Fraud SME

\u003cp style=\"min-height:1.5em\"\u003e\u003cstrong\u003eTrust unlocks our greatest potential.\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003eFor decades, the clearing of payments remained unchanged and unchallenged. We asked, what if there was a better way? What if we could make banking infrastructure faster, safer, more reliable, and easier to access for all? Here is where you can think radically and responsibly to find the best solution.\u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003eWhat happens when you know you’re inherently trusted? Trust creates safety. Safety encourages you to be brave, to challenge, to fail, to try new things and to execute. At ClearBank everything revolves around trust. We’re not expected to earn it, but we are expected not to break it. We’re trusted to own it. To solve issues in the moment. To know a good risk when we see one, and the judgement to know that ‘can’ doesn’t always mean you ‘should’.\u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003cstrong\u003eWhat you can expect:\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003eClearBank is a place where you can do things differently and challenge the status quo. We will give you a high level of autonomy and transparency, and we trust you to make the right decisions for the bank.\u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003eIf that excites you, how about joining our Financial Crime Operations Team as a Cards and Payment \u003cstrong\u003eFraud Subject Matter Expert?\u003c/strong\u003e Reporting to the ClearBank Financial Crime Due Diligence Lead, you will be responsible for helping to define and implement effective counter fraud systems, controls and solutions across the bank, whilst providing expert knowledge and guidance on fraud prevention, detection, and investigation, to a broad spectrum of first, second and third line stakeholders.\u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003eYour role includes:\u003c/p\u003e\u003ul style=\"min-height:1.5em\"\u003eli\u003e\u003cp style=\"min-height:1.5em\"\u003e\u003cstrong\u003eDeveloping and Implementing Fraud Strategies:\u003c/strong\u003e\u003c/p\u003e\u003cli\u003e- Technical input to (and coordinating elements of) the design, implementation and BAU operation of fraud prevention and detection strategies, including the use of technology, and data analysis to identify and mitigate fraud risks. This will include controls, systems, processes and governance\u003c/p\u003e\u003c/li\u003e\u003cli\u003e- Development and implementation of new controls to mitigate emerging fraud risks\u003c/p\u003e\u003c/li\u003e\u003cli\u003e- Technical input to (and coordinating elements of) the design and implementation of an end-to-end fraud framework and target operating model\u003c/p\u003e\u003clu\u003e\u003c/u\u003e\u003c/li\u003e\u003cul style=\"min-height:1.5em\"\u003cli\u003e\u003cp style=\"min-height:1.5em\"\u003e\u003cstrong\u003eAnalysing Fraud Trends - \u003c/strong\u003eAssisting in the monitoring of fraud patterns, identifying emerging threats, and assessing the effectiveness of existing controls\u003c/p\u003e\u003c/li\u003e\u003cli\u003e\u003cp style=\"min-height:1.5em\"\u003cstrong\u003eInvestigations - \u003c/strong\u003eAssisting in the technical set up and subsequent oversight of a new fraud investigations function\u003c/p\u003e\u003c/li\u003e\u003cli\u003e\u003cp style=\"min-height:1.5em\"\u003cstrong\u003eProviding Training - \u003c/strong\u003eDeveloping and delivering training programs to educate colleagues on cards/payment fraud prevention, detection, investigation and reporting\u003c/p\u003e\u003c/li\u003e\u003cli\u003e\u003cp style=\"min-height:1.5em\"\u003cstrong\u003eStaying Updated on Regulations - \u003c/strong\u003eKeeping abreast of changes to relevant laws, regulations and scheme rules (and associated industry good practice) and subsequently identifying potential changes to processes etc\u003c/p\u003e\u003c/li\u003e\u003cli\u003e\u003cp style=\"min-height:1.5em\"\u003cstrong\u003eLiaising with Stakeholders - \u003c/strong\u003eCollaborating with internal teams (e.g. risk, compliance, operations) and external stakeholders (e.g., law enforcement, regulators)\u003c/p\u003e\u003c/li\u003e\u003cli\u003e\u003cp style=\"min-height:1.5em\"\u003cstrong\u003eRisk Assessment -\u003c/strong\u003e Evaluating the potential for fraud in new products, services, or business processes\u003c/p\u003e\u003c/li\u003e\u003cli\u003e\u003cp style=\"min-height:1.5em\"\u003cstrong\u003eReporting -\u003c/strong\u003e Generating reports on fraud trends, investigation outcomes, and the effectiveness of fraud