B2B Fraud Specialist

Overview

In this role, you protect Zopa and customers from B2B fraud across partner channels, focusing on auto dealers and merchants. You’ll shape controls, monitor partner behavior, and influence risk decisions with cross-functional teams. You’ll work on end-to-end B2B risk, from onboarding to offboarding, leveraging data to drive practical actions. The role offers visibility on a multi-million-pound budget and the chance to impact both protection and growth. You’ll join a collaborative culture that values innovative approaches to risk.

Pay / Benefits

• Hybrid role
• London office 2–3 days a week
• Option to work from abroad up to 120 days a year
• Work-life balance
• Supportive culture
• Diversity and inclusion values

Responsibilities

• Investigate alerts and unusual partner activity using transaction data and context
• Build a clear risk picture and recommend proportionate next steps
• Collaborate with Account Management, Fraud Operations and analysts to test concerns and decide actions
• Support enhanced due diligence, changes to trading terms, and additional controls or offboarding
• Design, document and improve partner risk assessment and monitoring processes
• Use dashboards to identify patterns and turn insights into action
• Contribute to management information for senior stakeholders
• Partner with Technology, Data and external providers to improve tools and data sources for checks
• Balance customer protection with commercial growth across a multi-million-pound portfolio
• Stay updated on B2B fraud trends and share learnings across teams

Key requirements

• Experience of fraud risk in payments, merchant processing, asset finance or similar B2B environment
• Experience as fraud underwriter, strategy manager, analyst or second-line policy specialist
• Strong investigative skills and ability to assess multiple information sources
• Confidence using Tableau dashboards to investigate trends
• Ability to explain fraud risk clearly to technical and non-technical stakeholders
• Curiosity, sound judgement and practical approach to investigations
• Comfort working in a fast-moving environment with shifting priorities

• Curiosity
• Judgement
• Practicality
• Tableau
• SQL (bonus)
• Designing fraud controls and monitoring rules

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