Head, Fraud Management Section (Consumer Banking)

Metrobank; Metro Manila; On-site; PHP 1,200,000 - 2,600,000; Full time

Job summary

Metrobank Card Corporation seeks a Head for Fraud Management Section to lead the fraud management team and oversee the end-to-end fraud framework across issuing, acquiring, investigation, and MIS. You will drive detection, prevention, reporting, and recovery efforts while maximizing the use of Falcon and other platforms to safeguard assets.

Responsibilities include overseeing fraud operations and risk management, governance and business continuity, leadership of staff, and project oversight.

Qualifications

• Bachelor's degree in business, Finance, Accounting, Management, Information Technology, Criminology, or related field.
• 8–10 years of experience in fraud management, card operations, risk management, investigations, or related financial services functions.
• At least 5 years in a leadership or people management role.
• Strong knowledge of credit card.

Responsibilities

• Oversee fraud detection activities for Issuing and Acquiring businesses to ensure timely identification and prevention of fraudulent transactions.
• Optimize the use of Falcon, PRIME Fraud Guard, Risk Finder, and other fraud management tools through regular review and enhancement of rules, parameters, and detection strategies.
• Review and assess prospective merchants to identify fraud risks prior to accreditation.
• Establish and maintain fraud monitoring controls for prepaid card products.
• Lead investigations of actual and suspected fraud cases involving cardholders, merchants, applications, and other fraud incidents.
• Coordinate with business and operating units to implement fraud prevention tools, controls, and best practices.

Skills

Leadership

Fraud management

Risk management

Investigations

Card operations

Education

Bachelor's degree

Tools

Falcon

PRIME Fraud Guard

Risk Finder

Job description

Here at Metrobank, we don't simply hire employees—we hone future leaders. We provide opportunities that enhance your skills and unlock your talents, helping you evolve into a well-rounded individual. We supply you with all the pieces you need to do your best work, unleashing your full potential to help you secure your future and lead a fulfilling career. And with Metrobank's strong heart for the community, you have the chance to give back and make worthwhile contributions to our nation's economic and social development. With Metrobank, a meaningful life is within your reach!

Job Summary

The Head for Fraud Management Section is responsible for leading the Fraud Management Section of Metrobank Card Corporation and overseeing the end-to-end fraud management framework across Issuing, Acquiring, Investigation, and MIS functions. The role ensures the effective detection, prevention, investigation, reporting, recovery, and mitigation of fraud risks while maximizing the use of fraud management systems, including Falcon and other fraud detection platforms. The position is accountable for fraud loss management, recovery initiatives, regulatory and scheme compliance, operational risk controls, business continuity planning, process improvement, and people leadership to safeguard the organization's assets and reputation.

Key Responsibilities

Fraud Operations and Risk Management

• Oversee fraud detection activities for both Issuing and Acquiring businesses to ensure timely identification and prevention of fraudulent transactions.
• Optimize the use of Falcon, PRIME Fraud Guard, Risk Finder, and other fraud management tools through regular review and enhancement of rules, parameters, and detection strategies.
• Review and assess prospective merchants to identify fraud risks prior to accreditation.
• Establish and maintain fraud monitoring controls for prepaid card products.
• Ensure acquiring fraud rates remain within scheme-prescribed thresholds to avoid penalties and reputational risks.
• Ensure timely, accurate, and complete reporting of fraud cases and transactions to card schemes and regulatory bodies.
• Lead investigations of actual and suspected fraud cases involving cardholders, merchants, applications, and other fraud incidents.
• Manage fraud write-off and recovery processes, ensuring appropriate provisioning and maximizing recovery opportunities.
• Conduct root cause analysis and implement corrective measures to strengthen fraud controls and reduce risk exposure.
• Coordinate with business and operating units to implement fraud prevention tools, controls, and best practices.

Fraud Analytics, Reporting, and Process Improvement

• Oversee the preparation and submission of fraud management reports, dashboards, and management information systems (MIS).
• Monitor key fraud metrics, including fraud losses, detection rates, false-positive ratios, fraud savings, and recovery performance.
• Ensure fraud losses are managed within approved business plans and budgets.
• Drive continuous improvement initiatives to enhance operational efficiency, reduce turnaround times, strengthen controls, and lower processing costs.
• Identify process, system, and control gaps and collaborate with stakeholders to implement sustainable solutions.
• Ensure timely resolution of identified operational and fraud-related risks.

Governance and Business Continuity

• Establish, maintain, and regularly test the Business Continuity Plan (BCP) and Continuity of Business (COB) framework for the Fraud Management Section.
• Ensure adherence to internal policies, risk management standards, card scheme requirements, and regulatory guidelines.
• Achieve agreed Key Result Indicators (KRIs) and operational performance targets.

Leadership and People Management

• Lead, develop, and motivate team members through coaching, mentoring, and performance management.
• Build organizational capability by identifying high-potential employees and supporting succession and development planning.
• Foster a high-performance culture through employee engagement, recognition, and continuous learning initiatives.
• Conduct objective and measurable performance evaluations and career development discussions.

Project and Stakeholder Management

• Represent the Fraud Management Section in strategic initiatives and enterprise-wide projects.
• Ensure projects are properly scoped, documented, risk-assessed, and executed within agreed timelines and budgets.
• Lead operational and people-related change management initiatives arising from process, policy, or system enhancements.
• Drive innovation by challenging existing processes and maximizing available technologies and system capabilities.
• Perform other duties, special assignments, and management initiatives as may be assigned.

Qualifications

• Bachelor's degree in business, Finance, Accounting, Management, Information Technology, Criminology, or related field.
• At least 8–10 years of experience in fraud management, card operations, risk management, investigations, or related financial services functions.
• At least 5 years in a leadership or people management role.
• Strong knowledge of credit card

Other Details:

Rank: Senior Officer

Unit: Consumer Business Sector / Credit Operations Group / Authorizations, Fraud, and Chargeback Department