Senior Card Fraud Risk Analyst

Overview

Capital on Tap started to help small businesses find the financial tools they need. We now offer a best‑in‑class business credit card, spend‑management platform, savings product and a suite of tools that make running a small business easier.

This is a hybrid role based in our London (EC1Y 8LZ) offices, 3 days per week.

What You’ll Be Doing

As a Senior Fraud Data Analyst you will take end‑to‑end ownership of our fraud systems from onboarding fraud through to card fraud. You’ll build and refine the capabilities that support new product launches.

• Write complex SQL queries to interrogate transaction and customer data, identify fraud signals, and surface emerging attack patterns.
• Design and build fraud detection rules from scratch, set thresholds based on data, and iterate based on live performance.
• Own rules end‑to‑end – from spotting patterns to building detection logic and monitoring outcomes.
• Work across card and lending data to understand customer behaviour and fraud risk within our product set.
• Contribute to fraud strategy, including input into ML‑based detection, as the team grows.

We’re Looking For

• A strong data‑analysis background in fintech or digital lending; comfortable handling messy, high‑volume SMB or consumer transaction data.
• Hands‑on SQL skills, including CTEs, window functions, and awareness of WHERE vs HAVING.
• A genuine builder instinct – proactive problem discovery and resolution.
• Experience owning analytical projects end‑to‑end, not simply handing logic to a tech team.
• Comfortable in a small, fast‑moving team where solutions are not always obvious.

Nice to Have

• Direct experience in card fraud – ideally within a bank, card issuer, or fintech on the issuing side.
• Hands‑on familiarity with card fraud systems and associated data (Visa fraud platforms, CNP fraud, 3DS/SCA, PSD2 compliance).
• Experience with APP fraud or faster payment fraud systems.

Diversity & Inclusion

We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. We strive to create a space where authenticity thrives and everyone can do their best work.

Benefits

• Private Healthcare including dental and opticians services through Vitality.
• Worldwide travel insurance through Vitality.
• Anniversary Rewards (£250, £500, £750, and 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 at the office.

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