Fraud Operations Specialist – Fraud Onboarding

Zopa Bank

. Handle fraud escalations in the application journey, including document reviews, call listening and other suspicions raised during onboarding .

Posted 10/7/2026full-timeLondon • United KingdomMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in fraud detection and investigation within financial institutions, with a strong focus on compliance with AML laws and regulations. Capable of making timely decisions while maintaining customer trust and managing expectations effectively.

Highest-signal resume keywords

Fraud InvestigationCifas ExperienceVisa ChargebacksAML Laws KnowledgeAttention to Detail

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Fraud DetectionDocument ReviewPayment ReviewCase PrioritizationFraud Alerts Management

Soft Skills

Team PlayerAdaptabilityIntegrityCustomer CommunicationCoaching

Industry Keywords

Financial InstitutionFraud EscalationFirst-Party FraudPersonal Information UpdatesFraud Claims

About the role

Key responsibilities & impact

Handle fraud escalations in the application journey, including document reviews, call listening and other suspicions raised during onboarding
Complete payment reviews within service levels and make timely, well-reasoned decisions that protect customers without adding friction for legitimate payments
Investigate requests to change personal information and apply updates only once concerns are resolved
Investigate fraudulent transaction claims end to end and raise Visa chargebacks where applicable
Identify first-party fraud and escalate it with clear, evidenced rationale
Keep customers informed throughout investigations and manage expectations
Submit reports to Cifas and work with other financial institutions and law enforcement when needed
Support senior staff and team leaders
Coach colleagues across Zopa on fraud queries and improve referral quality and consistency
Detect fraud across indicators and application triggers, reviewing and managing daily fraud alerts and claims across Zopa products

Requirements

What you’ll need

Proven experience in a similar role within a financial institution
Previous experience using Cifas and Visa
Knowledge of fraud and AML laws and regulations
Excellent attention to detail when examining documents
Ability to prioritise cases and stay effective under pressure
Adaptability in a fast-paced environment
Experience working across multiple products
Team player who acts with integrity and treats customers and colleagues with respect
Right to work in the country of choice for working abroad

Benefits

Comp & perks

Hybrid working with 2–3 days per week in the London office
Option to work from abroad for up to 120 days per year, subject to having the right to work in the country of choice
Support and resources to thrive in work and home life from day one
Workplace free from discrimination
Reasonable adjustments during the hiring process
AI use in some technical interview stages, depending on the role