Fraud Officer

Chester, UK /
Compliance /
Full-Time / Permanent
Over the last 16 years, we have helped over a million satisfied customers move and manage their money. Our award-winning product portfolio allows our customers to make low-cost multi-currency payments across various payment products.

From travel money to transfers, currency hedging, to expense management, we are focused on a single goal of making it easy for our customers to manage and move their money.

As a business, we are committed to delivering value to our customers through the combination of advanced payments technology and personal expert service.

About the Role

We have an exciting opportunity to join our growing Fraud team and seek a Fraud Officer to support the delivery of our Anti-Money Laundering and Financial Crime framework in Chester for our Card One Money brand. A Fraud Officer at CardOneMoney is a detail-focussed, driven and analytically-minded individual, dedicated to protecting CardOneMoney customers – and the wider financial services community – from financial crime.
We aim to reduce the impact of fraud on our customers and the business within Equals. In this role you will be able to learn different tasks to achieve this aim.
A Fraud Officer at CardOneMoney monitors not only our customers’ transactions, but also their behaviours and characteristics to detect and respond to potential misconduct. We are looking for an individual who has knowledge of money laundering investigations and transaction monitoring and who understands the risks of financial crime.
This is a full-time, permanent role that will be based in Chester, though the Group operates a hybrid working model whereby employees are encouraged to balance office and remote working in a way that supports both the business and work-life balance.
As a business, we seek to hire talent that ensures different views and backgrounds are represented within the Group and actively encourage individuals with diverse backgrounds and experience to apply.


    • Execute real-time transaction monitoring, identifying suspicious activity occurring in relation to our products
    • Use reporting and third-party systems to fully investigate trends and typologies
    • Undertake fraud monitoring reviews in response to trigger events and make decisions on how to proceed
    • Receive internal SAR reports and write external SAR reports
    • Communicate with external parties such as law enforcement and banks and complete DPA/RFI requests
    • Act as a fraud prevention point of contact within the business
    • Keep excellent reporting and logs
    • Use reporting and third-party systems to fully investigate trends and typologies
    • Support Junior members of the team
    • Work with the Customer Services, Onboarding and Chargeback teams to ensure fast resolution and you get additional information to support an investigation
    • To take customer calls, as required, and ensure they are dealt with in an efficient and courteous manner
    • Maintain excellent knowledge of AML policies and keep up to date with changes
    • Support the Head of Fraud and MLRO
    • Attend training courses and meetings as required
    • To undertake any other reasonable duties that may be required from time to time by the Head of Fraud

Essential Skills & Experience

    • 2+ years’ experience working in a fraud team or compliance officer role within a Financial Services Company
    • A good understanding of current fraud and anti-money laundering trends and typologies
    • Strong decision-making skills
    • Understanding of our customer base and the fraud trends they are susceptible to
    • Good communication and interpersonal skills
    • Excellent attention to detail
    • Enjoy working in a fast-paced, high-volume environment
    • A role model for our values: Make things happen, Succeed Together, Be the Customer & Go Beyond

Desirable Skills & Experience

    • Prior experience monitoring both Corporate and Personal accounts
    • Formal qualification in fraud prevention or economic crime prevention
    • Prior experience at a major/ high street UK bank 
    • Knowledge of overseas economic crime regulation 
We believe that certain skills are essential in order to be successful in this role and these are detailed above. You may not have all the other skills we have outlined as desirable, we understand that and will still welcome your application. We will carry out individual interviews for shortlisted candidates and assess who is best suited for the role after we have discussed everything with you
Our investment in you

We aim to be a people-first business. We welcome people into the Equals group and desire to grow and develop our talented teams.
Our people are part of one group; we believe in teamwork and celebrating our successes. We strive to embrace our values of ‘Succeed Together’, ‘Be the Customer, ‘Make it Happen’ and ‘Go Beyond’.
We believe in empowering conversations; that’s why we’ve invested in our managers and teams to ensure we bring out the best in each other. We want to put you in the driving seat of your career and achieve your full potential through growth opportunities and developmental support.
You will join an environment that encourages learning and knowledge sharing. Our managers and leaders will guide you to realise your drivers and promote your motivating career plan.
When you join the Equals Group, we help you get more out of your career, to get more out of life.
In-house benefits

●      A competitive salary benchmarked against a peer group.
●      25 days holiday per year + your birthday off
●      Bupa Private Healthcare
●      Bupa Mental Health Services & EAP
●      Opportunities for progression, development and learning new skills.
●      Free onsite Nuffield Health gym & pool (London) and discounted gym membership elsewhere.
●      Interbank currency rates on travel money and international transfers.
●      A flexible working environment
●     Cycle to Work Scheme
●      Enhanced Maternity & Paternity pay
●      Season Ticket Loans
●      x3 Annual Salary Life Assurance
●      A flexible working environment

We operate a hybrid working arrangement where possible, which means that for some roles you will be able to work remotely for some days of the week. However, we still want employees to collaborate in person at both our London and Chester offices, and therefore, candidates will need to still be a comfortable commuting distance from either location for the days you are required to work from or come into the office.