Analytics Manager- Card Fraud

Senior Fraud Data Analyst

We’re Capital on Tap. Capital on Tap started to help small businesses with financial products that better fit their needs. We offer a business credit card, spend management platform, savings product, and other tools to help small business owners run easier. We have 1,000+ employees, £20bn in annual card spend, 200,000+ customers, and are profitable.

Location:

Hybrid role based in our London offices (EC1Y 8LZ
), 3 days a week.

• Write complex SQL queries to interrogate transaction and customer data, identify fraud signals, and surface emerging attack patterns.
• Design and build fraud detection rules from scratch, set thresholds based on data, and iterate based on live performance.
• Own rules end‑to‑end; build detection, monitor outcome.
• Work across card and lending data to understand customer behaviour and fraud risk in our product set.
• Contribute to fraud strategy as the team grows, including input for ML‑based detection.
• Leverage a background in data analysis within fintech or digital lending; handle high‑volume, messy datasets.
• Apply SQL concepts such as CTEs, window functions, WHERE/HAVING distinctions.
• Take ownership from problem detection through to deployment, without handing logic to a tech team.
• Excel in a small, fast‑moving team where answers are not always obvious.

• Direct experience in card fraud within a bank, card issuer, or fintech on the issuing side.
• Familiarity with card fraud systems and related data (Visa fraud platforms, CNP fraud, 3DS/SCA, PSD2 compliance).
• Experience with APP fraud or faster payment fraud systems.

We welcome, consider, and encourage applications from anyone who shares our commitment to inclusivity.

• Private healthcare including dental and optician 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 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.