Fraud Investigations Specialist

GoCardless

About us GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking.  GoCardless processes US$130bn+ of payments annually, across 30+ countries; helping customers collect and send both recurring and one-off payments, without the chasing, stress or expensive fees. We use AI-powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks, we help our customers make faster, more informed decisions. We are headquartered in the UK with offices in London and Leeds, and additional locations in Australia, France, Ireland, Latvia, Portugal and the United States. At GoCardless, we're all about supporting you! We’re committed to making our hiring process inclusive and accessible. If you need extra support or adjustments, reach out to your Talent Partner — we’re here to help!  And remember: we don’t expect you to meet every single requirement. If you’re excited by this role, we encourage you to apply! THE ROLE The Fraud Risk Management team ensures that GoCardless adopts, implements and maintains innovative and appropriate controls as we have a duty to banking partners, regulators, schemes, merchants and their customers to review and monitor accounts and transactions with the utmost care. As a Fraud Investigator you’ll be working as part of a small, close-knit team, conducting fraud investigations, with the aim of protecting GoCardless from fraud, financial and reputational risk.  On a daily basis you will: * Monitor the risk alert queue and identify high risk behaviour within the business portfolio  * Conduct fraud investigations within service level agreements to reduce potential revenue losses  * Attain a thorough understanding of GoCardless’ product, policies and processes  WHAT EXCITES YOU  * The opportunity to work in a high performing team and make important daily decisions that can make an impact on GoCardless’s future success * Having the opportunity to learn more about data and how to use it to make informative decisions across the business * Working in a global fraud team where you can share experiences and learn from other team members who come from a variety of industries  WHAT EXCITES US   * You have some experience in a fraud investigations role or similar and are looking for your next challenge * You use logic and reasoning to separate legitimate behaviour from suspected illicit activity * You understand the implications of new information for both current and future problem-solving and decision-making * You use your written English skills to strike the right tone with internal and external stakeholders. * You’re driven by initiative, and understand the impact of every decision you make on our merchants * Results-focused: You can prioritise, organise, and show initiative and willing to get the job done  We don’t expect you to meet every requirement. If you’re excited by this role, we encourage you to apply. Base salary range: €1,600 - €2,400 (gross). Base salary ranges are based on role, job level, location, and market data.  Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid-point (€1,600 - €2,000) of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work. (SOME OF) THE GOOD STUFF * Wellbeing - stay healthy with dedicated support and medical cover * Work away scheme - gives you the option to work away from your country of residence for up to 90 days in any 12 month period * Adaptive Working - allows you to work flexibly, around your lifestyle * Equity - all permanently employed GCs get equity to help you make a valuable contribution * Parental leave - to suit everyone embarking on life's great adventure * Learning Budget - lead your own development with an annual learning budget * Time off - generous holiday allowance, + 3 annual volunteer days, + 4 annual business-wide wellness days (‘GC Fridays’) LIFE AT GOCARDLESS   We're an organisation defined by our values; We start with why before we begin any project, to ensure it’s aligned with our mission. We act with integrity, always. We care deeply about what we do and we know it's essential that we be humble whilst we do it. Working this way creates the GC magic- the reason we all love showing up to work.  DIVERSITY & INCLUSION As of April 2025, we had 806 employees (GeeCees) globally, with 524 based in the UK, 163 based in Latvia and 119 across our other offices. To ensure that we're representative of the world around us - and to be able to review relevant benchmarks - we ask GeeCees to voluntarily disclose diversity data. This year, the proportion of GeeCees providing data increased to 88% (up from 79% in 2024). With regards to diversity within GoCardless, we can see GeeCees identifying as: Asian, Black, Mixed or Other — 25%  Neurodiverse — 9%  LGBTQIA+ — 9%  Disabled — 1%  Average age — 33 Female — 45% Male —  55%  We’re rooting for you during your application and GoCardless aims to provide reasonable adjustments to make our recruitment process as remarkable and accessible as we can. Please speak to your Talent Partner if you need extra support. If you want to learn more, you can read about our Employee Resource Groups and objectives here Sustainability We’re committed to reducing our impact on the environment, leaving a more sustainable world for future generations. Check out our sustainability action plan here. Find out more about Life at GoCardless via Twitter, Instagram and LinkedIn.

