Fraud Risk Analytics and Insights Manager

Wio Bank; Abu Dhabi; On-site; AED 120,000 - 200,000; Full time

Job summary

A digital-first banking institution in the United Arab Emirates is seeking a Fraud Risk Analytics and Insights Manager to lead fraud risk management. The role involves analyzing fraud data, challenging existing fraud controls, and producing insightful reports for management. Ideal candidates should have over 5 years of experience in fraud risk or analytics, strong SQL skills, and a degree in a quantitative field. This role requires collaboration with multiple teams to enhance fraud prevention measures.

Qualifications

• 5+ years’ experience in fraud risk, fraud analytics, or related roles in banking.
• Ability to translate complex data into actionable insights for stakeholders.
• Strong understanding of credit lifecycle and digital onboarding processes.

Responsibilities

• Analyse fraud loss and case data to identify emerging patterns.
• Challenge first-line fraud rules and strategies with quantitative analysis.
• Produce dashboards and fraud risk reports for senior management.

Skills

SQL

Data analysis

Stakeholder management

Education

Bachelor’s degree in a quantitative field

Job description

About Wio

At Wio Bank, we’re not building a traditional bank — we’re redefining banking for a digital-first world. Through innovative technology and seamless experiences, our teams work together to create meaningful financial products at scale.

As we continue to grow and launch new products, we’re looking for curious minds, bold thinkers, and builders who want to shape the future of banking with us. If you’re excited to grow, make an impact, and be part of a bank that’s still writing its story, Wio could be where you belong.

Role Overview

As a Fraud Risk Analytics and Insights Manager you will be responsible for driving proactive fraud risk management by challenging first‑line controls, analysing fraud data and trends, investigating significant events, and translating findings into clear, evidence‑based recommendations across payments, cards and credit products.

Key Responsibilities

• Analyse fraud loss, alerts and case data to identify emerging patterns, root causes, and control gaps across products, channels and customer segments.
• Independently challenge first‑line fraud rules and strategies (e.g. transaction monitoring, card/radar rules, onboarding checks), providing quantitative impact analysis and optimisation recommendations.
• Lead deep‑dive reviews of major fraud incidents and campaigns, documenting modus operandi, control breakdowns, and lessons learned, and tracking remediation to closure.
• Produce dashboards, scorecards and periodic fraud risk reports for senior management and risk committees, highlighting key trends, KRIs and residual risk.
• Work closely with Product, Credit, and Fraud Operations on new and existing credit journeys (application, underwriting, line management) to identify fraud vulnerabilities and recommend preventive and detective controls.
• Support design and testing of new controls (e.g. rules, models, step‑up authentication, documentation checks), including measurement of false‑positive and customer‑experience impact.
• Maintain and enhance the fraud risk taxonomy, control library, and minimum control standards in line with regulatory expectations and industry best practice.
• Act as a second‑line fraud subject‑matter expert in change initiatives, ensuring fraud risk is adequately assessed in product changes, new features, and technology upgrades.
• Liaise with Legal, Compliance and Operations on significant fraud cases, supporting regulatory reporting and internal governance documentation.

• 5+ years’ experience in fraud risk, fraud analytics, credit risk or related roles in banking, fintech or payments.
• Strong SQL and data analysis skills; experience working with large transaction and case‑management datasets.
• Proven ability to design and assess fraud rules and controls (e.g. card fraud, account takeover, application fraud, mule activity).
• Solid understanding of credit lifecycle and digital onboarding processes, including common fraud typologies.
• Experience completing incident root‑cause analyses and writing structured, executive‑level reports.
• Ability to translate complex data into clear, actionable insights for non‑technical stakeholders.
• Strong stakeholder‑management skills, comfortable challenging first‑line teams in a constructive, collaborative way.
• Bachelor’s degree in a quantitative, business, or risk‑related field (e.g. Finance, Economics, Statistics, Computer Science).
• Professional certifications in fraud, risk or analytics (e.g. CFE, FRM, or similar) are an advantage.