Fraud Strategy 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 Strategy 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 deliver exciting new products, whilst acting as a key point of contact for fraud queries and escalating appropriately, supporting stakeholders with clear, accurate fraud prevention information and supporting the ongoing development of Clear Bank’s fraud strategy.

• Help lead the day-to-day operation of fraud prevention and detection controls (e.g., alerts, rules, queues, tools and monitoring) and providing input to improvements under the direction of the Fraud SME
• Spotting control gaps and operational issues (false positives/negatives, process breaks, emerging typologies) and helping test and implement enhancements to mitigate fraud risks
• Documenting and help deliver the rollout of the end-to-end fraud operating model (process maps, playbooks, SLAs) and helping ensure teams follow agreed procedures and escalation paths

• Monitoring fraud alerts and patterns, using management information (MI) and case insights, flagging emerging threats, and supporting reviews of control effectiveness with the Fraud SME

• Supporting fraud case escalations, coordinating with operations and customer-facing teams and escalating higher-risk or complex cases to the Fraud SME

• Contributing to playbooks, FAQs and training materials, and helping coach colleagues and the wider business on fraud processes, investigation steps, and reporting requirements

• Building a working knowledge of relevant laws, regulations, and scheme rules, and applying internal policies and procedures accurately; escalating interpretation questions to the Fraud SME when needed

• Coordinating day-to-day activity with internal teams (e.g., operations, risk, compliance, product) and supporting external interactions (e.g., scheme queries, information requests) under the guidance of the Fraud SME

• Providing fraud input and oversight into new products, services, and process changes by completing operational checklists, testing controls, and escalating risks and recommendations to the Fraud SME

• Producing clear, accurate reporting on fraud losses, trends, cases and outcomes, maintaining audit-ready documentation relating to strategy and risk appetite decisions. Escalating key risks and incidents through the agreed governance channels

• Strong background in Fraud:
  Demonstrable understanding of fraud management for cards and/or payments (alerts, claims, investigations, decisioning, documentation, and escalations). You may not have led strategy, but you can confidently operate within established frameworks and learn quickly
• Working knowledge and exposure to core fraud…