Head of Fraud – FinTech (Payments)

4 days a week in Central London offices

Audit & Risk Recruitment are delighted to be partnering with a high-growth fintech in the payments sector to appoint a Head of Fraud. This is a key leadership role sitting in the 1st Line of Defence, bridging operations and commercial teams, and playing a critical part in shaping how fraud insights drive business decisions.

Our client is undergoing a significant transformation—moving from a traditional rules-based transaction monitoring framework to a more sophisticated, model-driven approach. They are seeking a forward-thinking fraud leader who can build out this capability, leveraging data analytics to deliver meaningful, commercially relevant insights.

Key Responsibilities:

• Lead and develop the transaction monitoring function, overseeing a team structure of 3 direct reports, who have a further 6 reports between them.
• Design and implement a model-based fraud detection framework, transitioning away from rules-based systems
• Harness data analytics tools to identify patterns, trends, and actionable insights
• Deliver clear, concise fraud analysis that supports commercial decision-making
• Act as a key partner to operations and commercial teams, embedding fraud risk considerations into business strategy
• Continuously optimise fraud controls to improve efficiency and reduce false positives

The ideal candidate will have:

• Proven experience in fraud risk and transaction monitoring, ideally within fintech, payments, or e-commerce
• Strong expertise in building or enhancing model-based fraud detection systems
• Advanced data analytics capability, with the ability to translate complex data into business insights
• Experience operating in an FCA-regulated environment is highly desirable
• International exposure, particularly across EU markets, would be advantageous
• Demonstrated leadership experience managing and scaling teams

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