Job Description

It's fun to work in a company where people truly BELIEVE in what they are doing!We're committed to bringing passion and customer focus to the business.
Lead Fraud & Risk Analyst
12 month Fixed Term Contract
Location: Hybrid London & Client Site
Fractal Analytics is Leading Fortune 500 companies leverage Big Data, analytics, and technology to drive smarter, faster and more accurate decisions in every aspect of their business.
Fortune 500 companies recognize analytics is a competitive advantage to understand customers and make better decisions. We deliver insight, innovation, and impact to them through predictive analytics and visual storytelling.
Role Summary:
The Fraud Strategy & Risk Enablement Lead plays a critical role in shaping and executing the organization's fraud prevention and risk mitigation strategy. This role is designed for a strategic thinker and operational enabler who can navigate the evolving fraud landscape--marked by increasing complexity, loss of possession, and emerging threats. The ideal candidate will drive data-led insights, foster cross-functional collaboration, and champion governance and capacity building to ensure fraud resilience across the business.
Role Responsibilities:
Fraud Strategy & Data Intelligence:Evaluate the relevance and effectiveness of current data sources and KPIs used to monitor fraud trends. Lead initiatives to identify and implement quick wins in fraud prevention. Provide analytical support to challenge and refine existing fraud models, particularly around net loss and forecasting accuracy.

Operational Enablement:Manage competing priorities across business units while maintaining momentum on fraud initiatives. Ensure data integrity throughout technical development and deployment cycles. Drive automation and process improvements to enhance fraud detection and response capabilities.

Governance & Capacity Building:Champion governance frameworks that empower resource ownership and decision-making. Support upskilling initiatives to build fraud and risk capabilities. Collaborate with BAU teams to ensure seamless integration of fraud strategy into daily operations.

Strategic Collaboration:Work closely with finance to align fraud strategy with budget constraints and challenge assumptions where needed. Engage with stakeholders across technology, product, and fraud leadership to ensure alignment with VIK (Value-In-Kind) funding and broader business objectives. Provide strategic guidance on fraud related to F2P (Funds-to-Person) and non-card A2A (Account-to-Account) payments, balancing short-term impact with long-term resilience.

Mandatory technical skillsProven experience in fraud strategy, risk analytics, or financial crime prevention. Strong understanding of Open Banking, phishing, scams, and authentication technologies. Experience with forecasting models and performance metrics related to fraud loss and prevention. Appetite for championing change and challenging forecasting assumptions. Experience with ISO 20022, SEPA Instant, Faster Payments, and fraud controls in A2A and non-card payment ecosystems. Understanding of OAuth2, OpenID Connect, and API threat detection tools. Knowledge of technologies such as biometric authentication, device fingerprinting, behavioural biometrics, and multi-factor authentication (MFA). Familiarity with fraud modelling using Python, R, SQL, SAS.

Mandatory non-technical skillsStrategic mindset with the ability to translate insights into actionable fraud prevention strategies. Strong stakeholder management and cross-functional collaboration skills. Comfortable operating in ambiguous environments with minimal guidance. Proven ability to challenge assumptions and drive change in complex organizational settings. Excellent communication and presentation skills to influence senior leadership and cross-functional teams.

If you like wild growth and working with happy, enthusiastic over-achievers, you'll enjoy your career with us!
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