Fraud & Financial Crime Manager

Job Description

What will your ‘typical’ day look like? Different that’s for sure…:

Atom’s Fraud Team is the first line of defence against Fraud and Money Laundering. As the Fraud and Financial Crime Manager, you’ll be the linchpin in safeguarding Atom bank and our customers from evolving financial threats. Situated in Operations, you’ll lead, mentor, and develop our dedicated team of investigators, who are the first line of defence against fraud and money laundering.

You’ll be crucial in ensuring our operational efficiency, regulatory adherence, and the ongoing protection of the bank and its customers. This role isn’t just about managing daily tasks; it’s about fostering a culture of vigilance and continuous improvement across the wider first line of defence.

What you’ll be doing:

• Strategic Leadership: Lead and develop a high-performing team of investigators, setting clear expectations and fostering their growth.
• Operational Excellence: Oversee daily fraud and financial crime operations, ensuring strict adherence to policies, procedures, and regulatory requirements.
• Risk Mitigation: Proactively identify, assess, and implement controls to mitigate fraud and financial crime risks across all product lines.
• Threat Detection & Response: Supervise transaction monitoring, analyse suspicious patterns, and manage timely investigations of alerts and SARs.
• Stakeholder Engagement: Act as a key liaison with internal departments (Compliance, Legal, IT) and external agencies (law enforcement).
• Continuous Improvement: Drive efficiencies, implement robust policies, contribute to training, and stay at the forefront of regulatory changes and industry best practices.
• Loss Prevention: Implement strategies to prevent losses and support recovery efforts.
• Quality Assurance: Conduct regular quality checks to ensure accuracy and compliance in all team activities.

What do we need from you?

• A proven track record within the banking or financial services industry is crucial, with direct experience in fraud prevention, detection, investigation, or anti-money laundering (AML).
• A strong grasp of relevant UK and international laws, regulations, and guidance related to fraud, AML, counter-terrorist financing (CTF), and sanctions.
• A deep understanding of various types of fraud (e.g., payment fraud, identity theft, internal fraud), money laundering techniques, and other financial crime risks.
• Experience in planning, conducting, and documenting investigations into potential fraud and financial crime incidents.
• Proven ability to lead, motivate, and develop a team.
• Excellent written and verbal communication skills, including the ability to present findings and recommendations clearly and concisely to various stakeholders.
• A strong commitment to ethical principles and maintaining confidentiality.
• Ability to prioritise tasks, manage workload effectively, and meet deadlines.
• Ability to build and maintain effective working relationships with internal teams and external parties.

What you’ll get from us:

• Flexible hybrid working.
• 4-day work week
• Annual Share Option – performance-related
• Incredibly generous company pension scheme (maximum of 13% of Atom input – you can put in more)
• ‘All About Me’ fund: £200 per year to spend on personal development.
• 22.5 days annual leave plus public holidays
• Private Medical Insurance, Health Cash Plan & Life Insurance
• Electric Vehicle Scheme