Senior Fraud Strategy Manager

About the role

The Senior Fraud Strategy Manager will own and evolve the fraud strategy across application and in-life fraud, balancing risk protection with commercial performance and customer experience. This role sits at the intersection of Risk, Product, Engineering, and Compliance, requiring the development of data-driven strategies to identify and prevent fraud at scale. The successful candidate will lead initiatives to optimize fraud controls while supporting financial crime compliance requirements.

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 a fast-growing European fintech company that launched in 2020 with a mission to create an empowering way to pay. The company has achieved double unicorn status, is valued at $2 billion, and serves over 6 million customers.