Card Risk & Systems Analyst: Fraud Rules, APIs & Dashboards

Industrial and Commercial Bank of China (Asia) Limited; Hong Kong; On-site; HKD 900,000 - 1,300,000; Full time

Job summary

Industrial and Commercial Bank of China (Asia) Limited is seeking a skilled risk management professional to develop and optimize credit card transaction systems, including authorisation, clearing, settlement, and reconciliation.

You will collaborate with IT and vendors on system enhancements, conduct UAT and regression testing, translate business and risk requirements into technical specs, and monitor fraud detection parameters to balance risk controls with customer experience.

Qualifications

• Bachelor's degree or above in Computer Science, IT, Finance, Statistics, Risk Management, or related disciplines.
• Hands-on experience with fraud rule engines, scoring models, and monitoring parameters.
• Proficient in SQL, MS Excel (Pivot Tables, VBA); experience with Python or R.
• Fluent in Cantonese, Mandarin, and English.
• Ability to work under pressure and respond swiftly to incidents.

Responsibilities

• Develop and implement credit card transaction systems covering authorisation, clearing, settlement, and reconciliation.
• Collaborate with IT and vendors on system enhancement projects and new feature rollouts.
• Conduct UAT and regression testing to ensure releases meet business and risk control requirements.
• Translate business and risk requirements into technical specifications, Parameter Optimisation & Rule Configuration.
• Manage APIs and system interfaces with card networks (Visa, Mastercard, UnionPay).
• Configure and fine-tune fraud detection rule parameters to balance risk control and customer experience.
• Optimise credit limit parameters including scoring cut-offs and exposure management settings.
• Transaction Monitoring & Incident Management, document all parameter changes and conduct post-implementation reviews.
• Investigate flagged transactions and take containment actions (e.g., card blocking, limit reduction).
• Produce monitoring reports and risk dashboards using SQL, Python, and visualisation tools.

Skills

Fraud rule engines

Scoring models

Monitoring parameters

SQL

Excel Pivot Tables

VBA

Python

R

Cantonese

Mandarin

English

Under pressure

Education

Bachelor's degree or above

Job description

Industrial and Commercial Bank of China (Asia) Limited is seeking a skilled risk management professional to develop and optimize credit card transaction systems, including authorisation, clearing, settlement, and reconciliation.

You will collaborate with IT and vendors on system enhancements, conduct UAT and regression testing, translate business and risk requirements into technical specs, and monitor fraud detection parameters to balance risk controls with customer experience.