Description
We are currently seeking an experienced professional to join our team in the role of Head of Fraud Business Intelligence and Insights.
The Opportunity Fraud and Credit Services (FCS) is a key International Wealth and Premier Banking (IWPB) control function, enabling sustainable growth through proportionate, effective controls across the customer lifecycle. Its fraud and money mule management function combines technology, analytics optimisation and operational expertise to prevent, detect and respond to emerging threats, protecting customers and the Bank from fraud, financial crime and associated Anti Money Laundering (AML) risks.
In this role, you will:
- Lead the global intelligence, analytics, operations and performance agenda for retail fraud and money mule risk.
- Establish global standards for management information, performance reporting, rule optimisation, and model governance fraud prevention.
- Maintain a forward-looking view of the threat landscape through proactive horizon scanning.
- Convert this insight into strategic threat assessments, detection priorities, control design and investment decisions.
- Promote responsible use of analytics optimisation, automation and machine learning.
- Oversee demand, capacity, productivity, service quality and customer outcomes.
- Provide concise, decision-focused reporting to senior governance forums.
Principal Accountabilities and Responsibilities
- Business performance, executive insight and Management Information (MI): Own the global fraud and money mule performance framework.
- Fraud and mule intelligence: Build a global view of typologies, networks, attack vectors and emerging trends.
- Fraud Control Optimization and Customer Outcomes: Continuously tune fraud rules and decision strategies.
- Model governance: Set and oversee governance standards for fraud models and analytics optimisation.
- Money mule risk management: Strengthen capabilities to identify, disrupt and prevent mule activity.
- Global standards and market enablement: Define minimum standards, reusable methodologies and common tooling.
- Leadership and influence: Lead a geographically dispersed team and influence senior stakeholders.
- Governance and assurance: Provide transparent reporting on performance, control gaps, model or rule deterioration.
- External engagement: Develop/strengthen external relationships with public/private sector partners.
Leadership Capabilities
- Strategic leadership, enterprise-wide influence and decisive stakeholder engagement
- Fraud intelligence, link analysis, and threat assessment fraud prevention
- Performance management, data-led insight and compelling executive storytelling
- Fraud rule optimisation, decision strategy and robust model governance
- Inclusive leadership, sound judgement and development of high-performing teams
To be successful you will:
- Senior leadership experience in retail fraud, financial crime intelligence, or fraud analytics.
- Strong knowledge of payment, card, digital banking and money mule typologies, controls and operating models.
- Track record of improving fraud outcomes through insight, rule optimisation or intelligence-led intervention.
- Working knowledge of model risk management, governance and regulatory expectations.
- Strong commercial and financial acumen.
- Strong influencing capability.