Fraud Prevention & Investigation Lead

Tonik Bank; Pasig; On-site; PHP 1,500,000 - 3,200,000; Full time

Job summary

Tonik Bank is seeking a strategic Anti-Fraud Investigation Lead in Philippines to spearhead fraud prevention across digital banking and lending ecosystems. You will lead a high‑performing Anti-Fraud Unit, strengthen investigation and control frameworks, and drive improvements aligned with risk policies.

You will monitor fraud trends, provide strategic recommendations, supervise the team, and collaborate with stakeholders to ensure effective pre- and post-booking checks and rapid incident

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.

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).

Skills

Analytical thinking

Data analysis

Leadership

Communication

Education

Bachelor's degree in a quantitative field

Tools

SQL

Python

R Programming

Tableau

Power BI

Job description

Tonik Bank is seeking a strategic Anti-Fraud Investigation Lead in Philippines to spearhead fraud prevention across digital banking and lending ecosystems. You will lead a high‑performing Anti-Fraud Unit, strengthen investigation and control frameworks, and drive improvements aligned with risk policies.

You will monitor fraud trends, provide strategic recommendations, supervise the team, and collaborate with stakeholders to ensure effective pre- and post-booking checks and rapid incident