Job Purpose:
This is a middle management risk role within Group Fraud Risk Management responsible for
supporting the fraud risk management function and assisting in fostering a culture of fraud risk
prevention, detection, and response across ABC Group. The incumbent will be asked to:
Support the Head of FRM in the continual design, implementation and improvement of a sound fraud
risk management program, policies, procedures, and fraud monitoring activities including systems to
manage fraud risk throughout ABC Group,
Contribute toward the alignment of fraud risk management strategies across the Group in accordance with the enterprise-wide Risk Management, Internal Control including Operational Risk Management Policies.
Enhance Fraud Risk Dashboard, MIS reporting and .
Engage with Group stakeholders and provide support as appropriate to enhance their abilities to
anticipate and manage fraud events effectively.
Support and oversee the adequacy and strength of the Internal Control throughout the Group
Recommend in consultation with the Head of Fraud Risk Management adequate fraud risk management
framework implementation in order to ensure the fraud risk profile supports the achievement of business objectives.
Ensure that fraud incidents group-wide are managed on timely manner analyzing the root cause, and the
recommend appropriate actions to avoid reoccurrence as a subject matter expert.
Principal Responsibilities, Accountabilities and Deliverables of Role:
1) Strategy, Policy, Framework and Governance
Support the design and implementation of Fraud Risk Management program, tools, and culture.
Contribute toward ensuring Fraud Risk Management Framework and policies are in compliance with the Group, Local, and Industry regulatory requirements and standards.
Ensure that all major fraud risks are identified, properly mitigated, and monitored.
Drive continuous enhancement of FRM Program Group for more efficiencies and effectiveness.
Support Head of Fraud Risk Management establishing and enhancing sound FRM governance group-wide.
2) Process Management
Support standardization, automation and efficiency through re-engineering and process improvement
initiatives across the Group to deliver desired client experience across all channels/ products.
Ensure strong collaboration and concerted efforts with key stakeholders /partners by:
Sharing information on fraud trends and identifying emerging fraud threats.
Leveraging on common tools, information, and processes.
Designing and implementing a fraud preventive strategy
Supporting the 1st Line of Defense in strengthening their RCSAs and identifying, assessing, mitigating, and monitoring fraud risks.
Strengthen Fraud Risk Management capabilities, skills, and infrastructure to enable swift detection and response to fraud attacks.
Act quickly and decisively when any risk and control weakness become apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees.
Support the implementation of the FRM Program and design/monitor the fraud risk metrics to identify potential control weaknesses.
Build and coordinate appropriate fraud detection, deterrence, and investigation activities to limit the likelihood /impact of Fraud incidents/events
Recommend and monitor the implementation of longer-term remediation action to reduce likelihood/ impact of known fraud trends.
Manage fraud incidents and ensure a comprehensive root-cause analysis is completed.
3) Systems
Support in Design and maintain the Group’s Fraud Risk Management Systems.
Continuously enhance the rules for identifying/preventing suspicious transactions on cards and non-cards-based transactions.
Monitor and ensure efficient functioning of fraud monitoring solutions in place.
Identify and review emerging and current transactional fraud risk to fine tune the rules/parameters to enhance or improve detection rates and false positive rates.
In collaboration with the bank’s IT Security team, proactively highlight the new and emerging Fraud Cyber threats.
4) Analysis and Reporting
Prepare analyses reports for Senior Management on key findings as part of the Fraud Risk Management Framework.
Drive standardization and ensure postmortem investigative recommendations are fully adopted across the Group.
Ensure Lessons Learned are shared with all business units/countries on timely manner.
Prepare Internal & External reporting.
Set up a robust MIS deck that captures internal and external fraud trends
5) Training and Awareness
Work with HR and Management to design and deliver relevant fraud risk management training and guidance across the Group to promote robust fraud risk management culture.
Contribute toward designing Fraud Awareness and Prevention campaigns for internal and external audiences.
Job Requirements:
Knowledge
Hands-on knowledge of fraud risk management in both Retail and Wholesale Banking including fraud risk assessments, fraud control testing, incident root-cause analysis etc.
