Fraud Investigator and Underwriter

Team Consumer Finance

Location Bishopsgate

County London

Ref # 16734

Closing Date 29-Jul-2022

As a Fraud Investigator and Underwriter at Metro Bank you will support the Retail Credit Team. You must have fantastic communication skills and the ability to ask the necessary questions and obtain the required information.  We are looking for someone with existing fraud experience, someone that is a fast learner and somebody that is extremely reliable. The ideal candidate will have had experience working within a fraud investigation department previously, and have a genuine interest in all things Fraud.

You will be part of a fast growing and successful company at the forefront of a sector poised to change the face of modern finance forever. The role is perfect for an ambitious and talented individual who wants to make an impact from day one.

Depending on the team, most of our roles offer flexible working.

So what would you be doing?...

•Investigating fraudulent activity by analysing all available information, including bureau data, contact details, bank account information, 3rd party software and identity documents, to reach a decision on whether to lend.
•Taking ownership of customer queries through to resolution, via telephone and mail, maintaining a professional and courteous manner at all times.
•Completing the review and assessment of each referred application within agreed SLA’s.
•Accurately filing relevant information on the CIFAS database in accordance with the CIFAS rules.
•Following existing fraud and credit policy/processes, whilst actively seeking out current vulnerabilities or new ways of identifying fraud in our systems and suggesting ways to mitigate these.
•Building and maintaining effective working relationships across the business, specifically across, Consumer Finance, Credit Risk Analytics, Customer Operations and Collections to ensure the smooth delivery of underwriting objectives and fraud avoidance   
•Interacting with 3rd party suppliers (including affiliates, credit reference, debt collection agencies, police etc)
• Identifying new and existing fraud trends.


You need to be this kind of person…

• Passionate about providing unparalleled levels of service and convenience for customers
• Able to work and learn quickly in a fast paced, fun and dynamic environment
• Prepared to stick at something – we get nervous if someone has jumped from job to job as we want people who are prepared to learn and grow
• Care about doing a great job and exceeding expectations with the quality of what you do

And... we are a bank so risk is a part of everything we do. We love people who take responsibility, do the right thing for customers, colleagues and Metro Bank and have the courage to call out any concerns.

We always support colleagues to develop their skills. But to be successful in this job you really do need to already be able to do most of these wonderful things...

• Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders
• You should have at least 2 years’ experience and knowledge in using financial crime industry software solutions, CIFAS, Call Credit, Experian or Sira.
• You will have strong experience identifying and investigating fraudulent cases.
• It is essential that you have a clear understanding of the FCA regulations and guidelines relevant to role
•Ideally you will have experience working within a digital or financial services environment.
•You should have a natural inclination and affinity for all things fraud: Ability to think like a fraudster and anticipate vulnerabilities and potential exploitation.

Important Footnote Diverse teams really are the best teams. We know that candidates (especially women, research tells us) may be put off applying for a job unless they can tick every box.  We also know that ‘normal’ office hours aren’t always doable, and while we can’t accommodate every flexible working request we are happy to be asked.  So if you are excited about working with us and think you can do much of what we are looking for but aren’t sure if you are 100% there yet… why not give it a whirl? Please note that sometimes we may close a job earlier for applications if we are inundated with amazing candidates.. Good luck!


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