Fraud Investigator

About this role

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.