Fraud Manager

"Help protect our customers and our business in a growing, digitally‑enabled bank."

At Castle Trust Bank, we are a specialist UK challenger bank providing property mortgages, retail finance lending and savings products to a wide range of customers. As we continue to grow and evolve, protecting our customers and the Bank from fraud is more important than ever.

We are looking for an experienced Fraud Manager to take end-to-end ownership of fraud management across the Bank, with primary responsibility for our Omni retail finance business. This is a highly visible role, working across Operations, Risk, Compliance, Finance and Commercial teams, with real influence over how fraud risk is identified, managed and mitigated across all business lines.

This is a hybrid role based in Basingstoke, with an expectation of 3 days per week in the office.

What you’ll deliver

As part of our Compliance function, you will:

• Own and execute the Bank’s fraud management strategy across all business lines, including Omni (retail finance), Property and Savings.
• Lead fraud prevention, detection and investigation activity, with a particular focus on Omni as the highest-volume and most dynamic fraud risk area.
• Analyse fraud trends and behaviours across products and channels, using insight to strengthen controls and reduce losses.
• Lead timely and effective fraud investigations, minimising customer detriment and financial exposure.
• Maintain and enhance fraud rules, tools and systems in partnership with Risk and Operations, ensuring consistency and scalability across the Bank.
• Produce clear fraud MI, root cause analysis and post-incident remediation actions for senior stakeholders and committees.
• Maximise fraud recoveries and manage financial impacts including chargebacks and write-offs.
• Work closely with Legal, law enforcement and external agencies on fraud cases and resolutions.
• Ensure fraud policies, procedures and controls remain effective, up to date and compliant across all business areas.
• Support the continued development of the Bank’s wider financial crime framework, ensuring alignment between fraud risk and broader financial crime controls.

What you’ll bring

We’re looking for a confident, analytical and collaborative fraud professional with:

• Proven experience in fraud management within a financial services environment (essential/minimum requirement)
• Strong understanding of fraud risks across lending and/or savings products, including retail finance, mortgages or deposits (essential/minimum requirement)
• Deep knowledge of fraud behaviours, tools, controls and UK market best practice (essential/minimum requirement)
• Excellent investigation and root cause analysis skills.
• The ability to communicate complex issues clearly to senior stakeholders.
• Experience working with external bodies such as Action Fraud, law enforcement, FOS or credit reference agencies.
• A proactive, adaptable approach, able to operate effectively in a fast-moving environment.

Why join Castle Trust Bank?

• Competitive salary
• Performance bonus (based on individual and company performance)
• Generous contributory pension through Hargreaves Lansdown
• Life Assurance
• 25 days’ holiday + option to buy/sell 5 days
• Additional paid volunteering day
• Private healthcare through Equipsme (includes cash back for Dental and Optical treatment)
• Free access to BHSF Rise EAP to support colleague health and wellbeing
• Gym discounts
• Season ticket travel loans (if applicable)
• A supportive, inclusive culture where your work has real impact

Caught your attention? If so, we’d love to talk to you and tell you more about what it’s like to work at Castle Trust Bank – The Place To Work!

Castle Trust Bank is an equal opportunity employer where we celebrate diversity and are committed to creating an inclusive environment for all our colleagues to thrive. We welcome applications from all and will not discriminate against any status/characteristic protected by law and will always base our decisions on merit.

We are proud to support people with disabilities and are committed to be a Disability Confident employer. If you are a person with a disability and meet the minimum criteria for the role you will be offered an interview. Should you require any reasonable adjustment to support you in your application for one of our opportunities, please contact [email protected]

https://www.castletrust.co.uk/careers/who-we-are