Fraud Ops Senior Analyst

Citi Group; Kuala Lumpur; On-site; MYR 90,000 - 130,000; Full time

Job summary

Citi Private Bank in Malaysia is seeking a Fraud Operations Analyst 2 to monitor fraud alerts, investigate unusual activity, and engage with high-value Citi Private Bank clients to validate transactions. The role emphasizes risk-aware decision-making and rigorous documentation of investigations.

The successful candidate will bring strong analytical skills, experience in fraud monitoring or investigations, and the ability to work across a 24/7 APAC/EMEA shift environment while maintaining

Qualifications

• Bachelor’s degree in Banking, Finance, Business, Risk Management, or a related field.
• 2–4 years of fraud operations, banking operations, or financial services experience.
• Strong analytical and problem-solving abilities.
• Ability to engage with high-value clients professionally.
• Willingness to work APAC/EMEA 24/7 shift, including weekends.
• Experience in fraud monitoring or investigations.
• Knowledge of payment fraud and financial crime risks.
• Experience servicing affluent or private banking clients.

Responsibilities

• Monitor fraud detection systems to identify potentially suspicious transactions.
• Investigate fraud alerts across multiple banking and payment channels.
• Conduct outbound calls to Citi Private Bank clients to authenticate transactions.
• Take ownership of the resolution of fraud-related customer complaints with high client satisfaction.
• Analyze account behaviors and transactional patterns to assess fraud risk.
• Make risk-based decisions according to fraud policies.
• Escalate complex or high-risk cases appropriately.
• Document investigations and actions accurately and comprehensively.
• Identify emerging fraud trends and recommend control enhancements.
• Collaborate with Fraud Strategy, Operations, Risk, Compliance and business partners.
• Support business continuity in a 24/7 operating environment.
• Assess risk with attention to firm's reputation and regulatory compliance.

Skills

English

Mandarin

Cantonese

Analytical skills

Problem-solving

Client communication

Decision making under pressure

Risk awareness

Education

Bachelor’s degree in Banking, Finance, Business, Risk Management, or related field

Job description

About Citi Private Bank Citi Private Bank serves some of the world's most sophisticated clients, including ultra-high-net-worth individuals, entrepreneurs, executives, and family offices. Through our global footprint and decades of expertise, we deliver personalized wealth management, banking, lending, and investment solutions that help our clients achieve their financial objectives.

Position Summary

The Fraud Operations Analyst 2 is responsible for reviewing fraud alerts, investigating unusual account activity, and engaging directly with Citi Private Bank clients to validate transactions and mitigate fraud risk. The successful candidate will demonstrate strong analytical capabilities, sound risk judgment, and a commitment to providing best-in-class client service.

Responsibilities

• Monitor fraud detection systems to identify potentially suspicious transactions and activities.
• Investigate fraud alerts across multiple banking and payment channels.
• Conduct outbound calls to Citi Private Bank clients to authenticate transactions and verify account activity.
• Take ownership of the structured management and resolution of fraud-related customer complaints, ensuring a high level of client satisfaction.
• Analyze account behaviors and transactional patterns to assess fraud risk.
• Make risk-based decisions in accordance with established fraud policies and procedures.
• Escalate complex or high‑risk cases appropriately.
• Document investigations and case actions accurately and comprehensively.
• Identify emerging fraud trends and recommend control enhancements.
• Collaborate with Fraud Strategy, Operations, Risk, Compliance, and business partners.
• Support business continuity and operational readiness within a 24/7 operating environment.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
• Languages: Proficiency in English, Mandarin and Cantonese is required

Qualifications

• Bachelor’s degree in Banking, Finance, Business, Risk Management, or a related field.
• Minimum of 2 to 4 years of experience in fraud operations, banking operations, financial services, investigations, or related disciplines.
• Strong analytical and problem‑solving skills.
• Ability to confidently engage with high‑value clients and manage sensitive conversations professionally.
• Demonstrated ability to make sound decisions under pressure.
• Amenable to working on an APAC/EMEA shift and open to a 24/7 shift environment, including weekends and public holidays.
• Experience in transaction monitoring, fraud investigations, or fraud prevention.
• Knowledge of payment fraud, account takeover fraud, wire fraud, digital banking fraud, or financial crime risks.
• Experience servicing affluent, wealth management, or private banking clients.

Job Family Group

Operations - Services

Job Family

Fraud Operations

Time Type

Full time

Most Relevant Skills

Please see the requirements listed above.

Other Relevant Skills

AML Monitoring, AML Monitoring, Anti-Money Laundering (AML), Anti-Money Laundering (AML) Policy, Bank Fraud, Consumer Fraud, Corporate Fraud, Counter Fraud, Due Diligence, Fraud Analysis, Fraud Analytics, Fraud Auditing, Fraud Awareness, Fraud Controls, Fraud Detection, Fraud Disputes, Fraud Examinations, Fraud Investigations, Fraud Management, Fraud Mitigation, Fraud Modeling, Fraud Monitoring, Fraud Operations, Fraud Prevention, Fraud Protection {+ 4 more}.

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