Job Description
We’re Capital on Tap 👋
💳 Capital on Tap was founded with the mission to help small business owners and make their lives easier. Today, we provide an all-in-one business credit card & spend management platform that helps business owners save time and money. Capital on Tap proudly serves over 200,000 businesses across the world and our goal is to help 1 million small businesses by 2030.
🏢This is a Hybrid role in our London (EC1Y 8LZ) Offices 3 days per week.
What You’ll Be Doing
We're looking for a Senior Fraud Analyst to join our Fraud team. This is a hands-on, high-ownership role - you'll take direct responsibility for our fraud systems end-to-end, from onboarding fraud through to card fraud, and play a central part in building the capabilities we need as we launch new products.
You won't be coordinating. You'll be doing.
Owning and managing our card fraud systems, including day-to-day management of our card issuer fraud platform and the data that powers it.
Building and optimising fraud detection rules across our onboarding fraud systems.
Working with external data vendors to evaluate new tools and data sources, with a view to continuously improving our fraud controls.
Supporting the launch of new products, including faster payment capabilities, and ensuring fraud systems are in place ahead of go-live.
Analysing fraud patterns and presenting findings to stakeholders across Operations, Credit, and Senior Management.
We’re Looking For 🔎
Direct experience working in card fraud - ideally within a bank, card issuer, or fintech operating on the issuing side.
Hands-on familiarity with card fraud systems and the data that comes with them (Visa fraud platforms, CNP fraud, 3DS/SCA, PSD2 compliance)
Experience with APP fraud or faster payment fraud systems is a strong bonus.
Highly proficient in SQL - you're comfortable writing complex queries independently and using data to drive decisions.
A doer mindset - you should be comfortable getting stuck in, building from the ground up, and owning outcomes without a lot of structure around you.
Strong communication skills - able to explain fraud logic clearly to non-technical stakeholders.
2.1 or above at degree level, preferably in Economics or STEM subject.
Diversity & Inclusion 🌈
We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.
Great Work Deserves Great Perks
We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:
🏥 Private Healthcare including dental and opticians services through Vitality
✈️ Worldwide travel insurance through Vitality
🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
👛 Salary Sacrifice Pension Scheme up to 7% match
🏖️ 28 days holiday (plus bank holidays)
📖 Annual Learning and Wellbeing Budget
👪 Enhanced Parental Leave
🚲 Cycle to Work Scheme
🚂 Season Ticket Loan
💬 6 free therapy sessions per year
🐶 Dog Friendly Offices
🍫 Free drinks and snacks in our offices
Check out more of our benefits, values and mission here.
Other Info
👍Check out our ‘Top Tips’ for interviewing.
✔️Keep updated on new job opportunities by following us on Linkedin.
📧Email careers@capitalontap.com if you have any questions.
Excited to work here? Apply!
If you’d like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.)