Senior Financial Crime Manager - Fraud

What We’re All About at Kroo

At Kroo Bank, we are charting the future of banking with our groundbreaking technological innovations and unique digital services. The rapid advancements in the fintech sector necessitate ongoing evolution in the roles and responsibilities of our bank to effectively tackle new business opportunities and challenges. We are dedicated to consistently updating our job descriptions to ensure we continue to lead in banking innovation.

Please note that the responsibilities listed in this job description are intended to give a comprehensive overview of your position but may not detail every aspect of your job role. The fluid nature of our industry requires that your specific tasks may be adjusted to better suit evolving business strategies. We value your flexibility and your willingness to work collaboratively if we need to adapt.

If you have any questions regarding your job role, we encourage you to contact your manager for clarification.

The Senior Financial Crime Manager position is centred on operational execution rather than strategy or controls development. In this role, you will lead large teams within Fraud Operations, ensuring performance is optimised and fully aligned with the bank’s strategic objectives. Your priority will be to maintain high service levels, exceptional quality, and outstanding outcomes across all Fraud Operations teams. You will drive operational efficiency, minimise fraud losses, and uphold a seamless customer experience while operating within a cost focused environment.

This role is fundamental to the successful implementation of operational plans and requires a dedicated focus on the continuous enhancement of team performance.

Applicants must demonstrate strong fraud operational experience managing investigations, enforcing KPIs, and providing leadership to large teams. The role requires deep end to end expertise across a range of complex fraud typologies and practical experience of the PSR’s Authorised Push Payment (APP) reimbursement policy. While experience in AML management is beneficial, the primary focus is on Fraud. This position plays a critical role in the operational execution of financial crime operations, day to day oversight, and escalation management, ensuring compliance with relevant regulations and industry best practices.

• Oversee effective operations of the Fraud Teams, ensuring coordination across teams to meet KPIs.
• Provide leadership, direction, and mentorship to team leads to ensure performance objectives are met in alignment with the bank’s financial crime prevention strategies.
• Act as the primary subject matter expert in ATO, APP, and Card Fraud cases, guiding the team in complex investigations and decision making.
• Ensure compliance with all relevant fraud regulations and industry standards by implementing and maintaining robust investigation and prevention principles.
• Provide guidance on the enhancement of fraud processes, frameworks, and investigative standards.
• Collaborate with other departments, including Compliance & Product, to maintain fraud reporting mechanisms in line with business growth and regulatory changes.
• Act as the key escalation point for complex fraud cases across the team, offering expertise and resolution strategies.
• Oversee fraud related activities, including the management of chargeback processes and the resolution of disputed transactions.
• Ensure the seamless integration of fraud detection measures across all relevant business areas.
• Lead initiatives to optimise fraud investigation and detection processes, working closely with senior stakeholders including the Head of Financial Crime Operations and the MLRO.
• Analyse financial crime trends and data to anticipate