About Jaja Our Mission: Empowering our customers to buy, borrow, and build—driven by tech, fuelled by data, and built for the future. Our Company Values : Care Deeply, Adapt & Thrive, Challenge everything, Go for it! Own it, Make it Simple Jaja is a consumer finance business, launching its first product, a digital credit card, in 2018. With backing from several major Private Equity funds, Jaja has an ambitious growth strategy that includes providing consumer finance in partnership with leading consumer brands, with a number of partnerships secured alongside an exciting pipeline of opportunities. Jaja is on a mission to redefine the consumer finance experience and liberate customers from needless complexity, wasted time, and frustration. Or as we say it, Make Simple. We will delight our customers – making the customer experience simpler, more enjoyable, more intelligent – treating customers fairly and giving them more control of their money. Why join us? This is a chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever. We have a collaborative team structure fuelled by an exciting mix of people welcoming both experienced people from the industry with both feet on the ground and tech-savvy dreamers who pave way for the new stuff. Come as you are and be yourself! Description of the Business Unit Jaja is a growing FinTech requiring an experienced hands-on Credit Card Fraud & Financial Crime Investigator to join their growing team of Fraud and Financial Crime Specialists. About Jaja Purpose of the Role The Fraud & Financial Crime Investigator is responsible for monitoring and overseeing fraud prevention tasks designed to ensure Jaja is compliant, and our customers and the business are protected from risks and loss. The successful candidate will be comfortable working independently and autonomously, but with oversight from the Fraud Team Lead. What’s the opportunity? You will work in a dynamic fast paced environment for a business that is shaking up the Consumer Finance industry. Working with a passionate set of colleagues who excel at delivery you will have a varied and interesting portfolio of activity that is not constrained by the status quo. Key Accountabilities: Conduct thorough investigations into: - Card Fraud - 3D Secure (3DS) transaction review - 2nd party fraud - 3rd party fraud - Scams - Account takeovers Prioritize the needs and experiences of the customer and the victim in every investigation—providing clear, supportive communication throughout the process. Manage multiple investigations simultaneously within defined service level agreements (SLAs) and team performance targets Identify indicators of money laundering, and escalate appropriately to the Complex Fraud Team. Report new and emerging fraud trends or patterns to the Fraud Strategy Team, helping improve prevention rules and detection systems. Contact customers when necessary to validate activity, understand fraud claims or provide scam support. Maintain accurate case documentation and prepare comprehensive investigation reports. Stay informed on evolving fraud schemes, 3DS developments, payment fraud trends and industry best practices. Maintain detailed and auditable records for all investigations in compliance with legal, regulatory and audit requirements. Essential skills and Experience In-depth Credit card Fraud experience Previous experience investigating complex credit card fraud and transactional fraud Experience in using application and transactional fraud risk monitoring and investigations systems (e.g. Falcon, 3D Secure, Cifas, Iovation, ThreatMetrix, Emailage, ID&V, or similar) Customer focused mindset What's in it for you? The chance to make a real impact in a growing start-up on a mission to change the face of the consumer finance industry forever. Competitive salary Remote Hybrid working model Bonus scheme Annual Salary Review 4x life insurance cover Optional private health care Employee assistance program Annual staff get together 25 day holiday allowance plus UK bank holiday and day off on your birthday Pension Contributions