Fraud Investigations Manager

We’re looking for a Fraud Investigations Manager to lead and manage fraud investigations across our consumer finance operations. This role is critical in protecting the business and our customers from financial crime, ensuring compliance with regulatory obligations, and driving continuous improvement in fraud risk management.

This is a key role in the Financial Services business which provides leadership and ownership in managing fraud investigations. You will be an expert in fraud and financial crime prevention in consumer lending and payments.

You would report to the Head of New Business and Transaction Risk who is responsible for Fraud Risk. In the role you would work closely with other teams in the wider organisation, e.g. Customer Operations, Warehouse Operations, Fraud Strategy & Analytics, Risk and Compliance and Digital Operations.

• Lead and manage a team of fraud investigators, ensuring high standards of integrity, professionalism, and performance.
• Lead complex, high-risk, or sensitive fraud investigations, providing expert guidance and quality assurance.
• Oversee the outsourced Fraud Operations team working fraud referral cases, to ensure effective case management and continuous improvement in dealing with emerging threats.
• Collaborate with internal stakeholders (Compliance, Risk, Customer and Fraud Operations, Digital Operations and Legal) and external bodies (law enforcement, regulators, industry forums, CIFAS).
• Work closely with the Senior Fraud Strategy & Analytics Manager, and the Fraud Strategy Manager to identify emerging threats are combated through a mixture of preventative and detective methods.
• Ensure timely and accurate reporting of fraud incidents to senior management, mobilising resource as required to expedite threat mitigation.
• Liaise with external law enforcement and regulatory bodies (e.g., Action Fraud, NCA, CIFAS and the Police) and represent the company in legal proceedings or regulatory inquiries as required.
• Produce regular reports and insights on fraud activity, investigation outcomes, and risk exposure.
• Develop and maintain investigation procedures, case management systems, and evidence handling protocols.
• Contribute to the design and implementation of fraud prevention controls and policies.
• Understand the threat posed by, and the opportunities presented by the use of AI, and leverage this to detect and prevent fraud.
• Pursue continuous professional development to ensure fraud knowledge remains current and is effectively applied.

• Proven experience in fraud investigations working for a direct to consumer lender, within consumer finance, banking, or financial services.
• Strong knowledge of UK fraud legislation, regulatory requirements (e.g., FCA, AML), and industry best practices.
• Strong understanding of fraud typologies, investigative techniques, including the role of AI, and regulatory frameworks.
• Experience managing or mentoring investigation teams.
• Strong interpersonal and communication skills, with the ability to influence at all levels.
• Proficiency in using fraud detection tools, case management systems, and data analysis platforms.
• Good understanding of fraud and non-fraud chargebacks and how 3DS liability shift works
• You should be resilient and tenacious, and comfortable working in a fast paced environment.
• It would be desirable to have worked in a fraud investigations role for an online retail lender, but not essential.

• Hybrid working(3 days in the office at a minimum)
• 24 days holiday (+ 8 bank holidays)
• Annual bonus scheme
• Enhanced maternity and adoption leave
• Company pension with up to 8% N Brown contribution
• Mental Health support both internally and externally, including access to our wellbeing champions and counselling services
• A range of financial wellbeing support
• Stream - a financial wellbeing tool that helps you track your pay, access earnings early and manage your money with confidence
• Colleague discount across all N Brown brands
• Onsite café with subsidised rates and local restaurant discounts!
• Life Assurance and Private Medical Insurance
• Paid volunteer…