Senior Fraud and Disputes Manager

Were Capital on Tap
Capital on Tap started because small businesses were underserved. Big banks were slow their products werent fit for purpose and small business owners often couldnt access what they needed. We set out to fix that.

Today were a financial platform - not just a credit card company. We offer a best-in-class business credit card SME-focused spend management platform a savings product that hit 1 billion in funds within its first year and a growing suite of tools and financial products that make running a small business easier.

1000 employees 20bn in annual card spend 200000 customers 17000 Trustpilot reviews averaging 4.7 stars and were profitable. Weve done a pretty good job so far but were just getting started!

Manchester 3 days a week in the office.

Fraud and Disputes / Customer Operations

Were seeking an experienced Senior Leader in Fraud and Disputes Operations to lead our teams supporting our customers across the UK and US. This is a high-impact role that extends well beyond day-to-day management; and youll play a key role in defining and evolving our risk strategy enhancing our control frameworks and improving the end-to-end customer journey. Working cross-functionally across Capital on Tap youll champion continuous improvement minimise losses and play a critical role in upholding our reputation for operational excellence.

Key Responsibilities

• Lead coach and develop high-performing Fraud Prevention and Disputes Investigation teams fostering a culture of excellence and continuous improvement.
• Oversee day-to-day fraud and disputes operations including capacity planning scheduling SLA management training and competency development.
• Ensure full compliance with UK and US regulatory requirements scheme rules and deadlines staying current with evolving industry standards.
• Monitor emerging fraud trends and collaborate with second line of defence teams to implement and refine fraud and disputes strategies.
• Design and maintain robust control frameworks to minimise financial losses manage operational risk and act as an escalation point for complex cases.
• Leverage technology and data to optimise processes enhance customer experience and track KPIs/KRIs to drive performance and continuous improvement.

Were Looking For

• An experienced financial services leader specialising in disputes and fraud with a focus on business customers.
• An adaptable and pragmatic leader with a hands-on solutions-driven approach to problem solving.
• A proven track record of leading high-performing teams in fast-paced dynamic environments.
• A subject matter expert with deep knowledge of regulatory and legal requirements and extensive experience in risk assessment and control design and testing.
• An analytical thinker skilled in interpreting complex data and driving evidence-based decision-making.

Our Values & Culture

• Just Pilot: We never settle for good enough. We pilot new ideas fast ask questions to figure it out and scale quickly.
• Why Not Today Fast is as slow as we go - speed and simplicity gives us a competitive advantage.
• Be a Buddy: We tap in from day one to help the team we do the right thing even if its hard.
• Owners and Dates: We dont chase people. If you own a task and agree to a date the expectation is that it gets done.
• Feedback: We want our employees to flourish so we regularly provide direct and constructive feedback.

Interview Process

• Stage 1: 30 minute call with a Talent Partner
• Stage 2: 60 minute interview with our Customer Operations Director
• Stage 3: 60 minute interview with our People team and a peer

Diversity & Inclusion
We welcome consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives and everyone can do their best work.

Great Work Deserves Great Perks
We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table arcade machine beer tap and a couple of office dogs thrown in for good measure. Check out our benefits:
Private Healthcare including dental and opticians services through Vitality
Worldwide travel insurance through Vitality
Anniversary Rewards (-week fully paid sabbatical)
Salary Sacrifice Pension Scheme up to 7% match
Octopus EV Salary Sacrifice Scheme
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 in our offices

Check out more of our benefits values and mission here.

Other Info
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Excited to work here Apply!
If youd like to progress your career within our fast growing profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.)

Required Experience:

Manager

Employment Type : Full Time
Experience: years
Vacancy: 1