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Fraud Investigator

Are you an experienced Fraud Investigator looking for a new challenge? Have you worked within a regulated environment or contact centre before?

Why not think about joining Argos Financial Services?

As a Fraud Investigator, you will detect, prevent, investigate, provide feedback and create awareness of fraud and suspected fraud arising within Argos Financial Services; to minimise financial and reputational loss whilst continuing to adhere to key regulatory guidelines.

Argos Financial Services are part of Sainsbury’s Bank, part of the wider Sainsbury’s group. We’re an exciting and growing organisation and as our customers seek more innovative services and technology, being part of one of the UK’s most trusted brands brings our colleagues exciting opportunities to fulfil their potential.

This is a permanent opportunity, working 35 hours per week between the operation hours of 8am – 6pm Monday to Friday, and 9am – 5pm on Saturday.

As a Fraud Investigator, your main responsibilities will be:

Review reported cases of fraud on applications and accounts for the Argos store card to confirm or refute the claim of fraud.
To use judgement and experience to assess each case referred to ensure minimal inconvenience to the customer and prevent monetary and reputational loss to the Company.
To liaise and feedback at all levels internally and externally to ensure that processes are adhered to and enhanced where necessary.
To continually strive to improve, enhance and challenge existing processes and procedures and add value to Argos Financial Services.
To provide regular guidance, support and advice to Contact Centre Team Managers.
To operate and comply within the rules of CIFAS.
To provide training, support and guidance to Fraud Support Advisors and Underwriters and all other areas of the business, as required.
To prepare witness statements (or similar) to support investigations by the Police, the National Crime Agency, other government departments and other law enforcement bodies which may or may not relate to fraud
To attend court to provide supporting evidence to witness statements

As a Fraud Investigator, your skills and experience will ideally include:

Previous Fraud experience from a Financial Services background, including ICA knowledge
Excellent knowledge of the storecard operation
A detailed understanding of TSYS, Decision Strategy, Credit Bureau Information, Word, Excel and the Argos card operation, the role is varied and the Fraud Investigator must be able to adapt quickly and effectively between tasks
A thorough understanding of CIFAS and its regulatory requirements
Experience of end to end investigation, including account rectification
Logical, proactive, confident approach to new challenges and procedures with the ability to articulate complex messages simply and assertively
Strong verbal, written and analytical skills and excellent attention to detail
Must appreciate the implications of Data Protection legislation and Money Laundering

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.

As well as the opportunity to join a great team, you will also receive a competitive salary, 23 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. Financial Services is right at the heart of the action.

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

We know that candidates may be put off applying for a job unless they can tick every box. While we can’t always accommodate every flexible working request, we do support part-time and job share roles so are happy to be asked how we can work around your availability. So if you are excited about working with us and think you can do much of what we are looking for but aren’t sure if you are 100% there yet… why not apply and see how it goes?

Here we’re a proud equal opportunities employer that values diversity at every level of our business. Inclusion and Diversity are fundamental to our culture and values, fostering an innovative, collaborative and fast paced work environment that means we can build a better future for our colleagues and our customers. Everyone is welcome. Want to find out more? Then visit our Diversity & Inclusion page on our Careers site –

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