Financial Crime Fraud Investigations Team Leader (Cards) - 12 months FTC Öppnas i nytt fönster

Handelsbanken; Manchester; On-site; GBP 50,000 - 70,000; Full time

Job summary

A leading financial institution in the UK is seeking a Financial Crime Fraud Investigations Team Leader to manage a team focused on card fraud. This role involves leading investigations, maintaining compliance with regulatory standards, and collaborating with various stakeholders. The ideal candidate will possess extensive experience in financial crime prevention, excellent leadership skills, and a strong analytical mindset. The position is based in Manchester and offers competitive compensation and benefits.

Benefits

Competitive Salary

Private medical insurance

Pension contribution of 15%

Qualifications

• Experience in a 1st line Financial Crime function within a financial services environment.
• Excellent understanding of card fraud typologies and trends.
• Experience of managing and mentoring a team.
• Strong analytical skills with attention to detail.
• Ability to work under pressure and make sound decisions.

Responsibilities

• Lead card fraud investigations and ensure thorough documentation.
• Manage a team and coordinate case loads effectively.
• Collaborate with stakeholders to support fraud responses.
• Maintain records and analyze fraud data for decision-making.
• Implement policies aligned with regulatory standards.

Skills

Experience in Financial Crime function

Understanding of card fraud typologies

Team management and mentoring

Knowledge of fraud detection systems

Regulatory knowledge (PSD2, FCA, etc.)

Analytical skills

Tools

3-D Secure

MasterCard Secure

Falcon

SAS

LexisNexis

Job description

The following content displays a map of the jobs location - Manchester

Handelsbanken UK’s Financial Crime Prevention Function provides first-line defence against financial crime, including Fraud, Anti-Money Laundering, Counter Terrorist Financing, Sanctions, Tax Evasion, and Anti-Bribery & Corruption.

The Fraud & Anti-Bribery & Corruption team is responsible for fraud investigation, funds recovery, customer protection, process improvement, and liaison with external agencies.

The Financial Crime Fraud Investigations Team Leader (Cards) reports to the Financial Crime Operations Manager and works closely with the Card Fraud SME to maintain effective oversight, controls, and management of card fraud activity.

The role is a direct first line team leader with day-to-day responsibility for managing, the card fraud response and investigations team. The purpose of the team responds to reported incidents of card fraud, ensure that all funds are recovered where possible and that all reports of card fraud are appropriately investigated.

The role also deputises for the Operations Manager, provides guidance and mentorship to other members of the team, performs QC a function and allocates BAU activity across the team.

Specific responsibilities of the Financial Crime Fraud Team Leader (Cards):

Team Leadership and management

• Line management responsibilities for card fraud team members
• Build and maintain a high-performing team culture through regular communication, coaching, mentoring, feedback and team-building activities.
• Review and approval of card fraud investigation decision from the team
• Act as a key point of contact for external financial institutions investigating or reporting suspicious or fraudulent card transactions.
• Work collaboratively with internal stakeholders across branches, Head Office Functions, and specialist teams, providing guidance and insight to support the wider fraud response.
• Assist in the coordination of meetings and discussions with management, ensuring actions are understood and progressed.
• Data, Reporting & Record Keeping
• Collate and analyse data from multiple systems to create meaningful management information (MI) that supports effective decision-making.
• Maintain clear and organised records, ensuring historic data, key decisions and investigation outcomes are traceable and easily accessible.
• Assess the effectiveness of existing card fraud rules and controls, implementing enhancements to improve performance against emerging fraud threats.
• Support the build, design, and ongoing development of the UK card fraud function, including the establishment and refinement of procedures, processes, and record-keeping practices.
• Coordinate incident reviews with management and stakeholders to address control gaps and ensure corrective actions are implemented.
• Contribute to first-line fraud and financial crime policies and procedures, ensuring they remain accurate, effective, and aligned with regulatory expectations.
• Provide support to business-as-usual workstreams and assist with ad-hoc assessments or projects as required.
• Actively promote and ensure adherence to the Bank's Risk Management framework (including sub-frameworks) and relevant risk and compliance policies and procedures, ensuring timely and appropriate escalation of concerns to relevant senior stakeholders.

