About the Job

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EMEIA Fraud Manager - Apple Wallet, Payments & Commerce

London, England, United Kingdom Software and Services

Apple is seeking an experienced Fraud Manager to manage and execute risk and fraud prevention measures for the Apple Pay and Apple Wallet platforms across the EMEIA region.Based in London, the successful candidate will be a pivotal member of the EMEIA Wallet, Payments & Commerce team. This is a key externally‑facing role, requiring you to develop and maintain positive relationships with a diverse range of partners—including banks, transit operators, and payment networks. You will be their primary contact for fraud prevention, education to Apple Pay fraud guidelines, and optimisation of provisioning decision flows to maximise conversion whilst protecting our customers and partners from fraud. This role will also require to collaborate closely with Apple's internal global technical, business, and fraud teams.Our team operates in a dynamic, evolving environment and seeks proactive individuals who are ready to take a hands‑on approach to help us achieve our ambitious goals.

Description

Support the execution of the EMEIA fraud prevention program, ensuring alignment with global strategy.Drive continuous improvement in fraud detection and prevention systems, processes, and controls with partners.Cultivate and manage strategic relationships with risk and fraud teams at partner organisations, including issuing banks, payment networks, regulatory bodies and transit authorities.Collaborate with cross‑functional teams, including Product, Engineering and Data Science, to help partners implement innovative fraud mitigation solutions.Optimise fraud operations by analysing data, refining processes and implementing best practices for case management to improve efficiency and effectiveness.Lead regular business reviews and workshops with partners to drive alignment, share insights, and improve fraud prevention efforts.

Minimum Qualifications

• Experience in a fraud prevention role at a card issuer or payment scheme
• Deep knowledge of the payments ecosystem, including various payment networks, fraud detection technologies, and emerging trends in the region
• Demonstrated success in handling and optimising counter-fraud operations and processes.
• Proven experience in a partner‑facing role, with the ability to build and maintain positive relationships with external partners, at senior level
• Highly motivated and self‑directed, with a strong sense of ownership and a focus on achieving key business outcomes.
• Outstanding analytical and data‑driven approach, with the ability to translate complex information into actionable insights
• Excellent process analysis skills, with the ability to identify inefficiencies and implement meaningful improvements.
• Experience and expertise of payments, partners and fraud landscapes across the EMEIA region (primarily either the Middle East and/or Continental Europe)
• Excellent verbal and written communication skills

Preferred Qualifications

• Degree education in relevant field desirable but candidates from all education backgrounds are encouraged to apply.
• Additional regional language skills are advantageous

At Apple, we're not all the same. And that's our greatest strength. We draw on the differences in who we are, what we've experienced and how we think. Because to create products that serve everyone, we believe in including everyone. Therefore, we are committed to treating all applicants fairly and equally. As a registered Disability Confident employer, we will work with applicants to make any reasonable accommodations. Apple will consider for employment all qualified applicants with criminal backgrounds in a manner consistent with applicable law. Learn more

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