Senior Financial Crime Investigation and Mule Risk Strategy Lead at Zola

Manchester, England, United Kingdom

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Not SpecifiedCompensation

Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, FinTechIndustries

Requirements

Expertise in fraud and financial crime typologies, including emerging threats, mule trends, and organised fraud risks in FinTech and financial institutions
Ability to act as subject matter expert, staying abreast of regulatory changes and industry best practices
Strong investigative skills using internal data and external insights for in-depth financial crime investigations
Experience in strategic leadership, including establishing and leading a Financial Crime Investigation Unit (FIU)
Capability to devise prioritisation approaches for triaging work and escalations
Proficiency in monitoring, analysing, and reporting on trends to develop strategies minimising fraud and financial crime risk
Skills in identifying improvements, system enhancements, and control strengthening
Experience supporting regulatory audits, internal reviews, and ad-hoc reporting
Ability to champion industry collaboration, build networks, and represent the bank at industry and law enforcement meetings

Responsibilities

Establish and lead the Financial Crime Investigation Unit (FIU) as a function, including hands-on involvement
Devise prioritisation approach for triaging work into the FIU, including escalations from Operations Teams, ensuring top priorities are addressed
Act as Zopa's subject matter expert in fraud and financial crime typologies, conducting in-depth investigations into trends and advising stakeholders on emerging threats
Own and evolve Zopa’s mule risk strategy across all product ecosystems (current accounts, loans, savings, credit cards, car finance)
Maintain up-to-date awareness of emerging mule trends, typologies, and organised fraud risks
Perform in-depth financial crime investigations using internal data and external insight to uncover threats and drive continuous improvement
Share investigation insights with stakeholders to inform product roadmaps and prioritisation decisions
Monitor, analyse, and report on mule trends; create strategies to minimise fraud and financial crime risk exposure
Investigate and size exposure to existing and emerging threats; identify opportunities for improvements in the control framework
Support regulatory audits, internal reviews, and ad-hoc reporting requirements
Champion industry collaboration, build and maintain strong networks and partnerships for fraud and financial crime prevention and detection
Represent the bank at industry and law enforcement meetings, building and maintaining networks

Skills

Financial Crime Investigation

Mule Risk Strategy

Fraud Prevention

Organised Crime Disruption

Risk Strategy

Fraud Detection

Investigation Unit

Defence Strategy

Zola

Online wedding planning and registry platform

About Zola

Zola.com is an online platform designed for couples planning their weddings. It offers a variety of services including customizable wedding invitations, venue and vendor recommendations, and a gift registry that allows couples to manage gifts, experiences, and cash funds all in one place. The platform simplifies the wedding planning process by providing tools for managing guest lists, tracking RSVPs, and meal selections. Zola stands out from competitors by allowing couples to exchange gifts for credit before they are shipped, enhancing the gift-giving experience. The company generates revenue through commissions from vendors and venues booked through its platform, as well as from the sale of wedding-related products. Zola's goal is to provide a seamless and user-friendly experience for engaged couples, making wedding planning easier and more organized.

New York City, New YorkHeadquarters

2013Year Founded

$164.6MTotal Funding

SERIES_DCompany Stage

Consumer Software, Consumer GoodsIndustries

201-500Employees

Benefits

Hybrid Work Options

Flexible Work Hours

Risks

Emerging platforms offering similar services at lower costs threaten Zola's market share.

Economic downturns may reduce spending on weddings, impacting Zola's revenue.

Expansion into baby registries may dilute Zola's brand focus on weddings.

Differentiation

Zola offers a unique AI tool to balance wedding planning decisions.

Zola's comprehensive platform includes customizable invitations and vendor recommendations.

Zola's guest list management tool streamlines RSVP tracking and meal selections.

Upsides

Zola's AI tool aligns with the trend of integrating AI in wedding planning.

The rise of micro-weddings creates demand for Zola's tailored services.

Zola's digital marketing can leverage increased social media use for wedding planning.

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