Head of Fraud

HEAD OF FRAUD London, Hybrid | 110-120k This is an opportunity to take ownership of fraud strategy within a fast-growing digital financial services business. You will combine fraud leadership with hands-on data science and AI, building intelligent fraud prevention capabilities that protect customers while supporting sustainable growth. THE COMPANY They are a technology-led financial services business focused on creating a simpler, more digital customer experience.

With technology and data central to their approach, they are continuing to invest in intelligent decisioning and scalable risk capabilities. You will join at an important stage of growth, with significant scope to shape how fraud prevention develops across the organisation.

THE ROLE As Head of Fraud, you will own the fraud strategy, combining strategic leadership with hands-on technical delivery. You will:
Define fraud strategy across customer, document, third-party and asset-related risks. Build and deploy AI-driven fraud identification capabilities using multiple data sources. Develop fraud classifiers, anomaly detection, document intelligence and network analysis solutions. Use machine learning and AI to identify emerging threats, including synthetic identities and sophisticated application fraud. Own the production of fraud models, including testing, CI/CD, monitoring, governance and human oversight.

Partner with Product, Engineering, Credit, Operations and Collections to embed effective fraud controls. Assess new fraud techniques and vulnerabilities, translating emerging threats into practical controls. Deliver fraud analytics and management information to demonstrate losses, prevention performance and overall risk exposure. Build relationships across the UK fraud and financial services community to strengthen intelligence sharing. YOUR SKILLS & EXPERIENCE

You will have:

Strong commercial experience in fraud prevention or financial crime within UK consumer lending or financial services. Hands-on experience building and deploying fraud or risk models into production. Advanced Python and SQL skills alongside strong machine learning knowledge. Practical experience working with LLMs, agentic AI or AI-driven decisioning, including evaluation, guardrails and governance. Strong understanding of Git, testing, CI/CD, cloud environments and model monitoring.

The ability to balance fraud prevention with customer experience and commercial outcomes. Experience translating complex fraud and technical topics for both technical stakeholders and senior leadership. A strong understanding of the UK fraud landscape and emerging financial crime threats. WHAT THEY OFFER Competitive salary and performance-based pay reviews. Hybrid working from London. 30 days' annual leave plus bank holidays and an additional birthday day off.

Flexible opportunities to work remotely from other locations during the year. Private healthcare. Employer-matched pension contributions. Cycle to Work scheme. Significant ownership and the opportunity to shape an AI-led fraud capability within a growing technology business.

HOW TO APPLY

If you are a hands-on fraud leader with strong data science, machine learning and AI experience, apply to find out more about this Head of Fraud opportunity.