Proven expertise in fraud monitoring system such as ThreatMetrix, One Span, VRM, FRM, RiskNet etc. including fraud scenario design and calibration
Education / Certifications
Bachelor’s degree in Banking, Management, Finance or Data science.
Certified Fraud Examiner (Active status) from ACFE, US
Experience
Minimum of 5-7 years’ core experience in a multi-product, multi-channel, and multi-functional fraud risk environment in Banking (both Retail and Wholesale Banking exposure required).
Good working knowledge of technology systems, e-commerce, online/electronic payments,
accounting/finance analytical skills with proven ability to identify and develop solutions to improve
fraud risk mitigation, reduction, and avoidance.
Working knowledge of industry standards such as COSO, PCI DSS & PA DSS, Visa / MasterCard Cards fraud risk management rules & fraud chargeback norms.
Personal attributes
Strong understanding of enterprise fraud risk management framework and policy.
Strong interpersonal, communication and presentation skills.
Ability to communicate with and gain confidence of the Bank’s Senior Management.
Ability to multi-task and work with minimum intervention or
up.
Strong problem solving, analytical (including qualitative analysis), research, and quantitative skills.
Self-Motivated
الغرض من الوظيفة:
هذا هو دور مخاطر الإدارة الوسطى ضمن إدارة مخاطر الاحتيال بالمجموعة المسؤولة عنه
دعم وظيفة إدارة مخاطر الاحتيال والمساعدة في تعزيز ثقافة مخاطر الاحتيال
الوقاية والكشف والاستجابة عبر مجموعة ABC. سيُطلب من شاغل الوظيفة ما يلي:
دعم رئيس FRM في التصميم المستمر والتنفيذ والتحسين للاحتيال السليم
برنامج إدارة المخاطر والسياسات والإجراءات وأنشطة مراقبة الاحتيال بما في ذلك أنظمة
إدارة مخاطر الاحتيال في جميع أنحاء مجموعة ABC،
المساهمة في مواءمة استراتيجيات إدارة مخاطر الاحتيال عبر المجموعة وفقًا لإدارة المخاطر على مستوى المؤسسة والرقابة الداخلية بما في ذلك سياسات إدارة المخاطر التشغيلية.
تعزيز لوحة معلومات مخاطر الاحتيال وتقارير نظام المعلومات الإدارية و.
الانخراط مع أصحاب المصلحة في المجموعة وتقديم الدعم حسب الاقتضاء لتعزيز قدراتهم على ذلك
توقع وإدارة أحداث الاحتيال بشكل فعال.
الدعم والإشراف على مدى كفاية وقوة الرقابة الداخلية في جميع أنحاء المجموعة
التوصية بالتشاور مع رئيس إدارة مخاطر الاحتيال لإدارة مخاطر الاحتيال بشكل مناسب
تنفيذ إطار العمل من أجل التأكد من أن ملف مخاطر الاحتيال يدعم تحقيق أهداف العمل.
تأكد من إدارة حوادث الاحتيال على مستوى المجموعة في الوقت المناسب وتحليل السبب الجذري لها
التوصية بالإجراءات المناسبة لتجنب تكرار الأمر كخبير في الموضوع.
المسؤوليات الرئيسية والمسؤوليات ونتائج الدور:
1) الإستراتيجية والسياسة والإطار والحوكمة
دعم تصميم وتنفيذ برنامج وأدوات وثقافة إدارة مخاطر الاحتيال.
المساهمة في ضمان توافق إطار وسياسات إدارة مخاطر الاحتيال مع المتطلبات والمعايير التنظيمية للمجموعة والمحلية والصناعة.
Ensure that all major fraud risks are identified, properly mitigated, and monitored.
Drive continuous enhancement of FRM Program Group for more efficiencies and effectiveness.
Support Head of Fraud Risk Management establishing and enhancing sound FRM governance group-wide.
2) Process Management
Support standardization, automation and efficiency through re-engineering and process improvement
initiatives across the Group to deliver desired client experience across all channels/ products.
Ensure strong collaboration and concerted efforts with key stakeholders /partners by:
Sharing information on fraud trends and identifying emerging fraud threats.
