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.
Within International Risk Management, the B+ Risk Management team is responsible for identifying and managing risk across all to B product processes and countries at Ant International. We’re looking for a Fraud Risk Operation Specialist who has practical experience in handling different types of fraud cases, strong sense of the business, and want to be a part of the evolution for the next generation of risk management. This role will mainly support the Worldfirst EMEA region to conduct investigation and mitigate the risk of transaction fraud, scam, abuse and account take-over, as well as balance user experience. Responsibilities o In depth understanding of merchant collection, cross-border FX transfers and international payments business, ensure the safety of merchant account and support business growth o Monitor real time queues and identify high risk transactions and activities within the business portfolio o Review customer transactions to identify fraudulent activity, and resolve queued investigation tasks within the service level agreements to reduce potential revenue loss o Identify gaps in current SOPs, policies and strategies, recommend enhancements based on the assessment of risk cases, and take actions to mitigate emerging fraud risks with guidance from managers o Maintain effective relationships with front office staff and risk functions, liaise with cross function teams on joint investigations o Extract and analyze data, generate metrics and perform analysis leverage Ant risk capabilities