Fraud Operations Specialist – Fraud Prevention

Zopa Bank

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

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

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in fraud investigation and management within financial institutions, with a strong focus on compliance with fraud and AML laws. Capable of making timely decisions, coaching team members, and maintaining customer communication throughout the investigation process.

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 Escalation HandlingDocument ReviewPayment ReviewFraudulent Transaction Claims InvestigationCase Prioritization

Soft Skills

Team-Player MentalityIntegrityAdaptabilityCustomer CommunicationExpectation Management

Industry Keywords

Financial InstitutionFraudAML RegulationsCifasVisa

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 inbound and outbound payment reviews within service levels, making timely, well-reasoned decisions
Investigate requests to change personal information and apply updates only after 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 financial institutions and law enforcement when needed
Support seniors and team leaders in high-priority cases
Coach colleagues across Zopa on fraud queries, improving referral quality and consistency

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
Team-player mentality, integrity, and respectful treatment of customers and colleagues

Benefits

Comp & perks

Hybrid working with 2–3 days per week in the Manchester 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
Dog-friendly office
Workplace free from discrimination
Reasonable adjustments available during the hiring process