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Job Overview
Location
Remote
Job Type
Full-time
Category
Finance
Date Posted
October 18, 2025
Full Job Description
đź“‹ Description
- • Own the end-to-end fraud analytics lifecycle for ClearScore’s global user base, translating raw data into actionable intelligence that directly protects millions of consumers from financial crime and identity theft.
- • Partner daily with the Head of Risk & Compliance and the Head of Security to design, build and refine fraud-detection models, rules and thresholds that balance customer friction with industry-leading security standards.
- • Mine terabytes of behavioural, transactional and third-party data to surface emerging fraud patterns—everything from synthetic identity creation and account-takeover spikes to mule-account networks—then present clear, story-driven findings to senior stakeholders.
- • Create and maintain a real-time fraud-risk dashboard that surfaces KPIs such as fraud-loss rate, false-positive ratio and investigation turnaround time, enabling the business to react within minutes rather than days.
- • Lead deep-dive investigations into high-value or high-complexity cases, producing forensic-quality evidence packs that satisfy both internal governance and external regulator expectations.
- • Collaborate with Product squads to embed fraud-prevention controls directly into new feature designs, ensuring that innovations such as open-banking connections or BNPL offerings launch with “secure-by-default” architecture.
- • Design and run controlled A/B experiments to quantify the impact of proposed rule changes, delivering statistically rigorous recommendations that optimise both customer experience and fraud-loss reduction.
- • Build and mentor a small virtual team of junior analysts and data scientists, establishing best-practice documentation, code repositories and peer-review standards that outlive the 6-month contract.
- • Liaise with external partners—credit bureaus, card schemes, law-enforcement units and industry fraud forums—to ingest new data feeds, benchmark ClearScore’s performance and influence the next generation of fraud-prevention standards.
- • Champion a culture of continuous learning by hosting fortnightly “Fraud Insight” sessions, sharing real-world case studies and threat-intelligence updates that keep the entire company one step ahead of organised crime groups.
- • Deliver monthly board-level briefings that translate complex analytical outputs into concise, risk-weighted narratives, empowering executives to make fast, evidence-based decisions on product strategy and capital allocation.
- • Ensure all analytical work meets GDPR, PCI-DSS and FCA regulatory requirements, maintaining meticulous audit trails that demonstrate ClearScore’s commitment to consumer protection and ethical data use.
- • Contribute to the long-term fraud-risk roadmap, identifying tooling gaps, hiring needs and strategic investments that will future-proof ClearScore’s defences beyond the initial contract period.
🎯 Requirements
- • 3+ years of hands-on fraud analytics experience within financial services, fintech or e-commerce, including proficiency in SQL, Python (pandas, scikit-learn) and data-visualisation tools such as Tableau or Looker.
- • Proven track record of designing and tuning rule-based and machine-learning fraud-detection models that have materially reduced fraud-loss rates in production environments.
- • Strong understanding of UK and EU regulatory frameworks (FCA, GDPR, PSD2) and how they impact fraud-prevention strategies.
- • Excellent stakeholder-communication skills—ability to translate complex analytical findings into clear, actionable insights for both technical and non-technical audiences.
- • Nice-to-have: Professional certifications such as Certified Fraud Examiner (CFE) or ICA Advanced Certificate in Fraud Prevention; experience with graph analytics or network-based fraud detection; familiarity with cloud data platforms (AWS, GCP or Azure).
🏖️ Benefits
- • Fully remote working arrangement with flexible hours and a £500 home-office setup allowance to ensure you have the best possible workspace.
- • Competitive day-rate benchmarked against top-tier London fintechs, paid weekly with no lengthy invoicing delays.
- • Access to ClearScore’s entire benefits stack for the contract duration—including premium private medical insurance, mental-health support and an annual learning budget of £1,500 for courses, conferences or certifications.
- • Opportunity to convert to a permanent role at the end of the 6-month contract, based on mutual fit and business needs.
Skills & Technologies
Remote
About ClearScore Technology Limited
ClearScore Technology Limited is a London-based fintech that provides free credit scores, reports and personalised financial product recommendations to consumers worldwide. Using open-banking and credit bureau data, the platform helps users understand and improve their creditworthiness while comparing loans, credit cards, mortgages and insurance. Revenue comes from commission paid by lenders when users choose products. Founded in 2015, it operates in the UK, South Africa, Australia and Canada.
