Carmoola

Head of Department

• Own Carmoola's fraud strategy across customer, document, dealer and vehicle fraud
• Decide what to build versus buy while balancing loss prevention against customer and dealer friction
• Own the fraud roadmap and shape requirements with Product and Engineering
• Work with Credit, Ops and Collections to ensure controls fit business operations
• Design and develop AI agents that assess application, document, bank, bureau, dealer and vehicle data
• Build fraud classifiers, anomaly detection, document intelligence and network analysis
• Identify linked applications, synthetic identities and dealer collusion
• Own end-to-end production deployment, including version-controlled code, CI/CD, safe releases, live monitoring, governance and human oversight
• Test fraud journeys and controls using deepfakes, synthetic documents, AI-generated identities and automated application attacks
• Deliver fraud analytics and management information showing losses, prevention and causes
• Report against risk appetite to senior leadership and the board
• Build relationships with peer lenders, Cifas, National Hunter, the FLA, UK Finance and law enforcement
• Convert shared intelligence about emerging threats into new controls

Head of Fraud