controls\u003c/p\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp style=\"min-height:1.5em\"\u003e\u003cstrong\u003eWhat you’ll bring:\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003eTo excel in this role, you’ll also need:\u003c/p\u003e\u003cul style=\"min-height:1.5em\"\u003eli\u003e\u003cp style=\"min-height:1.5em\"\u003eProven Fraud Expertise, with deep technical knowledge and practical experience of cards and payment fraud prevention, detection, and investigation, ideally obtained from within the financial services sector\u003c/p\u003e\u003c/li\u003e\u003cli\u003e\u003cp style=\"min-height:1.5em\"\u003eCore fraud management capabilities, systems and controls relating to:\u003c/p\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp style=\"min-height:1.5em\"\u003e- Models/rules management, data and systems optimisation\u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003e- Fraud investigation and decisioning\u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003e- Customer engagement re: fraud loss refunds, disputes resolution and complaint handling.\u003c/p\u003e\u003c/li\u003e\u003cli\u003e\u003cp style=\"min-height:1.5em\"\u003e- External engagement with law enforcement, card schemes, merchants and other cards issuers and specialist industry forums\u003c/p\u003e\u003c/li\u003e\u003cli\u003e\u003cp style=\"min-height:1.5em\"\u003e- Internal and external reporting\u003c/p\u003e\u003c/li\u003e\u003cli\u003e\u003cp style=\"min-height:1.5em\"\u003e- Ongoing validation/oversight of the underlying performance and effectiveness of the fraud TOM and control framework\u003c/p\u003e\u003c/li\u003e\u003cli\u003e\u003cp style=\"min-height:1.5em\"\u003e- Response to lost, stolen, cloned, counterfeit cards etc\u003c/p\u003e\u003c/li\u003e\u003cul style=\"min-height:1.5em\"\u003eli\u003e\u003cp style=\"min-height:1.5em\"\u003eExperience of technology-based systems for fraud detection, prevention and containment. This includes implementation and operation\u003c/p\u003e\u003c/li\u003e\u003cli\u003e\u003cp style=\"min-height:1.5em\"\u003eExperience of technology-based investigation case management systems. This includes implementation and operation\u003c/p\u003e\u003c/li\u003e\u003cli\u003e\u003cp style=\"min-height:1.5em\"\u003eAbility to analyse data, identify patterns, and draw conclusions related to fraud\u003c/p\u003e\u003c/li\u003e\u003cli\u003e\u003cp style=\"min-height:1.5em\"\u003eExcellent communication skills with the ability to communicate complex information clearly and concisely, both verbally and in writing, and the ability to explain complex concepts simply, whilst being able to adjust your messaging for different audiences\u003c/p\u003e\u003c/li\u003e\u003cli\u003e\u003cp style=\"min-height:1.5em\"\u003eProblem-solving abilities with the ability to identify and resolve fraud-related issues effectively\u003c/p\u003e\u003c/li\u003e\u003cli\u003e\u003cp style=\"min-height:1.5em\"\u003eKnowledge of relevant regulations and an understanding of relevant UK laws and regulations related to fraud and financial crime\u003c/p\u003e\u003c/li\u003e\u003cli\u003e\u003cp style=\"min-height:1.5em\"\u003eFamiliarity with fraud detection tools, databases, and other relevant technologies\u003c/p\u003e\u003c/li\u003e\u003cli\u003e\u003cp style=\"min-height:1.5em\"\u003eAbility to manage multiple projects simultaneously and meet deadlines\u003c/p\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp style=\"min-height:1.5em\"\u003eRegretfully we are not able to sponsor applicants for immigration purposes at the current time.\u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003e\u003cstrong\u003eWhat makes a great ClearBank team member? Does this sound like you?\u003c/strong\u003e\u003c/p\u003e\u003ul style=\"min-height:1.5em\"\u003eli\u003e\u003cp style=\"min-height:1.5em\"\u003eYou focus on solutions and positive outcomes, thinking radically and responsibly to find the best result for our customers, your colleagues and the bank;\u003c/p\u003e\u003c/li\u003e\u003c/ul\u003e\u003ul style=\"min-height:1.5em\"\u003eli\u003e\u003cp style=\"min-height:1.5em\"\u003eYou actively seek feedback from others to drive your growth and development, always assuming positive intent from others and develop strong, trusting relationships you’re your colleagues and customers: you really, genuinely care;\u003c/p\u003e\u003c/li\u003e\u003c/ul\u003e\u003ul style=\"min-height:1.5em\"\u003eli\u003e\u003cp style=\"min-height:1.5em\"\u003eYou always strive for the highest quality, but you know that done is better than perfect; you welcome a challenge knowing that they learn as you go and iterate;\u003c/p\u003e\u003c/li\u003e\u003c/ul\u003e\u003ul style=\"min-height:1em\"\u003eli\u003e\u003cp style=\"min-height:1em\"\u003e‘I’ before ’we’, isn’t in your vocabulary\u003c/p\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp style=\"min-height:1.5em\"\u003eIf this sounds like you then we encourage you to dust off that CV and apply!