Position Overview
This role is responsible for assessing, monitoring, and mitigating operational risks and fraud risks across the international lending business. The specialist will support risk reviews, fraud detection, incident investigations, and control enhancements for multiple countries. The position works closely with Product, Credit, Operations, Technology, Compliance, and Country Risk Teams to ensure secure and compliant lending operations.
Responsibilities
- Identify operational and fraud risks across lending products, processes, and customer journeys.
- Conduct risk assessments (RCSA, process reviews, control testing) and recommend mitigation measures.
- Monitor KRIs, operational incidents, and emerging risks across regions.
- Analyze fraud patterns such as application fraud, ATO, synthetic identity, and mule activity.
- Work with analytics/tech teams to enhance fraud rules, scoring models, and detection tools.
- Support fraud investigations, validate evidence, and prepare summaries for Compliance/Legal.
- Ensure compliance with AML/KYC, eKYC, and local regulatory requirements for lending.
- Maintain risk and fraud dashboards, reporting trends and insights to management.
- Coordinate with country teams to standardize practices and share best practices.
Qualifications
- Bachelor's degree in Risk Management, Finance, Business, Economics, Forensic Accounting, Cybersecurity, or a related field.
- 37 years of experience in operational risk, fraud risk, financial crime, or lending operations (digital lending preferred).
- Understanding of lending customer journeys, credit processes, and fraud patterns (application fraud, ATO, synthetic identity, mule activity).
- Familiarity with AML/KYC, eKYC, and regulatory requirements in financial services.
- Experience working with fraud detection tools, scoring rules, device intelligence, or transaction monitoring platforms.
- Strong analytical skills, attention to detail, and ability to interpret data for risk insights.
- Good communication skills; able to coordinate with cross-functional and cross-border teams.
- High proficiency in English
- High integrity, confidentiality, and strong ethical standards.
- Preferred Certifications (Plus Advantage)
- CFE Certified Fraud Examiner
- CAMS Certified Anti-Money Laundering Specialist
- CRISC Risk and Information Systems Control
- ISO 31000 Risk Management Certification
