Anti-Fraud Investigation Lead

Tonik Digital Bank, Inc.; Philippines; On-site; PHP 2,705,953 - 3,607,937; Full time

Job summary

A digital banking company in the Philippines is seeking a strategic Lead, Anti-Fraud Operations & Risk Management. In this role, you will lead the Anti-Fraud Unit, manage a skilled team, and develop strategies to implement effective fraud risk management. Candidates should hold a Bachelor's degree in a quantitative field and have extensive experience in data analysis, team management, as well as knowledge of lending processes and fraud practices. Strong analytical, communication, and technical skills are essential. Join us to make a difference in digital banking and consumer protection.

Qualifications

• Minimum of 5 years of experience in data analysis or related functions.
• Minimum of 4 years’ experience in managing an analytical team.
• Understanding of lending processes within banks is an advantage.
• Knowledge of bank services, lending products, and Anti-Fraud practices is preferred.

Responsibilities

• Lead Anti-Fraud Unit and manage a high-performing team.
• Implement fraud risk management strategies aligned with operational policies.
• Conduct anti-fraud checks and establish guidelines for customer segments.
• Evaluate fraud trends and processes in support of business direction.

Skills

Data analysis

Data reporting

Fraud risk management

Advanced Excel skills

SQL

Data visualization (Tableau, Power BI)

Critical thinking

Communication skills

Education

Bachelor's degree in a quantitative field

Tools

Python

R Programming

Job description

We’re looking for a strategic and driven Lead, Anti-Fraud Operations & Risk Management to help protect our customers and business by leading fraud prevention initiatives across our digital banking and lending ecosystem. In this role, you will lead a high-performing Anti-Fraud Unit, strengthen investigation and control frameworks, and drive process improvements aligned with business growth and risk policies. If you thrive in fast-paced digital environments and are passionate about staying ahead of emerging fraud trends through innovation, analytics, and strong leadership, this role is for you.

Responsibilities

• Reports to the Head of CQ&A Anti-Fraud
• Supports Head of Anti-Fraud: Assists and implements all aspects of fraud risk management strategies aligned with the operational risk policies, risk management framework, as well as business direction.
• Leads Anti-Fraud Unit: Manages and develops a high-performing team.
• Supervises the Team’s Overall Responsibilities: Establishes processes for monitoring the fraud queue, ensures a dependable investigation output and recommendations.
• Achieves Productivity Targets: Ensures the unit meets the agreed productivity key performance indicators (KPIs) regarding turnaround time for various tasks.
• Manages Fraud Risk: Identifies and prevents fraud risk by implementing checks and balances, monitoring vulnerable areas, and activities.
• Subject Matter Expert: Represents the CQ&A AF Team in discussions and provides expertise on fraud mitigation process improvements across all bank processes.
• Provides Out of the Box Strategic Recommendations: Offers recommendations based on emerging fraud trends in consumer credit and digital lending, as well as market intelligence.
• Assess Fraud Trends and Processes in place in support of the business direction: Evaluates the effectiveness of application fraud scores, triggers and controls to mitigate if not eliminate fraud.
• Conducts Anti-Fraud Checks: Establishes guidelines for routine pre- and post-booking checks for different customer segments, products, and acquisition channels.
• Reports Fraud Incidences: Establishes a process for reporting fraud incidents and corrective actions to senior management.
• Maintains Learning Repository: Builds and maintains an updated repository of past fraud trends to enhance anti-fraud control processes.
• Conducts Ad hoc Investigations especially on High Impact Incidents: Performs investigations and provides quick resolutions as needed.
• Automates Fraud Processes: Standardizes and automates fraud risk management processes and controls suitable for a digital lending environment.
• Evaluates New Initiatives: Assesses new initiatives, such as products, customers, and acquisition channels, to identify and mitigate potential fraud risks.
• Stays Informed: Keeps up-to-date with fraud trends in the market.
• Raises Fraud Awareness: Conducts fraud awareness campaigns for relevant stakeholders.
• Participates in Testing: Contributes to system testing and certification, including user acceptance testing (UAT) and business continuity planning (BCP).

Qualifications

• Bachelor's degree in a quantitative field such as mathematics, statistics, computer science or related field
• Minimum of 5 years of experience in data analysis, data reporting, or related functions
• Minimum of 4 years’ experience in management of an analytical team – task definition, feedback, data governance
• Understanding of the lending processes within banks and financial institutions is an advantage
• With advanced Excel skills, proficient in SQL, and adept in using other analytical tools (Python, R Programming, etc.)
• Skilled with data visualization tools such as Tableau, Power BI, or similar
• Strong analytical and critical thinking skills
• Excellent written and verbal communication skills
• Ability to work independently and within a team setting
• Resourceful, initiative-taking, adaptable, and comfortable working in a challenging environment
• Knowledge of bank services, lending products, consumer credit and Anti-Fraud practices is preferred
• Experienced Credit data analyst or Anti-Fraud data analyst is an advantage.