a quantitative role with exposure to analysing large datasets and explaining complex ideas in a simple manner
- Experience using SQL and data visualisation tools such as Looker to extract and analyse data and drive fraud strategy changes
- Experience with Python/R/SAS to build predictive models is highly desirable
- Experience working with third party fraud vendors and with building rules in a decision engine tool
- Able to work autonomously in a fast-moving, rapidly changing environment, producing relevant insightful MI for senior management and stakeholders across the business
- Able to come to the office 3 days a week. We're looking for this role to be 3 days a week in office and 2 days a week from home
What the job involves
- This is an exciting opportunity to take full ownership of a critical area of our business
- You will have scope to redesign existing processes and rules as well as shaping our future fraud prevention strategies
- We need a data-driven fraud leader who is excited about figuring out new fraud controls and directly impacting our profitability as we move at pace adding new features and expanding in the UK and US
- Leading and developing our global strategy to help protect customers from fraud and reduce fraud losses across the business
- Leading the fraud team in tackling all aspects of fraud across all channels, including card fraud, 1st party fraud, application fraud, account takeover fraud and internal fraud
- A strong people leader building a motivated and highly effective team
- Working with key stakeholders internally & externally to build our defences, while seeking the right balance between fraud prevention and customer experience
- Own the Anti-Fraud Policy globally and leverage your existing community across the industry or in fraud forums to ensure we maintain best in class fraud defences
- Designing and implementing changes to vendors, systems and processes to reduce fraud risk as we improve our product and offer new features to customers
- Thinking operationally to improve policies and procedures as the business scales as well as owning analytics and rule management across multiple internal and third party systems
- Ensuring fraud cases are externally reported through the correct channels and liaise with law enforcement as required on investigations
- Understanding of modelling and machine learning techniques. Strong technical abilities in SQL and data visualisation tools
Application process
- If you want to progress your career within a fast growing, profitable fintech then click apply (all we ask for is your CV and contact details) and we will get back to you within 3 working days
Salary benchmarks
Our take
Capital on Tap is going against the national trend which, since the financial crash in 2008, has seen the banks dial back the amount they lend to SMEs by 50%. Yet, in that same time, the number of UK SMEs has risen by 30%.
UK SMEs are the backbone of a complex economy that is constantly changing so the need for fast and responsive access to finance is becoming more and more important to ensure their success and growth.
Capital on Tap allows British SMEs access to a credit card with up to £250,000 credit within minutes. Gone are the days when waiting up to eight weeks for a loan decision was viable.
Capital on Tap have raised considerable funding and expanded to the US. The company have reported to have attracted more than 200,000 SMEs to use its services and these users have spent over £10 billlion.
Steph
Company Specialist
Insights
Some candidates hear
back within 2 weeks
38% female employees
20% employee growth in 12 months
Company
Employee endorsements
Opportunities to learn
"When I started I came from s slightly different tech stack so there were plenty of opportunities to learn new stuff. The company has many internal..."
Funding (1 round)
Oct 2021
$597.7m
LATE VC
Total funding: $597.7m
Company 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 & 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
Company values
- Just pilot: Our company is built on piloting new ideas, we know our job is never done. We ask questions, we figure it out. We only build what our customers want
- Be a Buddy: It’s never not my job. Tap in from day one. We do the right thing
- Why not today?: Fast is as slow as we go. Take ownership and raise the bar. Keep things simple
Company HQ
London, UK
Articles
Leadership
David Luck
(Founder & Executive Chairman)Started as a consultant at Bain. After 3 years, they joined leading private equity firm KKR for 4 years before starting Capital on Tap.
George Karibian
(Founder)Serial founder, having sold two businesses to private equity companies in the past (XLN Telecom and Euroffice).
Damian Brychcy
(CEO)Previously co-founded Colossus where they served as CEO. Also served as an Attorney at Kilpatrick Townsend & Stockton.
People progressing
Started in Operational Support. 11 years later, Zoe is now Director of Operations.
Diversity, Equity & Inclusion at Capital on Tap
Fay Sumner (Head of Talent)
- At Capital on Tap, we want to be a place where a diverse mix of talented people want to come and do their best work but most importantly feel included and be their authentic selves. We are fully focused on equality and believe deeply in diversity of race, gender, sexual orientation, religion, ethnicity, ability, national origin and all the other characteristics that make us who we are.
- We have put a lot of time into developing an inclusive recruitment strategy to ensure our hiring practices are as inclusive as possible. All hiring managers have attended inclusive recruitment training and we have introduced objective skills testing.
- When speaking to teams across the company, the majority of teams felt that we are a diverse community with a huge mix of backgrounds and many people commented it was the most diverse place they’ve worked.
- Over the last year, we have started to share our own stories and experiences. Groups across the company commented how much they have enjoyed learning from each other and educating ourselves on different areas of diversity. They also felt these talks and discussions bridge the gap between different offices and teams.
- We have celebrated and recognised pride weeks, we spent the week highlighting the culture of South Asian heritage month and have also learnt about Black History in both the US and UK and LGBTQ+ History across the world through film and book discussions.
- We have reflected on our own mental health and how to support ourselves and others. Senior leaders have spoken openly about their experiences and struggles, embedding a culture where it’s ok to speak up if or when you need support. We partnered with That Day mental health support for our UK employees so that everyone is able to access the support and help when they need it.
- Rolled out inclusive management training to all managers on how to run an inclusive and purposeful 1-on-1 and how to create belonging in distributed teams. We have recently rolled out Management on Tap training sessions with the aim to support our managers to feel confident to support their team in the best way possible.
- These commitments are just a snippet of what we have done so far and something that we regularly visit and discuss within Capital on Tap as we know our job is never done. We continuously challenge ourselves to ensure we are taking the right approach, to ensure that we are and continue to be a diverse and inclusive place to work.
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