Fraud Product Owner | S3 | Fraud Prevention | Multiple Location | Internal Mobility

Fraud Product Owner | S3 | Fraud Prevention | Multiple Location | Internal MobilityCountry: United Kingdom

IT STARTS HERE

Santander () is evolving from a global, high-impact brand into a technology-driven organisation, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible.

This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference.

Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

Retail & Commercial Banking is a global business integrating all our retail and commercial banking activities to better serve our customers, improve efficiency and drive value creation.

THE DIFFERENCE YOU MAKE

Santander is looking for a Fraud Product Owner based out of Unity Place, Milton Keynes and Bootle.

An exciting opportunity has arisen within the Fraud Risk Management team as a Fraud Product Owner. Within this role you will be responsible for leading work within the Fraud Technology, Design and Change team, working closely with colleagues in Fraud Risk Management team and Fraud CIO teams to deliver and enhance our Fraud detection and prevention capabilities through both Fraud-led and Bank-led change and initiatives.
The work we do within our team, and in collaboration with the Fraud CIO, is centred around utilising knowledge of Fraud trends and MOs to drive improvements across Fraud prevention and detection, with an aim to enhance the trust of a customer’s relationship with banking facilities across all channels.
You will work with the teams in Fraud CIO in driving improvements and developing these tools, capturing outputs and feeding into the relevant Fraud engines, ensuring the services are made available to end users across the Fraud Risk Management team. All change will be delivered within the agile framework.

You will work closely with the teams in the Fraud Risk Management team to understand current gaps in prevention and detection, Fraud MOs, losses and pain points within the Fraud strategies – this understanding will help drive the direction of improvements, focus and prioritisation of the changes to be delivered.
Change is to be delivered with a view to not only reduce the risk of Fraud to customers but do so whilst maintaining the best possible customer journeys, across customer Onboarding and throughout products, services and channels used within the customer lifecycle.
This will be done by effectively prioritising work within the teams, balancing Fraud-led change with requirements provided to external teams delivering against bank-led change.

We’re shaping the way we work through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas. To succeed in this role, you will be responsible for:

• Defining the product roadmap with a clear vision for implementing Fraud prevention and detection capabilities and improvements to Fraud Services required to enhance the measures in place to protect our customers

• Leading discovery sessions that explore both internal solutions and third party offerings and research to drive the direction of enhancements and future developments

• Managing varied backlogs requiring prioritisation and pragmatism to retain forward momentum within Fraud

• Representing Fraud at various Steering Committees and forums, advocating our Customer-First model to ensure buy-in and sponsorship

WHAT YOU’LL BRING

Our people are our greatest strength. Every individual contributes unique perspectives that make us stronger as a team and as an organisation. We’re enabling teams to go beyond by valuing who they are and empowering what they bring.

The following requirements represent the knowledge, skills, and abilities essential for success in this role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Proven examples of demonstrating a passion for Fraud prevention and delivering change (required)

• Ability to communicate effectively and to adapt your style when required, accepting the many differences in approach to listening and constructive dialogue (required)

• A proactive approach to work, delivery and change management processes (required)

• A strong team ethic, demonstrating expertise in collaboration alongside self-managing with accountability (required)

• Understanding of Fraud Detection and Prevention tools and systems (required)

• Understanding of common Fraud threats and methodologies (required)

WE VALUE YOUR IMPACT

At Santander, your contribution matters. We recognise the difference you make every day, and we make sure you feel valued, supported and rewarded in return.
Here, recognition goes beyond pay. It’s about the pride you feel in your work, the impact you have on customers and communities, and the opportunities you have to grow and thrive — personally and professionally.

( Salary range will be completed by the recruitment team)

Salary Range:
£54,318.00 - £81,478.00 per annum (depending on experience)

This salary range represents the expected remuneration for the role. Annual salary is based on a standard 35-hour working week. Actual salary offered will depend on skills, experience, qualifications and location.

• Competitive rewards that reflect the real impact you make and the value you bring.

• Wellbeing that goes beyond work — we work with a range of wellbeing partners across our 4 pillars of wellbeing (physical, mental, social and financial) to give you access to a suite of apps, discounted gym and fitness access, weekly online classes, flexible healthcare and mental health support.

• Support for every life stage — from menopause and pregnancy to parenthood and beyond, with enhanced family leave, childcare options and tailored wellbeing support.

• Time to give back through volunteering opportunities that let you make a difference in the communities we serve.

• Global growth opportunities to shape your career, learn new skills and explore what’s possible across our international network.

Ready to be recognised? It starts with you.

LOCAL COMPLIANCE

At Santander, we’re proud to be an inclusive organisation that provides equal opportunities for everyone — regardless of age, gender, disability, civil status, race, religion or sexual orientation.

We’re committed to creating a recruitment experience that’s accessible, fair and welcoming for all candidates.

We want our people to thrive — at work and at home — while delivering the best outcomes for our customers and supporting each other to grow.

To make this possible, our roles are site-based with a hybrid working pattern, where colleagues are expected to attend the office at least 12 days per month (pro-rata for part-time roles).

When applying, please consider the travel distance, time and cost to your chosen office location(s).

We welcome applications on the understanding that, should you be offered this role, there may be no relocation package available. Santander will pay the employer mandatory government fees that are required to pay in connection with visa sponsorship. You may be liable for your own personal employee immigration and relocation costs.( Only applicable for roles that are eligible for sponsorship)

WHAT TO DO NEXT

If this sounds like a role you are interested in, then please apply.

For further Guidance please visit Internal Mobility - Candidate Guidance.

If you want to know more about the opportunity:

Please contact Charlotte Moore [email protected]

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