Fraud and Financial Crime - Mule Team Manager

Zopa

  • London
  • Permanent
  • Full-time
  • 1 month ago
We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and we launched Zopa Bank. A bank that listens to what our customers don't like about finance and does the opposite. We're redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre - we've built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our fantastic offerings at !We're incredibly proud of our achievements and none of it would be possible without the amazing team here. It's not just industry awards we're winning, we've also been named in the top three UK's Most Loved Workplaces.If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you'll thrive here at Zopa, so join us, and make it count. Want to see us in action? Follow us on Instagram @zopalifeAs Zopa continues to grow, we remain committed to protecting our customers and platform from fraud and financial crime. We are seeking an experienced and capable Mule Team Manager to lead a team focused on investigating and addressing mule account activity.The successful candidate will have hands-on experience in investigating mule accounts within a FinTech, digital bank, or fast-growing financial institution. Strong leadership abilities, oversight of Suspicious Activity Report (SAR) processes, and working knowledge of CIFAS principles and data-sharing protocols are essential. This role requires a collaborative approach, working across teams to support proactive measures and help maintain Zopa as a secure and trusted platform.Reporting to the Head of Fraud & Financial Crime, this position plays a key role in supporting Zopa's broader fraud and financial crime prevention strategy.A day in the life:
  • Lead, coach, and develop the Mule Investigation Team to ensure high performance and collaboration.
  • Oversee risk-based investigations and ensure SARs meet regulatory and quality standards.
  • Drive Zopa's mule disruption strategy and stay up to date on emerging fraud trends.
  • Collaborate with internal teams and external partners (e.g. CIFAS, law enforcement) to enhance prevention and intelligence sharing.
  • Act as an escalation point for complex cases and contribute to cross-functional risk management.
  • Monitor team performance, report key insights to senior stakeholders, and support continuous improvement and audit readiness.
About you:
  • Essential
  • Experience leading mule investigations within FinTech, digital banking, or a fast-growing financial institution.
  • Strong understanding of mule typologies, financial crime risks, and prevention methods.
  • Proven oversight of Suspicious Activity Reports (SARs) and NCA reporting.
  • Working knowledge of CIFAS data sharing and its role in fraud prevention.
  • Demonstrated leadership in building and managing high-performing teams.
  • Strong investigative, analytical, and decision-making skills.
  • Effective communicator with the ability to engage technical and non-technical stakeholders.
  • Solid grasp of regulatory requirements, including PSR reimbursement policy and fraud prevention best practices.
  • Desirable
  • Experience with fraud detection tools, transaction monitoring, or data-led investigations.
  • Engagement with industry bodies (e.g. UK Finance, CIFAS).
  • Contribution to fraud strategy development in high-growth environments.
  • Key Attributes
  • Collaborative and trusted team player.
  • Proactive, curious, and solution-oriented.
  • Customer-focused with a strong sense of integrity and accountability.
  • Resilient and adaptable in a dynamic environment.
#LI-LK1We're on the move!Towards the end of 2025 Zopa will be relocating to a brand-new headquarters at 20 Water Street in Canary Wharf. The 44,000 square foot workspace will foster collaboration and inspire creativity for our 900 employees amidst our 2025 growth blitz.At Zopa we value flexible ways of working.We value face-to-face collaboration and a good work-life balance. This hybrid role requires you to come to our London office 2-3 days a week.You'll also have the option of working from abroad for up to 120 days a year!* But no matter where you are, we'll make sure you've got everything you need to thrive, both in your work and home life, from day one.*Subject to having the right to work in the country of choiceDiversity StatementZopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments.

Zopa