Senior Application Fraud Analyst

Business Unit: COO, Fraud Analytics
Salary range: Up to circa £58,000 per annum DOE + Benefits
Location: UK Hybrid - Leeds/Gosforth/Glasgow
Contract Type: Permanent full-time

Our Team

You'll be joining the Application Fraud Analytics team, which is responsible for the application fraud strategies across all products. The team is dedicated to preventing anyone who has had their identity stolen from becoming a victim of fraud at Virgin Money, protecting customers, non-customers and the bank itself. Do you want to make a difference too?

What you'll be doing

• Driving application fraud strategy for a specific area of the business, being a point of contact for stakeholders and providing SME input.
• Optimising and monitoring performance of fraud detection and prevention systems and associated models.
• Taking the lead for your area's fraud systems to manage fraud risk within appetite and budget.
• Completing analytics as directed to support the setting and on-going reporting and management of the Fraud loss budget.
• Producing accurate and relevant fraud MI required by governance committees and providing updates in monthly forums.
• Supporting development of other application fraud analysts in analytics and MI.
• Supporting, leading, and providing SME insights for business wide change.
• Identifying ongoing improvements to tools and systems and supporting and driving the delivery of change for the application fraud team.
• Supporting external engagement with third party suppliers, industry bodies and law enforcement as required.

We need you to have

• Practical, extensive experience of using SAS / SQL or equivalent analytical tools to develop data driven solutions.
• Knowledge and use of industry standard fraud systems and data sources (Hunter, CIFAS, Detect, TruValidate, Mitek).
• A track record of completing analytics and tuning fraud defence systems to manage fraud loss within budget and appetite.
• Knowledge of fraud risks, threats, and landscape.
• A proven ability to manage workload in a fast-paced environment with potentially multiple conflicting needs.
• Practical experience producing and creating accurate MI.

It's a bonus if you have

• Experience driving change for Fraud projects from identification of problem to delivery of solution.

The extras you'll get

• 25 days holiday per year, which increases over time to 30. Plus, an option to buy more, giving you even more choice.
• Private medical insurance.
• A highly competitive pension to help you build a strong foundation for retirement.
• Access to an annual performance related bonus.
• Training and development to help you progress your career.
• A great selection of additional benefits through our flexible benefits scheme.
• Life assurance to provide peace of mind for you and your loved ones in the event of your death.
• Up to 2 days of paid volunteering a year.

If we're lucky to receive a lot of interest, we may close the advert early. Please ensure to submit your applications as soon as possible.

Legal Information

We're in the process of bringing Virgin Money and Nationwide together, which, subject to Court approval, will happen on 2 April 2026. If you're successful in securing a role with us, your employment will move automatically to Nationwide when this transfer goes ahead.

Although some of our roles allow you to be based anywhere in the UK, we'll need you to confirm you have the right to work in the UK.

If you're successful in securing a role with us, there are some checks you need to complete before starting. These include credit and criminal record checks and three years' worth of satisfactory references. If the role is part of the Senior Manager Regime and Certification Regime, it requires enhanced pre-employment checks - we'll ask for six years of regulatory references, and once in the role, you'll be subject to periodic employment checks.

As a Disability Confident Leader, we're committed to removing any obstacles to inclusion. If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team at .