GoCardless

About us GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking.  GoCardless processes US$130bn+ of payments annually, across 30+ countries; helping customers collect and send both recurring and one-off payments, without the chasing, stress or expensive fees. We use AI-powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks, we help our customers make faster, more informed decisions. We are headquartered in the UK with offices in London and Leeds, and additional locations in Australia, France, Ireland, Latvia, Portugal and the United States. At GoCardless, we're all about supporting you! We’re committed to making our hiring process inclusive and accessible. If you need extra support or adjustments, reach out to your Talent Partner — we’re here to help!  And remember: we don’t expect you to meet every single requirement. If you’re excited by this role, we encourage you to apply! THE ROLE You will be the first point of contact for GoCardless users and partners, resolving their queries, improving their onboarding experience, and helping them to navigate the GoCardless product. You’ll also be verifying new accounts to ensure they meet the guidelines and are able to transact safely on the GoCardless platform. You will be speaking to English-speaking clients on a daily basis through emails, chats and phone calls. You’ll also be collaborating with internal teams such as Payment Operations, Engineering, Customer Success, and more… In doing this role, you’ll develop a thorough understanding of financial services, particularly in bank payments, direct debit, and open banking. Here, you will have the opportunity to grow with a business that’s looking to pioneer a new age of payments.  We work with tools such as Zendesk, Slack, Jira, and more, so if you’re familiar with those - you’ll be ready and set. We are looking to fill roles in shifts: 1) Rotation Shift: Working through 4 days (4 days working, 4 days off, etc), 8 am - 8 pm, after probation, working in a hybrid way 2) Regular Shift: Monday through Friday, working time changing every week (8 am - 5 pm; 9 am - 6 pm; 10 am - 7 pm), working in a hybrid way   Probation Time: 2 months, Monday - Friday, 10 am - 7 pm, onsite   WHAT EXCITES YOU  * Helping people grow their businesses and client bases * Investigating problems and solving them efficiently with team work * Working in a diverse team, with some office time to collaborate * Growing and developing your career proactively   WHAT EXCITES US   * Stellar communication skills both externally and internally * Proactive mindset, not afraid to investigate first, then ask * Tech-savviness & ability to learn complex ideas quickly * Experience in using Zendesk, Slack, and Jira * Fluent English  * Eagerness to bring ideas to and improve internal processes * Positive mindset to change   Base salary range: €15,600 - €23,400 Base salary ranges are based on role, job level, location, and market data.  Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid-point of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work. (SOME OF) THE GOOD STUFF * Wellbeing - stay healthy with dedicated support and medical cover * Work away scheme - gives you the option to work away from your country of residence for up to 90 days in any 12 month period * Adaptive Working - allows you to work flexibly, around your lifestyle * Equity - all permanently employed GCs get equity to help you make a valuable contribution * Parental leave - to suit everyone embarking on life's great adventure * Learning Budget - lead your own development with an annual learning budget * Time off - generous holiday allowance, + 3 annual volunteer days, + 4 annual business-wide wellness days (‘GC Fridays’) LIFE AT GOCARDLESS   We're an organisation defined by our values; We start with why before we begin any project, to ensure it’s aligned with our mission. We act with integrity, always. We care deeply about what we do and we know it's essential that we be humble whilst we do it. Working this way creates the GC magic- the reason we all love showing up to work.  DIVERSITY & INCLUSION As of April 2025, we had 806 employees (GeeCees) globally, with 524 based in the UK, 163 based in Latvia and 119 across our other offices. To ensure that we're representative of the world around us - and to be able to review relevant benchmarks - we ask GeeCees to voluntarily disclose diversity data. This year, the proportion of GeeCees providing data increased to 88% (up from 79% in 2024). With regards to diversity within GoCardless, we can see GeeCees identifying as: Asian, Black, Mixed or Other — 25%  Neurodiverse — 9%  LGBTQIA+ — 9%  Disabled — 1%  Average age — 33 Female — 45% Male —  55%  We’re rooting for you during your application and GoCardless aims to provide reasonable adjustments to make our recruitment process as remarkable and accessible as we can. Please speak to your Talent Partner if you need extra support. If you want to learn more, you can read about our Employee Resource Groups and objectives here Sustainability We’re committed to reducing our impact on the environment, leaving a more sustainable world for future generations. Check out our sustainability action plan here. Find out more about Life at GoCardless via Twitter, Instagram and LinkedIn.

Zopa

Our Story Hello there. We’re Zopa. We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and we launched Zopa Bank. A bank that listens to what our customers don’t like about finance and does the opposite. We’re redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre — we’ve built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our fantastic offerings at Zopa.com!  We’re incredibly proud of our achievements and none of it would be possible without the amazing team here. It’s not just industry awards we’re winning, we’ve also been named in the top three UK’s Most Loved Workplaces.  If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you’ll thrive here at Zopa, so join us, and make it count. Want to see us in action? Follow us on Instagram @zopalife The role: As a Fraud Team Leader at Zopa, you’ll lead the day-to-day running of our fraud investigations and recovery team within the Fraud Operations Tribe. You’ll manage and motivate a team of fraud specialists to deliver great customer outcomes, in line with Zopa’s purpose - ‘Home of Money’.  You’ll bring deep knowledge of fraud typologies, operations and processes across multiple products, a strong grasp of relevant regulation and law, and the confidence to handle impersonation, scams, account takeover and complex cases. Just as important, you’ll use data and insight to drive team performance, build a customer-first culture, and keep improving how we work - including how we use AI.  Working Pattern: This is a hybrid role, with the team working in the office 1 day a week. Your working week will consist of 7.5 hour shifts scheduled between 8:00 am and 8:00 pm, Monday to Friday. You will also be required to work one day of the weekend every other week, from 9:00 am to 5:30 pm, which will be worked remotely. If you work a weekend day, you will receive a day off during the week in lieu. In addition, you will be required to work some bank holidays per year, for which you will receive time off in lieu.