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Fraud & Underwriting SME

As the Fraud & Underwriting Subject Matter Expert you will support the Senior Fraud & Underwriting Manager on the planning and delivery of the strategic agenda and on the creation of a best-in-class operation. You will support the setting and maintenance of compliant Fraud & Underwriting related procedures, systems and controls across Argos Financial Services.

You will ultimately be the contingency for, and act as, part of the succession planning for the Senior Fraud & Underwriting Manager.

You will be joining Financial Services where our aim is to make life better every day for Argos customers. We help customers afford and protect what matters most, offering products and services including Credit, Warranties & Insurance. The Financial Services department is the profit creator and that’s why it’s the most exciting place to be: right at the heart of the action. Here, you can be part of something bigger and help to create a new approach that puts the customer at the heart of everything we do.

As Fraud & Underwriting SME you will:

Keep abreast of industry wide fraud developments, supporting Credit Risk with solutions. Developing and enhancing guidance and training for the Fraud & Underwriting teams.
Support the Senior Fraud & Underwriting Manager with the strategic agenda (covering technological enhancements) in conjunction with the Credit Risk Strategy and creation of a best in class operation
Drive and support the implementation of processes, policies, controls, procedures and technological changes
Enhance MI reporting and provide regular updates to key stakeholders
Carry out a full review of the fraud database, exploring options to replace or discontinue.
Engage in a full and ongoing review of the Fraud & Underwriting department with a view to identify and implement operational efficiencies
Carry out full and regular reviews of customer contact letters to drive improvements in this space
Produce deep dives, inclusive of proposed recommendations, into key Fraud & Underwriting areas to drive progressive change
Support the training team with developments, enhancing and delivering bespoke training around investigative skills
Support the Fraud & Underwriting Department with finding solutions to fraud issues that fall outside of day to day processes
Co-ordinate significant fraud events, conduct hindsight reviews and identify potential control failings, whilst keeping the appropriate teams and executives informed
Create business proposals and change requests
Demonstrate a strong knowledge of FCA principals, including the identification and subsequent management of vulnerable customers and fraudulent applications/customers
Play an instrumental role in delivering and driving through the change agenda with the support of the Senior Fraud & Underwriting Manager
In the absence of, represent the Senior Fraud & Underwriting Manager in meetings with senior personnel/exec members and completion of reporting for senior stakeholders

As Fraud & Underwriting SME you will have:

A broad understanding of a Financial Services business and the regulatory framework within which it operates
Experience in a fraud or underwriting discipline
Proven stakeholder engagement at all levels
The ability to produce business case proposals with clear regulatory controls and return on investments
Expertise in best practice management and change management
Comfortable taking the lead in assisting the business owners to define the requirements for supplier change
Proven record of delivering and implementing against the strategic agenda
An open, flexible approach to problem solving coupled with an ability to use tenacity to drive through to the desired outcome
Strong influencing and communicating skills

As well as the opportunity to join a great team you will also receive a competitive salary, 24 days holiday, and a range of other great benefits. We will support you in developing your skills to build the career you want.

There’s never been a more exciting time to join Argos. We are capitalising on our success and going through a great transformation. It’s a period of expansion and rejuvenation; we’re shaking things up and creating more opportunities than ever before.

As this role involves working in a regulated environment any offer made will be subject to satisfactory background checks including criminal record check, credit check and employment references.


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