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

We are looking for a B2B Fraud Specialist to help protect Zopa and our customers from fraud risk across our partner portfolio.

You will focus on auto dealers, point-of-sale merchants and other B2B partners, investigating unusual changes in behaviour and helping shape the controls that keep pace with them. This is a high-impact role with visibility across a multi-million-pound budget line, giving you the opportunity to influence how Zopa grows safely, protects customers and makes effective commercial decisions.

You will work closely with colleagues across Account Management, Fraud Operations, Risk, Analytics and Commercial to understand what good partner behaviour looks like, identify emerging risks early and ensure our response is proportionate, practical and well evidenced. This is not just an alert-reviewing role: you will help improve the end-to-end approach to B2B fraud risk, from onboarding and ongoing monitoring through to enhanced due diligence, additional controls and, where needed, offboarding.

A day in the life

• Investigate monitoring alerts, unusual partner activity and changes in performance, considering partner context, customer reports, transactional data and relevant company information.

• Build a clear picture of potential fraud risk, identifying what further evidence is needed and making proportionate, well-reasoned recommendations.

• Work closely with Account Management, Fraud Operations and analysts to test concerns, challenge assumptions and agree appropriate next steps.

• Support decisions on enhanced due diligence, changes to trading terms or controls, additional friction, monitoring requirements and partner offboarding.

• Help design, document and continuously improve processes for partner risk assessments, ongoing monitoring and escalation.

• Use dashboards and data to identify unusual patterns and emerging typologies, helping to turn insight into practical action.

• Contribute to the development of effective management information, ensuring risks, trends and outcomes are clearly understood by senior stakeholders.

• Partner with Technology, Data and external providers to improve the tools, data sources and third-party solutions used for ongoing partner checks.

• Help balance customer protection, fraud prevention and commercial growth across a significant multi-million-pound area of the business.

• Keep up to date with B2B fraud trends, sharing learning and helping colleagues strengthen controls as the portfolio evolves.

About you

• Experience of fraud risk within payments, merchant processing, asset finance or another B2B environment.

• Experience gained as a fraud underwriter, fraud strategy manager, fraud analyst or second-line policy specialist.

• Strong investigative skills, with the ability to assess different sources of information, spot inconsistencies and reach sound conclusions.

• Confidence using Tableau dashboards and data to investigate trends and identify unusual patterns.

• The ability to explain fraud risk clearly and pragmatically to both technical and non-technical stakeholders.

• Curiosity, sound judgement and a practical approach to investigations and risk decisions.

• Comfort working in a fast-moving environment where priorities may shift and no two investigations are quite the same.

Bonus points for

• First-line fraud, risk or operational experience.

• Experience working with auto dealers, retailers, introducers, merchants or other third-party partner networks.

• Comfort using SQL to extract data or build monitoring scripts.

• Experience of designing fraud controls, monitoring rules or operational processes.

• An understanding of the trade-offs between risk appetite, customer outcomes and commercial

#LI-LK1

At Zopa we value flexible ways of working.

We value face-to-face collaboration and a good work-life balance. This hybrid role requires you to come to our London office 2-3 days a week.

You'll also have the option of working from abroad for up to 120 days a year!* But no matter where you are, we’ll make sure you’ve got everything you need to thrive, both in your work and home life, from day one.

*Subject to having the right to work in the country of choice

Diversity Statement

Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments.

Our approach to AI in interviews

At Zopa, AI isn't something we're testing out — it's part of how we work every day. As a proud partner of Jobs 2030, we're committed to building AI fluency across our workforce, and we expect Zopians to use AI as part of how they do their jobs.

Because of that, we want to be transparent about how we think about AI use during our hiring process.

Behavioural and competency-based interviews: please don't use AI. These conversations are designed to understand you — your experiences, your judgment, and how you've approached real situations. An AI-generated answer can't tell us that. What it can do is get in the way of us finding out whether we're the right fit for each other.

Technical interviews: it depends on the role. Some technical stages actively welcome AI use, others don't. Your Talent Partner will let you know what's expected at each stage. Where AI is part of the assessment, we'll be interested not just in the outcome, but in how you used it – the tools you chose, your reasoning, and the decisions you made along the way.