Senior Fraud and Disputes Manager

Capital on Tap is a financial platform focused on serving small businesses. We offer a best‑in‑class business credit card, SME‑focused spend management platform, a savings product that reached £1 billion in funds in its first year, and a growing suite of tools that make running a small business easier.

We have 1,000+ employees, £20 bn in annual card spend, 200,000+ customers, and 17,000+ Trustpilot reviews averaging 4.7 stars. While we’re profitable, we’re only getting started.

We’re seeking an experienced Senior Leader in Fraud and Disputes Operations to lead teams that support our customers across the UK and US. This high‑impact role drives our risk strategy, enhances control frameworks, and improves the end‑to‑end customer journey.

• Lead, coach, and develop high‑performing Fraud Prevention and Disputes Investigation teams, fostering a culture of excellence and continuous improvement.
• Oversee day‑to‑day fraud and disputes operations, including capacity planning, scheduling, SLA management, training and competency development.
• Ensure full compliance with UK and US regulatory requirements, scheme rules, and deadlines, staying current with evolving industry standards.
• Monitor emerging fraud trends and collaborate with second‑line defence teams to implement and refine fraud and disputes strategies.
• Design and maintain robust control frameworks to minimise financial losses, manage operational risk, and act as an escalation point for complex cases.
• Leverage technology and data to optimise processes, enhance customer experience, and track KPIs and KRIs to drive performance and continuous improvement.

• Experienced financial services leader specialising in disputes and fraud, with a focus on business customers.
• Adaptable and pragmatic leader with a hands‑on, solutions‑driven approach to problem solving.
• Proven track record of leading high‑performing teams in fast‑paced, dynamic environments.
• Subject‑matter expert with deep knowledge of regulatory and legal requirements, and extensive experience in risk assessment and control design and testing.
• Analytical thinker skilled in interpreting complex data and driving evidence‑based decision‑making.

We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. We strive to create a space where authenticity thrives and where every person can do their best work.

• Private Healthcare including dental and opticians services through Vitality.
• Worldwide travel insurance through Vitality.
• Anniversary rewards (£250, £500, £750 and a 4‑week fully paid sabbatical).
• Salary sacrifice pension scheme with up to 7 % match.
• Octopus EV salary sacrifice scheme.
• 28 days holiday plus bank holidays.
• Annual learning and wellbeing budget.
• Enhanced parental leave.
• Cycle to work scheme.
• Season ticket loan.
• Six free therapy sessions per year.
• Dog friendly offices.
• Free drinks and snacks in our offices.