\u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003e\u003cstrong\u003eWhat we offer in return:\u003c/strong\u003e\u003p\u003e\u003cul style=\"min-height:1.5em\"\u003eli\u003e\u003cp style=\"min-height:1.5em\"\u003eWe\'re flexible – We support a culture of flexibility which allows our employees to achieve a strong work-life balance.\u003c/p\u003e\u003c/li\u003e\u003c/ul\u003e\u003cul style=\"min-height:1.5em\"\u003eli\u003e\u003cp style=\"min-height:1.5em\"\u003eOffices – Work in a way that works for you – whether that’s in the London office, at home, or hybrid.\u003c/p\u003e\u003c/li\u003e\u003c/ul\u003e\u003cul style=\"min-height:1.5em\"\u003eli\u003e\u003cp style=\"min-height:1.5em\"\u003eHoliday – 27 days of annual leave per year, plus bank holidays.\u003c/p\u003e\u003c/li\u003e\u003c/ul\u003e\u003cul style=\"min-height:1.5em\"\u003eli\u003e\u003cp style=\"min-height:1.5em\"\u003eWork abroad – You have the flexibility to work outside of the UK for up to 30 days in a rolling 12-month period.\u003c/p\u003e\u003c/li\u003e\u003c/ul\u003e\u003cul style=\"min-height:1.5em\"\u003eli\u003e\u003cp style=\"min-height:1.5em\"\u003eSocials – Regular social events open to all.\u003c/p\u003e\u003c/li\u003e\u003c/ul\u003e\u003cul style=\"min-height:1.5em\"\u003eli\u003e\u003cp style=\"min-height:1.5em\"\u003eHoliday swap – Option to swap your bank holidays to any other day of your choice.\u003c/p\u003e\u003c/li\u003e\u003c/ul\u003e\u003cul style=\"min-height:1.5em\"\u003eli\u003e\u003cp style=\"min-height:1.5em\"\u003eWellbeing – 24/7 employee assistance programme including mental health support, life assurance and income protection.\u003c/p\u003e\u003c/li\u003e\u003c/ul\u003e\u003cul style=\"min-height:1.5em\"\u003eli\u003e\u003cp style=\"min-height:1.5em\"\u003eBigger than ClearBank – Take a couple of days per year to do something that matters to you.\u003c/p\u003e\u003c/li\u003e\u003c/ul\u003e\u003cul style=\"min-height:1.5em\"\u003eli\u003e\u003cp style=\"min-height:1.5em\"\u003eHealthy living – Private healthcare and discounted dental cover, with employee perks and discounts.\u003c/p\u003e\u003c/li\u003e\u003c/ul\u003e\u003cul style=\"min-height:1.5em\"\u003eli\u003e\u003cp style=\"min-height:1.5em\"\u003eFamily – Enhanced family-friendly leave.\u003c/p\u003e\u003c/li\u003e\u003c/ul\u003e\u003cul style=\"min-height:1.5em\"\u003eli\u003e\u003cp style=\"min-height:1.5em\"\u003ePersonal development – We offer personal development budgets, opportunities to take part in role-related training and unlimited LinkedIn Learning.\u003c/p\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp style=\"min-height:1.5em\"\u003eAnd not forgetting the biggest benefit of all. The opportunity to be part of an incredible team that’s building a tech-bank fit for the future.\u003c/p\u003e\u003cstrong\u003eA little bit more about us!\u003c/strong\u003e \u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003e\u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003e\u003cstrong\u003eClearBank is Where You Can belong:\u003c/strong\u003e \u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003eAt ClearBank we think about Diversity, Equity and Inclusion (DE\u0026amp;I) a lot. Not because we think we should. But because we know we should – how else can we build a happy workforce and be successful as a business. We’re committed to making sure our teams reflect society. And we put energy and effort into making this a place where everyone feels at home, where they’re given the trust and encouragement to do their very best work. Here are some of the things we’re most proud of: \u003c/p\u003e\u003cul style=\"min-height:1.5em\"\u003e\u003cli\u003e\u003cp style=\"min-height:1.5em\"\u003e42% of our senior management roles are held by women\u003c/p\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp style=\"min-height:1.5em\"\u003eOur enhanced family leave policies\u003c/p\u003e\u003c/li\u003e\u003cli\u003e\u003cp style=\"min-height:1.5em\"\u003eLaunching our partnership with Code First Girls\u003c/p\u003e\u003c/li\u003e\u003cli\u003e\u003cp style=\"min-height:1.5em\"\u003eIncreasing awareness of neurodiversity in the workplace through our partnership with the Inclusive Group\u003c/p\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp style=\"min-height:1.5em\"\u003e\u003cstrong\u003eOur hiring process and what you can