蚂蚁金服Ant International-Fraud Risk Lead-Anext Bank
任职要求
• 10+ years' fraud risk or financial crime experience in banking/fintech, with exposure to both strategy/policy and operations. • Strong knowledge of banking fraud typologies (application fraud, mule accounts, account takeover, scams, etc.). • Proven experience with fraud analytics/reporting and data-driven detec…
工作职责
Fraud Risk Lead acts as the strategic brain and face of fraud risk for the Bank, owning overall strategy, governance, analytics, and external touchpoints for all fraud related areas. This role will report in to the Chief Risk Officer. The Fraud Risk Lead will be responsible for executing and enhancing the Bank's fraud risk management framework, aligning with MAS guidelines and industry best practices. This role covers fraud strategy, governance, and analytics, while providing oversight to the fraud analysts handling day-to-day monitoring and prevention activities. • Define the fraud risk strategy, appetite, and policies in alignment with enterprise risk and regulatory expectations. • Establishing fraud risk governance forums, reporting dashboards, and KRIs for senior management/board oversight. • Ensure compliance with MAS guidelines and industry fraud standards. • Lead development of fraud detection rules, models, and analytics dashboards. • Conduct fraud trend analysis and horizon scanning to identify emerging threats. • Partner with data science/technology teams to deploy fraud rules/models. • Supervise fraud analysts covering onboarding reviews, transaction monitoring, and investigations. • Provide guidance on case escalation and regulatory reporting. • Act as key liaison with industry fraud forums, and law enforcement on fraud-related matters. • Coordinate with Regulatory Compliance to prepare and report to the regulator/ law enforcers as required. • Develop and provide fraud training for the Bank employees to promote fraud risk awareness and ensure relevant employees are trained on the fraud risk policy. • Define and propose risk management metrics to monitor the risk and control environment; and periodically report to the risk committees to support senior management in risk oversight and governance • Conduct fraud risk assessment on new products launch and processes change • Support internal and external audit engagements, and assessments like RCSA.
负责支付风控，推动包括fraud rate，chargeback rate等在内的核心风控指标持续优化。 1、开发并优化欺诈模型、支付可信分、用户画像等模型； 2、搭建各业务环节的机器学习模型，并负责模型部署应用、维护、监控和升级迭代； 3、推动用户行为序列、消费能力、欺诈特征挖掘，并对数据挖掘结果进行评估和校验； 4、负责建模流程优化，提升模型开发和部署效率，降低模型维护成本； 5、研究前沿机器学习算法在领域的实践和应用。
• Monitor transactional data to identify suspicious patterns, emerging fraud trends and anomalies. • Design and maintain fraud detection dashboards, models, and rules using statistical and machine learning techniques. • Collaborate with product, engineering, and compliance teams to implement and fine-tune fraud detection. • Conduct root cause analyses on fraud incidents and provide actionable insights. • Develop reporting frameworks to communicate fraud trends, risk metrics, and investigation outcomes to stakeholders. • Continuously refine detection logic based on feedback and fraud evolution. • Support incident response teams in investigating and responding to fraud alerts. • Stay current with industry best practices and evolving fraud tactics.
• Monitor and analyse banking transactions and customer activities with bank systems. Identify suspicious patterns, unusual behaviour, and high-risk activities that may indicate money laundering, fraud, or other illicit activities. Review and document findings, including detailed analysis with supporting evidence. • Conduct investigations on identified suspicious transactions or activities. • Preparation/Filing of STRs to STRO, ensuring compliance with regulatory reporting obligations and timelines. • Handling of day-to-day TM alerts/matters and proactively monitor aging status of assigned TM alerts and reporting to Singapore Team. • Prepare insightful Management Information System (MIS) reports for internal and/or regulatory related reporting. • Provide guidance to junior members of the TM Team. • Provide assistance to TM Lead, as required. • Proactively identify opportunities to enhance and optimise the design of EDD rules, processes and frameworks to align with evolving business needs and regulatory expectations. • Stay abreast of the latest regulatory developments in AML/CFT and ensure our processes align with industry-leading practices and regulatory guidelines. • Proactively prepare for and navigate regulatory audits to ensure our TM framework and processes remains compliant. • Foster a collaborative approach within AML Team and other departments within the Bank. • Support AML Team in the execution of ad-hoc key AML/ CFT matters where required.
With Ant's globalization strategy to provide excellent online payment service to SME clients, the candidate should have sense of global business development and strong sensitivity on online Payment and Finance Risk management operation areas. You would have the chance to design the end-to-end Risk Management operation solution about SME clients’ Onboarding and the day to day transition risk monitoring. To better achieve the risk management strategy, you would have the chance to work with the expertise globally to demonstrate how to better mitigate risk during onboarding review and transaction monitoring, and balance customer experience and risk control. At the same time, we would expect you to leading local risk operation systems establishment to facilitate the business growth in a health way. Responsibilities: 1.Understand business and internal product and process,to ensure the Risk operation excellent. 2.Design fraud and AML risk cases investigation method and prepare related for training to Risk team as well as business team. 3.Conduct Customer Due Diligence background investigations in adherence with fraud risk policy and compliance. 4.Work closely with the team to analysis the risk characteristics, customer experience pain points in a systematic way and establish the internal library of Customer Risk Profile. Provide knowledge feedback to risk policies/strategies team to improve operational efficiency and customer experience. 5.Monitor the operation system efficiency, and prepare intelligence reports / circulars for management's review. 6.Coordinate or collaborate with business units to solve the fraud and AML risk case, ensure the business comply with local requirement. 7.Support other ongoing customer risk management solution, including but not limit to, periodically account review, Enhance Due Diligence, etc.