Investigation and case management

• Lead the investigation of all referred card fraud cases, ensuring they are thoroughly evidenced, clearly documented, and completed to a high standard, even when working to tight deadlines or under pressure.
• Manage highly sensitive or complex cases that require significant discretion and sound judgement.
• Allocation of case load to team, oversight of workload
• Analyse facts quickly and logically to determine an effective response and ensure timely escalation of high-value or high-risk incidents.

Ideal Candidate

Research (by Harvard University) shows that women are particularly likely to second guess themselves and not apply - so if you are worried you don't meet all the criteria, get in touch anyhow and let us do the worrying…

• Experience of working in a 1st line Financial Crime function within a financial services environment
• Excellent understanding and experience of card fraud typologies, trends and enablers
• Experience of managing/mentoring and developing members of a team
• Excellent understanding and experience of working with fraud detection systems, authentication protocols and services such as 3-D secure, MasterCard Secure, Falcon, RSA, SAS, TSYS, LexisNexis etc.
• Experience of implementing and managing card specific fraud prevention rules and assessing rule performance, plastic card chargeback and disputes rights
• Excellent understanding of the changing regulatory landscape in relating to fraud prevention including but not limited to PSD2, FCA, PRA, PSR and AML requirements
• Experience and knowledge of business/banking processes, especially around payment/transaction processing systems and controls
• Awareness of wider legislation and UK initiatives pertaining to fraud offences and the rights of victims
• Excellent communication and decision-making skills with the ability to demonstrate sound judgement and reflect the right business culture
• Strong analytical skills and the ability to work well under pressure with attention to detail, presenting information in a clear and concise manner
• Be a self-starter and able to work on individual basis as well as part of a team
• Card fraud investigation where SME experience is required

Company Information

Handelsbanken is a relationship bank with a decentralised way of working, a strong local presence thanks to a nationwide network of branches, and a long-term approach to customer relations. Each Handelsbanken branch operates as a local business enabling it to make decisions at a local level and provide a bespoke service. The focus is always on the need of the individual customer and not on the sale of specific products.

The Bank is deeply committed to embedding good equality and diversity practice into all of our activities. This is so that we are an inclusive, welcoming and inspiring place to work that encourages everyone to apply, regardless of socio-economic background, age, disability, pregnancy and/or parental status, race (including colour, nationality, and ethnic or national origin), veteran status, marital and civil partnership status, religion or belief, sex, gender reassignment or sexual orientation.

At Handelsbanken, we deeply value our unique culture and values including trust in and respect for each individual. We take pride in nurturing a work environment where people flourish, and where they are empowered to take decisions in their areas of expertise. We take a long term perspective in everything we do and want each employee who joins us to build a long terms successful career with the Bank.

What is in it for you?

• We have a wide range of learning and development available, empowering and enabling our colleagues to take ownership of their own development.
• Competitive Salary and an extensive range of benefits is provided, including private medical insurance, income protection and life assurance
• A market-leading pension contribution of 15% paid by the bank, which can be invested in a wide range of funds (including ESG and Shariah funds)

Application next steps

Your journey with us begins once you have submitted your application. One of our Handelsbanken recruiters will be reviewing your details and will later organise a phone conversation if you match the role requirements. If there is a mutual fit, we will extend an invitation for you to participate in an interview.

How can we support you to be your best self? Our Talent Acquisition team will be happy to provide support e.g. if you need additional time to prepare for an interview or you have any requirements for any part of the interview/hiring process – just let us know by email [e-mail] .

This advert will be live for a minimum of two weeks. However, please note that after the two weeks, the closing date could change at any time depending on the number of responses received.