expect:\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003e\u003cstrong\u003eApplication:\u003c/strong\u003e a member of our talent acquisition team will review your application against the key requirements for the role and let you know within two weeks whether you’re moving forward to the next stage; \u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003e\u003cstrong\u003eScreening:\u003c/strong\u003e You’ll spend 30-45 minutes speaking to one of our recruiters learning more about the role and ClearBank, and we’ll get it know more about you, your experience and how your skills align with the role (this will be via phone or Teams video call). You can expect to hear back from us within seven days following this meeting (if things are taking longer than expected, we’ll let you know that too); \u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003e\u003cstrong\u003eFirst Interview:\u003c/strong\u003e You’ll spend one hour with a member of our hiring team focusing on your skills, competencies and your ways of working at the same time we’ll give you time to ask more questions about the role, the team and learn more about the ClearBank culture. This will be via Teams.  \u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003e\u003cstrong\u003eSecond Interview:\u003c/strong\u003e This will be a competency-based interview with one or more members of our team.\u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003e\u003cstrong\u003eFinal Stage: \u003c/strong\u003eYou will have a final meeting with the Head of Department. This will be around 45-60 minutes.  \u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003e\u003cstrong\u003eOffer:\u003c/strong\u003e Congratulations! Get ready to transform banking forever! \u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003e  \u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003e\u003cstrong\u003eOur commitment to you as a candidate:\u003c/strong\u003e  \u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003eWe will always try our best to get back to you within seven days of your interview whether you’ve been successful or not and provide you with feedback. Sometimes things take a little longer, so we may not have a decision to share but we will get it touch to let you know we need a little more time.  \u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003eWe’re unable to provide specific individual feedback at the application or screening stage but know that your application was reviewed and considered carefully.  \u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003eWe wish you the best of luck with your application and maybe we’ll be celebrating your new role at ClearBank soon!  \u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003e\u003cstrong\u003eEqual Opportunities\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003eClearBank is committed to ensuring equal opportunities throughout every stage of the recruitment process. ClearBank recognises that diversity is vital to the long-term success of the business in the communities and markets in which it operates. ClearBank is also a firm believer that an inclusive culture fosters greater employee engagement and collaboration. \u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003eClearBank strives for diversity and inclusion of all forms, including (but not limited to): gender, age, educational and professional background, disability, gender reassignment, marital or civil partner status, pregnancy or maternity, race, colour, nationality, ethnic or national origin, religion or belief and sexual orientation. \u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003eAs part of the Company’s commitment to equal employment opportunity, we provide reasonable adjustments, to candidates during the recruitment process, including to individuals with disabilities. We want to create a safe space that welcomes everyone so please let us know how we can accommodate you. In case you have any accessibility requirements you can share that with our Talent Acquisition team prior to your interview stage, if applicable. \u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003e\u003cstrong\u003eThe legal bit\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"min-height:1.5em\"\u003eBy submitting your CV to ClearBank Limited you are providing your consent for us to use the information you provide for recruitment purposes. For more information on how we manage your data go and check out our Candidate Privacy Notice on the ClearBank website to see how we process, manage and look after your data. You are also allowing us to communicate with you by email and telephone for recruitment purposes.\u003c/p\u003e