Leveraging on common tools, information, and processes.
Designing and implementing a fraud preventive strategy
Supporting the 1st Line of Defense in strengthening their RCSAs and identifying, assessing, mitigating, and monitoring fraud risks.
Strengthen Fraud Risk Management capabilities, skills, and infrastructure to enable swift detection and response to fraud attacks.
Act quickly and decisively when any risk and control weakness become apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees.
Support the implementation of the FRM Program and design/monitor the fraud risk metrics to identify potential control weaknesses.
Build and coordinate appropriate fraud detection, deterrence, and investigation activities to limit the likelihood /impact of Fraud incidents/events
Recommend and monitor the implementation of longer-term remediation action to reduce likelihood/ impact of known fraud trends.
Manage fraud incidents and ensure a comprehensive root-cause analysis is completed.
3) Systems
Support in Design and maintain the Group’s Fraud Risk Management Systems.
Continuously enhance the rules for identifying/preventing suspicious transactions on cards and non-cards-based transactions.
Monitor and ensure efficient functioning of fraud monitoring solutions in place.
Identify and review emerging and current transactional fraud risk to fine tune the rules/parameters to enhance or improve detection rates and false positive rates.
In collaboration with the bank’s IT Security team, proactively highlight the new and emerging Fraud Cyber threats.
4) Analysis and Reporting
Prepare analyses reports for Senior Management on key findings as part of the Fraud Risk Management Framework.
Drive standardization and ensure postmortem investigative recommendations are fully adopted across the Group.
Ensure Lessons Learned are shared with all business units/countries on timely manner.
Prepare Internal & External reporting.
Set up a robust MIS deck that captures internal and external fraud trends
5) Training and Awareness
Work with HR and Management to design and deliver relevant fraud risk management training and guidance across the Group to promote robust fraud risk management culture.
Contribute toward designing Fraud Awareness and Prevention campaigns for internal and external audiences.
متطلبات العمل:
معرفة
معرفة عملية بإدارة مخاطر الاحتيال في كل من الخدمات المصرفية للأفراد والجملة بما في ذلك تقييمات مخاطر الاحتيال واختبار مكافحة الاحتيال وتحليل الأسباب الجذرية للحوادث وما إلى ذلك.
خبرة مثبتة في أنظمة مراقبة الاحتيال مثل ThreatMetrix وOne Span وVRM وFRM وRiskNet وما إلى ذلك، بما في ذلك تصميم سيناريوهات الاحتيال ومعايرتها
التعليم / الشهادات
درجة البكالوريوس في العلوم المصرفية أو الإدارة أو المالية أو علوم البيانات.
فاحص الاحتيال المعتمد (الحالة النشطة) من ACFE، الولايات المتحدة
خبرة
خبرة أساسية لا تقل عن 5-7 سنوات في بيئة مخاطر احتيال متعددة المنتجات ومتعددة القنوات ومتعددة الوظائف في الخدمات المصرفية (مطلوب التعرض للخدمات المصرفية للأفراد والجملة).
معرفة عملية جيدة بأنظمة التكنولوجيا، والتجارة الإلكترونية، والمدفوعات عبر الإنترنت / الإلكترونية،
مهارات تحليلية محاسبية / مالية مع قدرة مثبتة على تحديد وتطوير الحلول للتحسين
التخفيف من مخاطر الاحتيال والحد منها وتجنبها.
معرفة عملية بمعايير الصناعة مثل COSO وPCI DSS & PA DSS وقواعد إدارة مخاطر الاحتيال في بطاقات Visa / MasterCard ومعايير رد المبالغ المدفوعة للاحتيال.
سمات الشخصية
فهم قوي لإطار وسياسة إدارة مخاطر الاحتيال في المؤسسة.
مهارات قوية في التعامل مع الآخرين والتواصل والعرض.
القدرة على التواصل مع الإدارة العليا للبنك وكسب ثقتها.
القدرة على القيام بمهام متعددة والعمل بأقل قدر من التدخل أو
أعلى.
حل المشكلات القوي والتحليلي (بما في ذلك التحليل النوعي) والبحث والمهارات الكمية.
دوافع ذاتية
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