RESPONSIBILITIES

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 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.
• Coach the FRO officers to conduct the daily routines and tackle unusual situation if any.   
• 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.
• Identify industry best fraud risk infrastructure and management practices are tabled and are considered for adoption within the country.
   

Processes

• Assist to lead and drive standardisation, automation and consolidation through re-engineering and process improvement initiatives for the team. 
• Assist to develop and maintain fraud management capabilities, skills and infrastructure in the country that are in compliance with both internal policies and external regulations and are responsive to fraud attacks.
• Respond quickly and decisively when any risk and control weakness becomes apparent and ensure they are addressed within an appropriate timeframe and escalated to the Manager. 
• Enhance the fraud detection capability in both lending & non-lending products. 
• Ensure Lessons Learned shared with stakeholders on timely manner.
• Assist the Manager to develop and conduct fraud awareness and investigation training programs for the country fraud management unit.
• Continuously improve the operational efficiency and effectiveness of fraud risk management processes.
• Ensure effective recovery tracking process in place 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 law enforcement agents, peer banks and fraud risk industry forums to help detect and mitigate fraud.
• Ensure various fraud risks are being actively prevented and detected in a timely manner on an end-to-end basis.   

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.

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

• Manage Conduct
• Manage Risk
• Manage People
   

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