Associate Director of Fraud & Financial Crime Operations

Requirements

• Experienced senior operational leader with a strong track record managing large scale teams within regulated financial services or fintech
• Deep expertise across fraud and financial crime operations, including governance, controls and customer outcomes
• Proven experience leading operational transformation across technology, processes and operating models
• Commercially minded with experience managing budgets, operational investment and third party relationships
• Excited by AI and automation, with a clear view on how technology can reshape operational functions responsibly
• Strong cross functional leader who influences effectively across Product, Engineering, Risk and Compliance
• Strategic, data driven and highly pragmatic, with strong operational judgement
• Strong people leader who develops high performing teams and future leadership capability
• (Desirable) Experience within digital banking or fast growth fintech environments
• (Desirable) Knowledge of APP fraud, SAR obligations, Consumer Duty and vulnerable customer handling
• (Desirable) Experience managing outsourced operational teams
• (Desirable) Exposure to regulatory engagement with the FCA, auditors or industry bodies
• (Desirable) Familiarity with modern fraud tooling and operational analytics platforms

What the job involves

• At Zopa, we’re building a Fraud and Financial Crime Tribe focused on protecting the bank and our customers across the full customer lifecycle. Bringing together Product and Operations, the tribe is reshaping how fraud and financial crime operations work through smarter processes, AI and automation
• This is a senior leadership role leading the Operations function across Fraud Ops and Fin Crime Ops, overseeing teams across London, Manchester and an outsourced operation in South Africa
• You’ll shape the future operating model for the function, influencing how technology, automation and organisational design evolve as the business scales
• You’ll work closely with Product, Engineering, Risk, Compliance, Fraud Strategy and the MLRO, acting as a senior voice in decisions with broad operational, customer and regulatory impact
• Set the strategic direction for Fraud Ops and FinCrime Ops, shaping structure, standards and operating models
• Own organisational design, workforce planning and operational budget across the function
• Lead operational performance, using MI and insight to drive accountability and improvement
• Partner with Product and Engineering teams to shape automation strategy and operational processes
• Drive adoption of AI and automation across the function
• Represent Operations in senior governance, regulatory and audit discussions where required
• Ensure strong governance, controls and regulatory compliance across the function
• Build leadership capability, succession plans and long term talent pipelines across Operations

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