Senior Fraud Risk & Oversight Leader (2nd Line)

Deel; Stockholms kommun; Hybrid; SEK 900,000 - 1,100,000; Full time

Job summary

Klarna in Sweden is seeking an experienced Fraud Risk professional to join the second line of defense, ensuring fraud risk is identified, measured, and managed within the bank’s risk appetite. You’ll influence through strong judgment and collaboration with first-line teams.

You’ll define the fraud risk taxonomy, own risk assessments, test controls (rules engines, ML models), and produce MI and dashboards for risk committees and the Board. Expect heavy stakeholder governance and data analysis.

Qualifications

• 7+ years in fraud or risk, with payments and lending experience
• Experience applying risk frameworks like Three Lines of Defense
• Ability to review models and interpret precision/recall metrics

Responsibilities

• Define and maintain the fraud risk taxonomy, risk appetite statements, and key risk indicators
• Own the methodology for fraud risk assessments and run assessments periodically
• Independently test and challenge first-line fraud controls, including rules engines and ML models
• Challenge first-line risk acceptance decisions and negotiate timelines with business owners
• Produce fraud risk MI and dashboards for risk committees and the Board
• Monitor emerging fraud typologies and review material incidents, losses, and control breaches
• Provide an independent opinion on new products, markets, and material changes from a fraud risk perspective
• Maintain the fraud risk policy and ensure first line follows it
• Track regulatory developments (PSD2/PSD3, AML rules) and support regulatory exams
• Coordinate with Legal, Compliance, and Internal Audit on information cadence

Skills

Fraud risk management

Stakeholder management

Data analysis

Regulatory awareness

Job description

Klarna in Sweden is seeking an experienced Fraud Risk professional to join the second line of defense, ensuring fraud risk is identified, measured, and managed within the bank’s risk appetite. You’ll influence through strong judgment and collaboration with first-line teams.

You’ll define the fraud risk taxonomy, own risk assessments, test controls (rules engines, ML models), and produce MI and dashboards for risk committees and the Board. Expect heavy stakeholder governance and data analysis.