The team
The DE Compliance team is an autonomous group of specialists dedicated to ensuring iwoca remains a safe and trusted partner for German SMEs. The team works at the intersection of technology and risk, collaborating closely with Tech, Operations, and Risk Management to build robust detection systems. The team operates in an agile environment, meeting regularly to share insights on the latest fraud trends and collaborating on cross‑functional projects to stay ahead of evolving threats.
The role
The Fraud Specialist role provides the opportunity to shape the security and integrity of our digital lending products. You will have the autonomy to identify emerging risks and the influence to implement the technical and strategic solutions needed to mitigate them.
Impact and Influence
- Identify and evaluate emerging fraud scenarios such as impersonation, social engineering, and account takeover (ATO).
- Formulate and adapt the fraud strategy specifically for the German digital lending market to maintain an optimal balance between risk and conversion.
- Design efficient verification processes that protect the business without adding unnecessary friction for our customers.
Innovation and Collaboration
- Partner with Tech and Data teams to implement automated detection mechanisms, including machine learning models and rule‑based systems.
- Guide the selection and introduction of innovative technologies to optimise the fraud prevention toolkit.
- Develop and lead training programs to raise fraud awareness across the company and with our external partners.
The requirements
- Proven experience in fraud management or a related compliance field, with a focus on 3rd‑party fraud.
- Strong analytical skills with the ability to translate complex data into actionable prevention measures.
- A proactive, solution‑oriented mindset and the ability to work effectively within agile, cross‑functional teams.
- Fluency in German and English.
Bonus:
- Experience working with external fraud‑prevention platforms or aggregators.
- Familiarity with the technical implementation of automated fraud solutions (ML/Rule‑engines).
- Experience in the German fintech or digital lending sector.
The benefits
- Medical insurance from Vitality, including discounted gym membership.
- A private GP service for you, your partner, and your dependents.
- 25 days’ holiday, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave.
- A one-month, fully paid sabbatical after four years.
- Instant access to emotional and mental health support.
- Generous parental leave and a nursery tax benefit scheme.
- Two company retreats a year—we’ve been to France, Italy, Spain, and further afield.
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