Product Owner - Fraud Intelligence

Salary: £63,000 - 103,000 per year

Requirements:

• Product ownership experience in a complex platform, payments, decisioning or data environment, from discovery through production and scale
• Ability to translate customer and fraud problems into platform capabilities, clear priorities, user stories, acceptance criteria and measurable outcomes
• Confidence working with architects and engineers on APIs, event-driven integration, data flows, orchestration, cloud services and non-functional requirements, without needing to be the technical designer
• Strong stakeholder management and influencing skills across business, risk, operations, data, technology and external suppliers
• Commercial awareness, including business cases, cost drivers, vendor dependencies, benefits realisation and product trade-offs
• Strong Agile product fundamentals, including discovery, experimentation, roadmap management, backlog prioritisation and iterative delivery
• Ability to work through ambiguity, establish ownership and make proportionate, evidence-based decisions
• Workers must operate via an Umbrella or PAYE engagement model

Responsibilities:

• Provide clear day-to-day product direction to the delivery team and stay aligned with the Lead Product Owner
• Own and communicate the product vision, outcomes and roadmap, translating the ambition to Connect, Sense, Decide, Conduct, Intervene and Exchange into a prioritised backlog
• Work with fraud specialists, customer journey teams, analytics, engineering and architecture to define capabilities and clarify the boundaries between platform ownership and wider programme delivery
• Shape and prioritise technical enablers, including integrations, event and data flows, service contracts, orchestration, observability, resilience, security and non-functional requirements
• Lead discovery with users and stakeholders to identify priority journeys, validate needs and define measurable customer, fraud, operational and commercial outcomes
• Coordinate priorities and dependencies with Business Banking Transformation, Faster Payments Modernisation and other adopting journeys, making requirements and ownership explicit
• Guide adoption journey by journey, balancing platform reuse with safe transition from legacy decisioning and maintaining existing customer protection during migration
• Own backlog quality, acceptance criteria and value measures, making evidence-led scope and priority decisions with delivery teams
• Build trusted relationships with senior stakeholders, vendors and franchise teams, communicating technical trade-offs and building confidence in the platform direction
• Track adoption, performance, benefits, risks and learning, using evidence to decide whether to stop, pivot, persevere or scale

Technologies:

• Cloud
• Product Owner
• Security

More:

We are AMS, a global workforce solutions partner focused on inclusive, dynamic and future-ready workplaces. We partner with NatWest to deliver its contingent recruitment processes, working as an extension of its recruitment teams to connect the bank with skilled interim and temporary professionals. NatWest is a major UK retail bank serving more than 19 million customers, with expertise across retail, commercial and private banking. We are recruiting on NatWests behalf for a Product Owner – Fraud Intelligence on a six-month day-rate contract based in London, with hybrid working. The role sits within the Economic Crime Hubs foundational fraud intelligence and decisioning capability, which brings together signals, context and behavioural patterns across customer journeys to help recognise risk across channels and intervene earlier. The platform is intended to strengthen existing journeys and capabilities, initially augmenting the current estate and progressively taking on more decisioning responsibility. In this temporary role, you will contribute to NatWests work to become a simpler, more integrated and technology-driven bank and help build a sustainable bank committed to helping customers succeed.

last updated 40 week of 2026