Fraud Investigator (Fintech)

Location: Cardiff, United Kingdom; hybrid schedule with 3 days in the office and 2 days working from home

Salary: £30,000–£34,000 per year, depending on experience

Company

hirify.global is a profitable fintech providing business credit cards, SME spend management, savings products, and other financial tools for small businesses.

What you will do

• Lead deep-dive investigations into high-value cases and sophisticated fraud methods, including synthetic identities, identity theft, falsified documents, and first-party or bust-out fraud.
• Identify fraud trends and recommend rule changes and process improvements across applications, KYC/KYB, and credit decisioning controls.
• Analyse application and onboarding data with Excel and SQL to identify control vulnerabilities and measure effects on fraud losses, approval rates, and false positives.
• Own complex end-to-end cases, high-stakes customer escalations, and external reporting.
• Balance fraud prevention with a low-friction experience for legitimate customers and mentor junior team members.

Requirements

• Demonstrable experience in a dedicated fraud role, ideally focused on application, onboarding, or credit fraud.
• Ability to connect alerts and applications through shared devices, addresses, directors, bank details, or documents to uncover organised fraud networks.
• Strong Excel skills; SQL skills are highly preferred.
• Ability to manage complex caseloads independently and make high-stakes decisions with confidence.
• Working knowledge of identity verification, document checks, KYC/KYB, device intelligence, credit bureau data, and open banking data.
• Experience with small-business or SME lending or cards is a bonus.

Culture & Benefits

• Hybrid working with three office days and two home-working days per week.
• Private healthcare including dental and optician services, plus worldwide travel insurance.
• £250, £500, and £750 anniversary rewards, with a four-week fully paid sabbatical.
• Salary sacrifice pension scheme with up to 7% matching, EV scheme, Cycle to Work Scheme, and Season Ticket Loan.
• 28 days of holiday plus bank holidays, enhanced parental leave, annual learning and wellbeing budget, and six free therapy sessions per year.
• Dog-friendly offices with free drinks and snacks.

Hiring process

• 30-minute introduction and values call with a Talent Partner.
• 60-minute technical assessment with a Fraud team manager, held in person or virtually.