Senior Analyst (Fraud & Financial Crime)

We are looking for a Senior Analyst to join our Fraud & Financial Crime Analytics team at Zopa. You will use your analytical skills and hands-on SQL experience to help protect our customers and the bank from fraud and financial crime, while making sure genuine customers experience as little friction as possible.

Your initial focus will be on card transactions and related events, including card tokens and account takeover. This is a hands-on role where you will own the analysis, implementation and ongoing performance of our controls.

You will work with large datasets, identify emerging risks and use your findings to design and improve the rules and models that help keep our customers safe.

Responsibilities

• Own and improve controls: Analyse, implement, test and optimise rules and other controls that prevent and detect fraud and financial crime.
• Investigate emerging risks: Use data to identify suspicious patterns, understand changing threats and recommend practical ways to respond.
• Measure what matters: Monitor detection, losses, false positives and alert volumes to understand control performance and identify opportunities to improve.
• Test and learn: Develop hypotheses and evaluate new approaches, balancing improvements in detection with the impact on genuine customers and Operations.
• Build the next generation of controls: Work with Data Science, Product and Engineering to explore how new data, models, AI and automation can improve our detection and how we work.
• Support change: Help implement and monitor model-led controls, and test and migrate controls as our platforms evolve.
• Shape your priorities: Work with the squad to identify and prioritise opportunities, influence decisions and share your knowledge with others.

Requirements

• Strong analytical experience and advanced SQL skills, including the ability to work confidently with large, complex datasets.
• Experience using Python for analysis, or the ability and willingness to develop those skills.
• A track record of owning complex analytical problems from initial question through to a clear recommendation or implemented change.
• The ability to take an open-ended problem, work out where to start and turn it into a clear analytical approach.
• Experience using data to assess performance, identify opportunities and make decisions.
• An understanding of basic machine learning concepts and performance metrics, such as precision and recall, or exposure to using them to assess controls.
• Sound judgement and the ability to balance analytical rigour with the need to make timely decisions.
• The ability to tell a clear story with data and use your insights to influence technical and non-technical stakeholders.
• A collaborative approach and confidence working with people across different teams and levels of seniority.
• Curiosity about new tools and an interest in using AI and automation to improve how you work and the controls you build.