Lendable

Head of Fraud Operations

Lendable

full-time

Posted on:

Location Type: Hybrid

Location: London • United Kingdom

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Job Level

Lead

About the role

  • Design and deliver Lendable’s fraud operational strategy, including technical enhancements and vendor selection, to scale with the company's growth and complexity.
  • Lead the first line of defence fraud operations, overseeing the development, testing, and deployment of investigative processes and controls.
  • Rigorously use data and real-time analysis to drive decision-making, evaluate program performance, and forecast key fraud P&L drivers.
  • Partner closely with the Head of Compliance, Director of Enterprise Risk, COO, and product teams to ensure a coordinated approach to risk.
  • Own and manage compliance vendor relationships, including sourcing, monitoring, and contractual continuity.
  • Serve as the primary point of contact for industry forums and regulators, drafting responses to external requests and coordinating audits with CIFAS.
  • Drive a continuous reduction in fraud losses while optimising detection strategies and increasing fraud awareness across the business.
  • Foster an innovative, risk-aware culture that empowers the team to achieve regulatory objectives and operational efficiency.
  • Conduct 1LoD risk assessments for new features and products, ensuring appropriate controls are in place prior to deployment.

Requirements

  • At least 6 years of experience in a fraud or fintech environment, with a proven track record in senior management or leadership roles.
  • Deep understanding of UK regulatory frameworks (FCA, PSR) and industry standards, including exposure to US fraud mitigation.
  • Familiarity with fraud detection platforms, transaction monitoring systems, and the ability to analyse data for strategy recommendations.
  • Expert knowledge of credit card disputes & chargeback rules and Section 75 legislation.
  • Professional certifications such as ICA or ACAMS are highly desirable.
  • A history of taking individual ownership and delivering results across operations, compliance, and engineering functions.
  • Experience of working with CIFAS and key industry bodies, such as UK Finance, to align with evolving regulatory standards and industry best practices.
Benefits
  • Best-in-class compensation, including equity
  • Work from home every Monday and Friday if you wish
  • Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks in the office every Tuesday-Thursday.
  • We care for our Lendies’ well-being both physically and mentally, so we offer coverage when it comes to private health insurance
  • We're an equal-opportunity employer and are looking to make Lendable the most inclusive and open workspace in London
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
fraud operational strategydata analysisinvestigative processesrisk assessmentsfraud detectiontransaction monitoringcredit card disputeschargeback rulesSection 75 legislationcompliance management
Soft Skills
leadershipdecision-makingcollaborationcommunicationinnovationrisk awarenessownershipoperational efficiencystrategic thinkingteam empowerment
Certifications
ICAACAMS