Head of Fraud

Northreach is a dynamic recruitment agency that connects businesses with top talent in financial services, fintech, and digital sectors. We specialize in providing a seamless recruitment experience for clients and candidates, fostering innovation and professional growth. 🧩 ABOUT THE COMPANY A scaling fintech operating within the payments and financial services sector. The business provides regulated payment solutions to a diverse customer base and has built a strong reputation for combining technology, compliance, and customer experience. With continued growth across its payments platform and merchant portfolio, the company is investing heavily in its risk and fraud capabilities to support long-term expansion. 🚀 THE ROLE * Own the fraud strategy across the entire customer and transaction lifecycle * Lead fraud prevention, transaction monitoring, and risk controls * Build scalable frameworks to reduce fraud losses while maintaining customer experience * Partner closely with Compliance, Operations, Product, and Commercial teams * Develop fraud policies, governance, and reporting frameworks * Build and mentor a growing fraud and risk function 🎯 KEY RESPONSIBILITIES * Design and execute the company's fraud prevention strategy * Monitor transaction activity and emerging fraud trends * Develop controls to mitigate payment fraud, account takeover, merchant fraud, and financial crime risks * Optimise fraud detection rules, workflows, and monitoring tools * Analyse fraud losses and identify opportunities for continuous improvement * Work closely with onboarding and compliance teams to strengthen customer due diligence processes * Produce fraud MI, reporting, and executive-level insights * Manage relationships with external fraud technology providers and partners * Support regulatory audits and internal governance requirements * Lead fraud investigations and escalations where required ✅ REQUIREEMENTS * Significant experience in Fraud, Financial Crime, Risk, Payments, or Transaction Monitoring * Leadership experience within fintech, payments, banking, e-money, acquiring, or merchant services * Strong understanding of fraud typologies, chargebacks, merchant risk, and transaction monitoring * Experience developing fraud controls and prevention frameworks * Strong analytical and data-driven decision-making capability * Experience working with fraud tools, monitoring platforms, and risk systems * Excellent stakeholder management and communication skills