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Jobs or company...

Lead - Fraud Risk Operations

Salary undisclosed
Checking job availability...
Original
Simplified

Job ID: 12990

Location: Kuala Lumpur, MY

Area of interest: Operations

Job type: Regular Employee

Work style: Hybrid Working

Opening date: 24 Mar 2025

Job Summary
Business
  • Implement consistent FRM policy, strategies and Global Process Standards across all channels and products in the region
  • Support the development of Fraud Risk Assessment for all new products and channels/changes to existing products, to identify and respond to existing and emerging fraud risks.
  • Have oversight of processes and controls across all channels and products in the region.
  • Optimise operating efficiency while balancing the effectiveness of decision making within the Fraud Risk Management function.
  • Ensure the Fraud Risk Management framework is effectively embedded and communicated across Retail segment in the region.
Processes (FRM Strategy)
  • Support standardisation, automation and consolidation through re-engineering and process improvement initiatives in countries for Fraud Risk Management function.
  • Develop and maintain Fraud Risk Management capabilities, skills and infrastructure that are in compliance with both internal policies and external regulations and are responsive to fraud attacks
  • Act quickly and decisively when any risk and control weakness becomes apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees
  • Communicate and escalate to seniors on gaps and progress of gaps closures
  • Implement the Operational Risk Framework in Retail Risk Operations and monitor the operational risk metrics to identify potential control weaknesses
  • Implement control enhancements as required basis the fraud risk assessments which are approved. To lead the FRA and be the SME for Cards (credit and debit) across the network.
  • Re-engineer process to identify fraud and deliver desired client experience across all channels/products
  • Strong collaboration and concerted efforts with key stakeholders/partners (e.g. Retail Clients Risk, GIS, L&C, FCC, GCI, ID, Operations, product/business teams, etc.) by
  • sharing information on fraud trends and identifying emerging fraud threats
  • leveraging on common tools, information and processes

Key Responsibilities
Processes (FRM Operations)
  • Provide support to global standard operational models, centralization and automation.
  • Accountable for pre-booking scenarios development / fine-tuning to influence detection rates and FPR for the region.
  • Accountable for post-booking scenarios development / fine-tuning to influence detection rates and FPR in the region.
  • Work closely with the FRSC for CPP identification using data analysis and hit rates.
  • Monthly review with Country FRM / RRO Heads as well as Regional RB Heads and other senior stakeholders.
  • Sharing of significant fraud MO, root causes and best practices are included in the Global standards.
  • Support and provide feedback/guidance on issues faced within the countries through fraud metrics review with Retail Risk Operations heads.
  • Ensure early detection. Identify and review emerging and current transactional fraud risk to fine tune the rules/parameters to enhance or improve detection rates and FPR.
  • Develop fraud awareness programs and ensure country conduct fraud awareness training within country or GBS CI unit and Lending Operational staff who receive and collate application documents.
  • Develop and maintain fraud management capabilities, skills and infrastructure that are in compliance with both internal policies and external regulations
  • Act quickly and decisively when any risk and control weakness becomes apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant countries.
  • Support implementation of the Group Operational Risk Framework in Retail Risk Operations and monitor the operational risk metrics to identify potential control weaknesses.
  • Ensure 3DS analysis/MIS is shared with country FRM as per timelines agreed.


People and Talent
  • Support identification, engagement and retention of high quality FRM professionals
  • Ensure that holders of all critical roles are suitably skilled and qualified for their roles ensuring that they have effective supervision in place to mitigate any risks
  • Lead through example and build the appropriate culture and values within the Fraud Risk Management team. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners
Risk Management
  • Stay abreast with industry existing/emerging fraud risks
  • Identify and share industry best practices and work with the businesses for their feasibility and implementation
  • Evaluate latest practices/tools to identify next generation fraud detection system
  • Develop a collaborative relationship with regulators, peer banks and fraud risk industry forums to help detect and mitigate fraud

Skills and Experience
Governance
  • Provide oversight across Retail Risk Operations team, ensuring compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements
  • Embed the Group’s values and code of conduct in Retail Risk Operations to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture.
  • Ensure adherence to Chapter 6 by:
 Reviewing Pre & Post booking monthly reviews
Regulatory & Business Conduct
  • Display exemplary conduct and live by the Group’s Values and Code of Conduct
  • Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, and applicable laws, regulations, guidelines and the Group Code of Conduct.
  • Lead Fraud Risk Operations globally to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; and The Right Environment.
  • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key Stakeholders
  • Internal stakeholders
  • Regional CCO Retail Clients, RCOs, CCH, CCROs, SOROs
  • Regional / Country Business Heads and Product Head, Retail Client segment
  • PGCs and CGCs
  • Financial Crime Compliance and Shared Investigations Services
  • Relevant members of Risk Operations management team
  • IT partners supporting Retail Clients business
  • HR OL team
  • Fraud 2nd line of defence
  • Country FRM
  • External stakeholders
  • Auditors and Regulators
  • Associations (Visa, MasterCard, Amex and other Regional / Local forums) and peer Banks
  • Law Enforcement agencies
  • Suppliers, vendors and consultants
KNOWLEDGE AND SKILLS
  • Business Strategy and Model: Good working knowledge of Standard Chartered's Retail Clients business and that of peers in the industry
  • Non-technical Skills: Strong written / oral communication and influencing skills. Ability to create effective work relationships within and across functions & borders
  • Risk Management and Control: Good working knowledge of Standard Chartered's approach to risk management, specifically as applicable to Retail Risk Operations
  • Governance, Oversight and Controls: Strong leadership capabilities and management skills, with the ability to deliver effective controls within Retail Risk Operations through both directly-managed and virtual team
  • Regulatory Framework and Requirements: Awareness and understanding of the regulatory framework in which the firm operates, and the regulatory requirements and expectations relevant to the role of Head, FRM Channels & Products

About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.
Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.
Together we:
  • Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
  • Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
  • Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
What we offer
In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
  • Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
  • Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
  • Flexible working options based around home and office locations, with flexible working patterns.
  • Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
  • A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
  • Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

www.sc.com/careers