We're Capital on Tap Capital on Tap started because small businesses were underserved. Big banks were slow, their products weren't fit for purpose, and small business owners often couldn't access what they needed. We set out to fix that.

Today we're a financial platform - not just a credit card company. We offer a best-in-class business credit card, SME-focused spend management platform, a savings product that hit £1 billion in funds within its first year, and a growing suite of tools and financial products that make running a small business easier.

1,000+ employees, £20bn in annual card spend, 200,000+ customers, 17,000+ Trustpilot reviews averaging 4.7 stars, and we're profitable. We've done a pretty good job so far, but we're just getting started!

Cardiff | 3 days a week in office, 2 days at home

Fraud / Customer Operations The Fraud team works to help keep our customers safe. You won't just be working through alerts, but owning end-to-end investigations of complex cases and sophisticated fraud rings. Your knowledge will influence how we build our defenses and you'll mentor more junior members of the team.

What You'll Be Doing

• Complex Investigations: Lead deep-dive investigations into high-value cases and emerging, sophisticated fraud MOs.
• Strategic Input: Don't just spot a trend, propose the specific rule changes or process improvements needed to stop fraud & scams.
• Data Interrogation: Use Excel and SQL to analyze fraud data, identifying vulnerabilities in our current controls.
• Technical Ownership: Handle the most difficult "end-to-end" cases, including high-stakes customer escalations and external reporting.
• Collaboration & Mentorship: Act as a point of escalation for Junior Investigators, sharing your knowledge and helping calibrate the team's decision-making.
• Risk Balancing: Use expert judgment to minimize friction for legitimate customers while maintaining a hard line against bad actors.

Our Values & Culture

• Just Pilot: We never settle for "good enough". We pilot new ideas fast, ask questions to figure it out, and scale quickly.
• Why Not Today? Fast is as slow as we go - speed and simplicity gives us a competitive advantage.
• Be a Buddy: We tap in from day one to help the team, we do the right thing even if it's hard.
• Owners and Dates: We don't chase people. If you own a task and agree to a date, the expectation is that it gets done.
• Feedback: We want our employees to flourish, so we regularly provide direct and constructive feedback.

We're Looking For

• Proven Track Record: At least 1+ years of experience in a dedicated Fraud role.
• Analytical Depth: Ability to connect the dots between seemingly unrelated alerts to uncover larger fraud patterns.
• Problem Solver: A proactive mindset, you see a gap in a process and you're already thinking of the solution.
• Technical Proficiency: Comfortable using Excel to manipulate data; SQL skills are highly preferred to help drive data-led decisions.
• Independence: Able to manage a complex caseload with minimal supervision, making high-stakes decisions confidently.

Interview Process

• Stage 1: 30 minute intro and values call with a Talent Partner
• Stage 2: 60 minute technical assessment with a manager in the Fraud team (in person or virtual)

Diversity & Inclusion
We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.

Great Work Deserves Great Perks We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:
Salary: £30,000-34,000 (depending on experience)

Private Healthcare including dental and opticians services through Vitality
Worldwide travel insurance through Vitality
Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
Salary Sacrifice Pension Scheme up to 7% match
Octopus EV Salary Sacrifice Scheme
28 days holiday (plus bank holidays)
Annual Learning and Wellbeing Budget
Enhanced Parental Leave
Cycle to Work Scheme
Season Ticket Loan
6 free therapy sessions per year
Dog Friendly Offices
Free drinks and snacks in our offices

Check out more of our benefits, values and mission here.

Other Useful Info
Check out our 'Top Tips' for interviewing.
• Keep updated on new job opportunities by following us on Linkedin.
Email careers@capitalontap.com if you have any questions.

Excited to work here? Apply! If you'd like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.)

Other Info Check out our 'Top Tips' for interviewing.
• Keep updated on new job opportunities by following us on Linkedin.
Email careers@capitalontap.com if you have any questions.

Excited to work here? Apply! If you'd like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.)