Senior Data Analyst - Fraud & Financial Crime

We are looking for a Senior Fraud Analyst to join our growing Fraud Analytics team at Zopa. This role plays a critical part in protecting our customers and the business from fraud, using data, analytics and judgement to drive real-time and strategic decisioning. You will lead complex fraud analysis independently, support incident response, and act as a senior analytical escalation point within the team. A day in the life

• Acting as a senior point of escalation during fraud incidents, supporting prioritisation and decision making
• Leading end-to-end fraud analysis using SQL and Python to detect, investigate and mitigate fraud risks
• Taking real-time analytical input into fraud blocks, controls and interventions
• Optimising fraud rules and supporting the monitoring of machine learning models
• Improving onboarding and account-level controls to prevent bad actors entering the ecosystem
• Creating and maintaining fraud reporting and dashboards using Tableau
• Working closely with Fraud Strategy, Fraud Operations, Product and Engineering teams
• Supporting the Fraud Analytics Manager as a senior individual contributor and trusted partner
• Participating in the on-call rota, typically one week per month, supporting out-of-hours fraud incidents with additional pay
  
  Analytical experience with advanced SQL
• Python experience for data analysis
• Proven ability to own complex, ambiguous analytical problems end-to-end
• Experience translating analysis into clear, actionable recommendations
• Confidence working with senior stakeholders in a fast-paced environment
• Ability to remain calm and make sound decisions under pressure
• Experience in fraud, financial crime or risk analytics is a plus
• Exposure or an interest in fraud decisioning systems or real-time monitoring tools
• Prior experience in using live decisioning systems or working with machine learning models
• Background in Fraud/ Fincrime (or similar setting)
• Fintech, banking or high-growth tech environments would be ideal
Interview Stages
• 1. Recruiter Screening (30 mins)
• Focus: motivation, problem-solving mindset, technical background, and interest in fraud analytics.
• 2. SQL Technical Assessment (1 hour Zoom)
• Focus: writing clean, accurate SQL
• 3. Fraud Analytics Case Study (1 hour Zoom)
• Focus: how you approach a fraud problem end-to-end. No prior fraud experience required - we're testing thinking, structure, and communication.
• 4. Final Interview (1 hour in-office)
• Focus: competencies, collaboration, decision-making under pressure, and alignment with Zopa's values.
  
  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.
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. The Role in a Nutshell This is one of the most impactful analytics roles at Zopa. As a Level 11 Senior Data Analyst, you'll use data to protect customers and the bank from fraud in real time, while making sure genuine customers experience as little friction as possible. You'll sit in the Fraud Analytics team, which acts as the analytical engine behind Zopa's fraud strategy. The work is fast-paced, highly visible, and directly influences live decisions that affect customers every day. Why This Role Exists Fraud threats evolve constantly. Zopa is scaling its products and customer base, and strong fraud analytics is critical to doing that safely.