Fraud Operations SME

Trust unlocks our greatest potential.

For decades, the clearing of payments remained unchanged and unchallenged. We asked, what if there was a better way? What if we could make banking infrastructure faster, safer, more reliable, and easier to access for all? Here is where you can think radically and responsibly to find the best solution.

What happens when you know you’re inherently trusted? Trust creates safety. Safety encourages you to be brave, to challenge, to fail, to try new things and to execute. At Clear Bank everything revolves around trust. We’re not expected to earn it, but we are expected not to break it. We’re trusted to own it. To solve issues in the moment. To know a good risk when we see one, and the judgement to know that ‘can’ doesn’t always mean you ‘should’.

Clear Bank is a place where you can do things differently and challenge the status quo. We will give you a high level of autonomy and transparency, and we trust you to make the right decisions for the bank.

If that excites you, how about joining our Financial Crime Operations Team as a Fraud Operations SME? Reporting into the Fraud Manager, you will support the day-to-day delivery of fraud operations and help strengthen our fraud controls across cards and payments. You will be supporting the Fraud SME and wider team to design, operate and continuously improve fraud operations processes across the bank, whilst acting as the primary lead for fraud operations processes, you will play a pivotal role in both designing and running the day-to-day operation, and provide constructive feedback regarding ways of working and improvements.

• Design and document end‑to‑end fraud operations processes covering card and current account fraud, including:
  Fraud claims intake and triage, Investigation workflows, Escalation and decisioning frameworks, Incident and linked‑case handling, Quality control and assurance
• Translate policy, regulatory and risk requirements into clear, executable operational processes
• Develop playbooks, SOPs, and guidance materials that support consistent investigator decision‑making
• Ensure processes are audit‑ready, scalable, and aligned to customer and regulatory expectations

• Personally run and oversee fraud casework where required, particularly:
  Complex or high‑risk cases, New fraud typologies, Operational backlogs or capacity gaps
• Act as a senior decision‑maker on fraud outcomes, reimbursements, and escalations
• Ensure operational SLAs, service standards, and quality expectations are met
• Lead fraud operations during fraud spikes, incidents, or emerging threat events

• Act as the primary escalation point for difficult, ambiguous, or sensitive fraud cases
• Make final decisions using personal fraud expertise alongside evidence gathered by investigators or analysts
• Identify linked‑incident patterns or signs of organised fraud across operational casework
• Escalate material risks, trends, or control issues to Fraud SME, Risk, or senior stakeholders as required

• Ensure fraud processes are fully embedded across the business, not just documented
• Support onboarding and coaching of new fraud staff by designing how work should be done, then demonstrating it in practice
• Act as the operational authority for “how fraud is worked” within the organisation
• Continuously refine processes based on real operational outcomes and learning

• Maintain deep, practical knowledge of fraud typologies including: E‑commerce and digital wallet fraud, Authorised Push Payment (APP) fraud, Account takeover and social engineering
• Use operational insight to inform fraud prevention, analytics, and control improvement activity
• Identify gaps between fraud policy, prevention controls, and actual operational reality

• Work closely with fraud prevention, analytics, product, and technology teams to:
  Inform rule and control design from an operational perspective, Validate whether controls are genuinely reducing fraud…