Job Description

City/Region Leeds, England; Glasgow, Scotland; Newcastle upon Tyne, England Job ID 109032 Category Risk Contract type Permanent Full Time Applications Close 11 Jan 2026 (11.55pm GMT)
Business Unit: COO, Fraud Analytics
Salary range: Up to circa 58,000 per annum DOE + Benefits
Location: UK Hybrid - Leeds/Gosforth/Glasgow
Contract Type: Permanent full-time
Our Team
You'll be joining the Application Fraud Analytics team, who are responsible for the application fraud strategies across all products. What this means in layman's terms is that the team are responsible for preventing anyone who has had their identity stolen from becoming a victim of fraud at Virgin Money, protecting both customers, non-customers and the bank itself. Do you want to make a difference too?
What you'll be doing

• Driving application fraud strategy for a specific area of the business, being a point of contact for stakeholders and providing SME input.
• Optimising and monitoring performance of fraud detection and prevention systems and associated models.
• Taking the lead for your area's fraud systems to manage fraud risk within appetite and budget.
• Completing analytics as directed to support the setting and on-going reporting and management of the Fraud loss budget.
• Producing accurate and relevant fraud MI required by governance committees and providing updates in monthly forums
• Supporting development of other application fraud analysts in analytics and MI
• Supporting, leading, and providing SME insights for business wide change
• Identifying ongoing improvements to tools and systems and supporting and driving the delivery of change for the application fraud team
• Supporting external engagement with third party suppliers, industry bodies and law enforcement as required

We need you to have

• Practical, extensive experience of using SAS / SQL or equivalent analytical tools to develop data driven solutions.
• Knowledge and use of industry standard fraud systems and data sources (Hunter, CIFAS, Detect, TruValidate, Mitek).
• A track record of completing analytics and tuning fraud defence systems to manage fraud loss within budget and appetite.
• Knowledge of fraud risks, threats, and landscape.
• A proven ability to manage workload in a fast-paced environment with potentially multiple conflicting needs.
• Practical experience producing and creating accurate MI

It's a bonus if you have but not essential

• Experience driving change for Fraud projects from identification of problem to delivery of solution.

The extras you'll get

• 25 days holiday per year, which increases over time to 30. Plus, an option to buy more, giving you even more choice.
• Private medical insurance
• A highly competitive pension to help you build a strong foundation for retirement.
• Access to an annual performance related bonus
• Training and development to help you progress your career
• A great selection of additional benefits through our flexible benefits scheme
• Life assurance to provide peace of mind for you and your loved ones in the event of your death.
• Up to 2 days of paid volunteering a year

If we're lucky to receive a lot of interest, we may close the advert early. Please ensure to submit your applications as soon as possible.
Say hello to Virgin Money
Virgin Money is so much more than just a bank. As part of the Nationwide group, together we're the UK's first full-service mutual bank serving millions of retail and business customers and all driven by our purpose; Banking but fairer, more rewarding and for the good of society. With us, you'll be part of an organisation uniquely positioned to make a difference to the lives of customers, communities and broader society and embark on a collaborative, customer obsessed, and fun-filled career journey. Embrace the weekdays, enjoy fantastic perks, and make a meaningful positive difference. Time to discover what it means to be part of the first mutual full-service banking provider.
Be yourself at Virgin Money
At Virgin Money, we celebrate everyone. We have fun, think big, and relentlessly include each other, all in pursuit of our purpose: Banking - but fairer, more rewarding, and for the good of society. We're committed to creating an inclusive culture where colleagues feel safe and inspired to contribute, speak up and be heard.
As a Disability Confident Leader, we're committed to removing any obstacles to inclusion. If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team
Please note: If we receive a high volume of eligible applications, we may need to prioritise candidates whose skills and experience most closely align with the role, while still ensuring fair and equitable consideration for all applicants.
Now the legal bit
We're in the process of bringing Virgin Money and Nationwide together which, subject to Court approval, will happen on 2 April 2026. You can find out more about what this means at . If you're successful in securing a role with us, your employment will move automatically to Nationwide when this transfer goes ahead.
Although some of our roles allow you to be based anywhere in the UK, we'll need you to confirm you have the right to work in the UK.
If you're successful in securing a role with us, there are some checks you need to complete before starting. These include credit and criminal record checks and three years' worth of satisfactory references. If the role is part of the Senior Manager Regime and Certification Regime, it requires enhanced pre-employment checks - we'll ask for six years of regulatory references, and once in the role, you'll be subject to periodic employment checks.
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