Strategy

• Ensure effective performance in the fraud risk management function thru assisting the Head Fraud Risk Operations, Hong Kong as well as working closely with other team members to adhere to policies and guidelines, taking initiatives to identify risk areas and suggesting changes of control measures.

Business

• Manage the subordinates to handle daily operations of prevention of fraud risk and investigation processes of suspicious fraud cases.
• Handle and communicate with FRSC ensuring services provided meeting the agreed Service Level Agreement.
• Analyse fraud transaction patterns defrauding behaviours to advance fraud preventive device / measures in order to minimise fraud losses.
• Recommend fraud charge-off on time in order to meet both audit requirements and Group Operations Risk Control measures.
• Ensure fraud recovery opportunities are fully optimised.
• Maintain good relationship with law enforcement officials, card associations and card issuing / acquiring members in order to take efficient and adequate risk control measures to reduce losses.
• Provide fraud training/ briefing to all relevant stakeholders within the country whenever necessary.
• Assist to develop effective fraud risk management strategies and timely deploy these strategies across products and channels.
• Identify industry best fraud risk infrastructure and management practices are tabled and are considered for adoption within the country.
• Ensure that gross and residual fraud risks are understood and agreed with the respective business heads in the country.

Processes

• Manage the subordinates to handle daily operations of prevention of fraud risk and investigation processes of suspicious fraud cases.
• Handle and communicate with FRSC ensuring services provided meeting the agreed Service Level Agreement.
• Analyse fraud transaction patterns defrauding behaviours to advance fraud preventive device / measures in order to minimise fraud losses.

• Recommend fraud charge-off on time in order to meet both audit requirements and Group Operations Risk Control measures.
• Ensure fraud recovery opportunities are fully optimised.
• Maintain good relationship with law enforcement officials, card associations and card issuing / acquiring members in order to take efficient and adequate risk control measures to reduce losses.
• Provide fraud training/ briefing to all relevant stakeholders within the country whenever necessary.
• Assist to develop effective fraud risk management strategies and timely deploy these strategies across products and channels.
• Identify industry best fraud risk infrastructure and management practices are tabled and are considered for adoption within the country.
• Ensure that gross and residual fraud risks are understood and agreed with the respective business heads in the country.

People & Talent

• Manage the subordinates to handle daily operations of prevention of fraud risk and investigation processes of suspicious fraud cases.
• Handle and communicate with FRSC ensuring services provided meeting the agreed Service Level Agreement.
• Analyse fraud transaction patterns defrauding behaviours to advance fraud preventive device / measures in order to minimise fraud losses.
• Recommend fraud charge-off on time in order to meet both audit requirements and Group Operations Risk Control measures.
• Ensure fraud recovery opportunities are fully optimised.
• Maintain good relationship with law enforcement officials, card associations and card issuing / acquiring members in order to take efficient and adequate risk control measures to reduce losses.

• Provide fraud training/ briefing to all relevant stakeholders within the country whenever necessary.
• Assist to develop effective fraud risk management strategies and timely deploy these strategies across products and channels.
• Identify industry best fraud risk infrastructure and management practices are tabled and are considered for adoption within the country.
• Ensure that gross and residual fraud risks are understood and agreed with the respective business heads in the country.

Risk Management

• Identify and share industry best practices and work with the businesses for their feasibility and implementation.
• Develop a collaborative relationship with regulators, peer banks and fraud risk industry forums to help detect and mitigate fraud.
• Ensure all FRM policies and procedures in the country comply with Group Policies and Standards. Ensure proper and updated documentation in place for in-country policies and procedures.
• Ensure various fraud risks are being actively prevented and detected in a timely manner on an end-to-end basis.   
• Proactive in seeking regular assurance that areas of responsibility are performing to an acceptable risk and control standards
• Recommend changes to the process control environment or to business practices, where necessary, to reduce the level of fraud risk exposure to within the agreed appetite. 
• Balance business performance delivery and cost management with risk and control matters to ensure that it does not materially threaten the Group, while remaining within risk appetite.

Governance

• Ensure compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements. This includes compliance with local banking laws, other applicable laws and anti-money laundering regulations and guidelines.

• Embed the Group’s values and code of conduct in the country fraud risk management team to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employee forms part of the culture.

• Ensure authorisation rates and processes for the country meet Group standards.

• Ensure compliance to card association rules and regulations.

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group’s Values and Code of Conduct. 

• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.

• Assist the Fraud Risk Operations to achieve the outcomes set out in the Bank’s Conduct Principles.

• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders

Internal Stakeholders

• Group Fraud Risk Operations 
• Fraud Risk Surveillance Centre 
• Financial Crime Compliance
• Business & Segments
• Credit Team – Policy & Collections 
• Operational Risk 
• Internal IT partners supporting CPBB business
• HR & L &TD team
• Operations, Client Care Centre and Customer Experience Management

External Stakeholders

• Auditors and Regulators
• Associations (Visa, MasterCard, other Regional / Local forums) and peer Banks
• Law Enforcement agencies
• Suppliers, vendors and consultants

Our Ideal Candidate

• Bachelor’s degree or equivalent and minimum of 10 years of work experience in banking industry 

Role Specific Technical Competencies

• Manage Conduct
• Manage Risk
• Manage People 

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.