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<div><strong>About Harper</strong></div>
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<div>Harper’s mission is to keep personal service at the heart of the digital shopping experience. We power elevated Try Before You Buy experiences for some of the world’s leading fashion retailers.</div>
<div>With a market-leading Net Promoter Score of 88 and one of the highest-rated Trustpilot pages, we’re known for our customer-centric approach. We’re backed by top-tier tech investors and scaling rapidly. Fraud prevention is essential to protecting the trust and seamless experience our brand is built on.</div>
<div>This is an exciting opportunity for someone experienced and ready to take ownership of our fraud and payments function, drive improvements, and shape it into a best-in-class operation.</div>
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<div><strong>Role overview</strong></div>
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<div>We’re looking for someone naturally curious, data-driven, and ready to take ownership of fraud and payments risk at Harper. This is not a narrow analyst role, it’s a chance to build and evolve the systems, policies, and tooling that protect customers and power a frictionless Try Before You Buy experience.</div>
<div>You’ll be a go-to expert for fraud strategy, focused on everything from manual reviews and tooling optimisation to emerging fraud trend detection. You’ll work cross-functionally with product, operations, and engineering to ensure we minimise risk while maximising customer trust, approval rates, and conversion. If you’re excited by the challenge of balancing trust, growth, and risk in a fast-moving environment, this role offers the autonomy and scope to make a real impact.</div>
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<div><strong>Key responsibilities</strong></div>
<ul>
<li>Monitor and analyse fraud and payment activity across the entire customer journey</li>
<li>Create, refine, and optimise fraud prevention rules and exceptions</li>
<li>Build and iterate the broader fraud strategy: from prevention to detection to resolution</li>
<li>Use platforms like Signifyd, SEON, Forter, and Stripe to manage fraud logic</li>
<li>Investigate emerging abuse trends (e.g. refund fraud, triangulation, synthetic IDs)Continuously balance fraud control with customer experience and conversion</li>
<li>Work cross-functionally with product, engineering, ops, and support teams</li>
<li>Own vendor relationships, including handling commercial terms and tech escalations</li>
<li>Own and manage the manual review queue, making confident, informed decisions</li>
<li>Report on fraud KPIs and recommend policy or system improvements</li>
</ul>
<div><strong>Must-have skills</strong></div>
<ul>
<li>3+ years’ experience in e-commerce or fintech fraud prevention</li>
<li>Deep understanding of fraud tactics: IP spoofing, policy abuse, chargebacks, identity manipulation</li>
<li>Hands-on experience with tools like Signifyd, SEON, Forter, Kount and Stripe, Adyen</li>
<li>Confidence and independence in manual fraud decision-making when necessary</li>
<li>Experience managing third-party tools, vendors, and technical issue resolution</li>
<li>Proactive, curious mindset with a continuous improvement approach</li>
<li>Excellent communicator who can articulate fraud patterns clearly</li>
<li>Self-starter who thrives without micromanagement</li>
<li>Data analytical skills, advanced excel and similar reporting</li>
</ul>
<div><strong>Nice-to-have skills</strong></div>
<ul>
<li>SQL or other enhanced data analysis experience (Looker, Tableau, etc.)</li>
<li>Experience with “Try Before You Buy” models or deferred payments</li>
<li>Chargeback strategy or dispute resolution experience</li>
<li>Familiarity with compliance frameworks and security protocols (PSD2, 2FA, FCA, PCI-DSS)</li>
<li>Past work in premium/large retail, high-AOV, or trust-sensitive industries</li>
</ul>
<div><strong>What we offer</strong></div>
<ul>
<li>Competitive salary + share options</li>
<li>32 days holiday (take public holidays whenever you like) with a 3-day carryover policy</li>
<li>£600 annual wellbeing allowance</li>
<li>MacBook</li>
<li>Hybrid working</li>
<li>Regular team socials</li>
</ul>
<div><strong>Interview process</strong></div>
<ol>
<li>15-minute intro video call – a chance for us to get to know you and tell you more about Harper and the role.</li>
<li>60-minute fraud scenario in-person interview – we’ll give you a scenario and ask you questions about this.</li>
<li>30-minute final interview – we’ll dive deeper into your experience and motivations</li>
<li>Offer 🎉</li>
</ol>
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Senior Fraud & Payments Analyst

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