Senior Analyst, Fraud & Financial Crime

• Join Zopa as a Senior Analyst in the Fraud & Financial Crime Analytics team, working hybrid from London 2-3 days a week. • Use hands-on SQL and analytical skills to protect customers and the bank from fraud and financial crime while keeping friction low for genuine customers. • Focus initially on card transactions and related events, including card tokens and account takeover. • Own the analysis, implementation and ongoing performance of controls, working with large datasets to spot emerging risks. • Sit within a product squad alongside Fraud Risk, Operations, Data Science, Engineering and Product colleagues. • Help build the next generation of controls using modern data, technology and AI, with no prior fraud or financial crime experience required.

• Bring strong analytical experience and advanced SQL skills, including confidence with large, complex datasets. • Show experience using Python for analysis, or the willingness to develop those skills. • Show a track record of owning complex analytical problems from the initial question through to a clear recommendation or implemented change. • Know basic machine learning concepts and performance metrics such as precision and recall. • Use data to assess performance, identify opportunities and make decisions with sound judgement. • Tell a clear story with data to influence technical and non-technical stakeholders. • Work collaboratively with people across different teams and levels of seniority. • Show curiosity about new tools and an interest in using AI and automation to improve controls.

• Have experience in fraud, financial crime, risk analytics or another controls-focused environment. • Have experience analysing card transactions, payments or customer behaviour. • Bring stronger experience of evaluating, implementing or monitoring machine learning models. • Use AI tools such as Claude to support analysis, coding or automation. • Know data visualisation tools such as Tableau, or have worked in fintech or financial services.

• Analyse, implement, test and optimise rules and other controls that prevent and detect fraud and financial crime. • Investigate emerging risks by using data to identify suspicious patterns and recommend practical responses. • Monitor detection, losses, false positives and alert volumes to understand and improve control performance. • Develop hypotheses and evaluate new approaches, balancing detection gains against the impact on genuine customers and Operations. • Work with Data Science, Product and Engineering to explore how new data, models, AI and automation can improve detection. • Help implement and monitor model-led controls, and test and migrate controls as platforms evolve. • Identify and prioritise opportunities with the squad, influence decisions and share your knowledge with others.

• Work hybrid from the London office 2-3 days a week. • Work from abroad for up to 120 days a year, subject to having the right to work in your chosen country. • Get everything you need to thrive in your work and home life from day one. • Join a company named in the top three of the UK's Most Loved Workplaces. • Work with a diverse team of nearly 50 nationalities, supported by an active DE&I forum. • Build your AI fluency at a company that is a partner of Jobs 2030.

Zopa started in 2005 as the first peer-to-peer lending company and launched Zopa Bank in 2020. It aims to redefine banking by listening to what customers dislike about finance and doing the opposite. Zopa has won industry awards and been named among the UK's top three Most Loved Workplaces.