Job Description

The role
We're looking for a Fraud Investigations Manager to join our Fraud team!
We are seeking a highly skilled and experienced Fraud Investigations Manager to lead and manage fraud investigations across our consumer finance operations. This role is critical in protecting the business and our customers from financial crime, ensuring compliance with regulatory obligations, and driving continuous improvement in fraud risk management.
This is a key role in the Financial Services business which provides leadership and ownership in managing fraud investigations. You will be an expert in fraud and financial crime prevention in consumer lending and payments.
You would report to the Director of Operations who is responsible for Fraud Operations. In the role you would work closely with other teams in the wider organisation, e.g. Customer Operations, Warehouse Operations, Fraud Strategy & Analytics, Risk and Compliance and Digital Operations.
What will you do as a Fraud Investigations Manager at N Brown?

• Lead and manage a team of up to 4 fraud investigators, ensuring high standards of integrity, professionalism, and performance.
• Oversee the outsourced Fraud Operations team working fraud referral cases, to ensure effective case management and continuous improvement in dealing with emerging threats.
• Collaborate with internal stakeholders (Legal, Compliance, Risk, Customer and Fraud Operations, and Digital Operations) and external bodies (law enforcement, regulators, industry forums, CIFAS).
• Work closely with the Senior Fraud Strategy & Analytics Manager, and the Fraud Strategy Manager to identify emerging threats are combated through a mixture of preventative and detective methods.
• Ensure timely and accurate reporting of fraud incidents to senior management, mobilising resource as required to expedite threat mitigation.
• Liaise with external law enforcement and regulatory bodies (e.g., Action Fraud, NCA, CIFAS and the Police) and represent the company in legal proceedings or regulatory inquiries as required.
• Produce regular reports and insights on fraud activity, investigation outcomes, and risk exposure.
• Develop and maintain investigation procedures, case management systems, and evidence handling protocols.
• Contribute to the design and implementation of fraud prevention controls and policies.
• Understand the threat posed by, and the opportunities presented by the use of AI, and leverage this to detect and prevent fraud.
• Pursue continuous professional development to ensure fraud knowledge remains current and is effectively applied.

What skills and experience will you have?

• Proven experience in fraud investigations working for a direct to consumer lender, within consumer finance, banking, or financial services.
• Strong knowledge of UK fraud legislation, regulatory requirements (e.g., FCA, AML), and industry best practices.
• Strong understanding of fraud typologies, investigative techniques, including the role of AI, and regulatory frameworks.
• Experience managing or mentoring investigation teams.
• Strong interpersonal and communication skills, with the ability to influence at all levels.
• Proficiency in using fraud detection tools, case management systems, and data analysis platforms.
• Good understanding of fraud and non-fraud chargebacks and how 3DS liability shift works
• You should be resilient and tenacious, and comfortable working in a fast paced environment.
• It would be desirable to have worked in a fraud investigations role for an online retail lender, but not essential.

What's in it for you?

• Hybrid working

• 24 days holiday (+ 8 bank holidays)

• Annual bonus scheme

• Enhanced maternity and adoption leave

• Company pension with up to 8% N Brown contribution

• Mental Health support both internally and externally, including access to our wellbeing champions and counselling services

• A range of financial wellbeing support

• Colleague discount across all N Brown brands

• Onsite cafe with subsidised rates and local restaurant discounts!

• Life Assurance and Private Medical Insurance

• Paid volunteer time - all our colleagues can take a full day paid to volunteer for a charity of their choice

N Brown - who we are and why work for us?
At N Brown, we're committed to building a diverse workforce and creating an inclusive environment that values equality for all. Our vision is that by 'championing inclusion, we'll become the most loved and trusted fashion retailer'. Diversity, Equity, Inclusion and Belonging are, therefore, at the heart of our culture.
We're a forward-thinking digital retailer with a financial services proposition to be proud of. We're customer-obsessed, serving them through three core brands: JD Williams, Simply Be, and Jacamo. We're experienced, with over 160 years of trading under our belt. We're inclusive, as we believe in fashion without boundaries; and we're sustainable, striving to make as little impact on the planet as possible.
In May 2024 we were delighted to be named one of The Sunday Times Best Places to Work 2024. We work hard to create a happy and inclusive culture for everyone and we're so proud to have made this list - as voted for by our very own colleagues!
Ways of Working
We offer hybrid working which varies across the business depending on the role you're in. Our Head Office is located in the Northern Quarter in Manchester City Centre. So if you are travelling by train, tram or bus we're perfectly located, plus we're surrounded by cool cafes, trendy bars and the best places to eat!
Our working hours are 36.17 per week and our core working hours are between 10am - 4pm. Given we don't have strict working hours you can find the working pattern that's right for you.
Our promise to you:
We're an equal opportunity employer and value diversity. We do not discriminate based on race, religion, colour, national origin, sex, gender, gender expression, sexual orientation, age, marital status, veteran status, or disability status.
Please know your application is being reviewed by a real human being, not AI. We value your interest in joining us and appreciate you taking the time to submit your application.
What happens when you apply to a role at N Brown?
As soon as we receive your application, we'll send you an email to let you know. We always aim to come back to you as soon as possible with an update and we really appreciate you taking the time to apply for a role with us. Good luck!

Skills Required