Senior Fraud Strategy Manager

About the role

This role involves owning the overall fraud strategy at a fast-growing fintech, balancing risk protection with commercial performance and customer experience. The successful candidate will design and evolve strategies for application and in-life fraud while collaborating with Product, Engineering, and Compliance teams to implement effective, data-driven controls.

Responsibilities

• Own and evolve Zilch’s fraud strategy across application fraud and in-life fraud, balancing protection, customer experience, and commercial performance
• Design, optimise, and monitor fraud controls across the customer lifecycle, ensuring strategies are effective, scalable, and proportionate
• Develop a deep understanding of fraud trends, customer behaviour, and operational outcomes, using this insight to inform strategy and prioritisation
• Partner closely with Fraud Operations to understand fraud typologies, operational pain points, manual review outcomes, and opportunities for improvement
• Work with Product, Engineering, and Data teams to develop and implement fraud prevention measures, decisioning rules, and automated controls
• Monitor fraud performance and key metrics, identifying emerging risks and taking action to improve outcomes
• Optimise the balance between fraud prevention and customer journey, reducing unnecessary friction for genuine customers wherever possible
• Own the strategy design and delivery of key compliance controls, including KYC, PEP, and sanctions screening, in line with requirements set by the Compliance team

Required skills

• Fraud strategy
• Fraud risk
• Financial crime
• Customer risk management
• Application fraud
• In-life fraud
• KYC
• PEP
• Sanctions
• Data analysis

Benefits

• Pension scheme
• Death in Service scheme
• Income Protection
• Share Options Scheme
• 5% back on in-app purchases
• £200 for WFH Setup
• Private Medical Insurance
• Employee Assistance Programme
• Enhanced maternity pay
• Enhanced paternity pay

About the Company

Zilch is one of Europe's fastest-growing fintech companies, launched in 2020 with a mission to create the world's most empowering way to pay. The company has achieved double unicorn status, is valued at $2 billion, and serves more than 6 million customers.