Head Fraud Risk Management

Opportunity Information

The Role

We are seeking an experienced and decisive Head Fraud Risk Management to lead the Bank's fraud prevention and detection across all digital channels. The role will set the Bank's fraud risk strategy, run real-time fraud detection and response, and design fraud controls into customer journeys.

•Set the Bank's fraud risk strategy and risk appetite, and own the Digital Fraud Prevention Policy and fraud risk framework for Board approval •Build and head the Fraud Risk Management Department, covering real-time monitoring, investigations, and fraud analytics and strategy •Own the Enterprise Fraud Management (EFM) solution, providing real-time monitoring of the mobile app, RAAST, IBFT, cards and wallets, with risk-based step-up authentication and automatic suspension •Approve fraud detection rules, risk scores, limits, and the Bank's account, channel and device blocking policy •Deploy behavioural profiling, device fingerprinting and device binding controls, and block and report fraudulent devices to PTA •Design fraud controls into customer journeys with Digital Products and IT, including limits, cooling-off periods, beneficiary and device-change controls, and NADRA biometric checks •Detect and prevent onboarding fraud, account takeover, social engineering, SIM-swap and mule accounts •Ensure FTDH disputes, fund blocking, investigations and reversals are completed within SBP timelines, and run 24/7 fraud operations, including instant channel blocking for customers •Personally handle major and high-value fraud cases, lead investigations and root-cause analysis, and coordinate with FIA, NCCIA and other LEAs •Manage card fraud risk, including Visa, Mastercard and PayPak scheme fraud programs and chargebacks •Ensure digital fraud reporting and other fraud-related returns to SBP within prescribed timelines •Report fraud KPIs and KRIs to senior management, quarterly fraud summaries to the Board Risk Committee, and an annual fraud review to the Board •Supply content on fraud trends and safety messages for customer awareness campaigns, and deliver fraud training for staff and contact centre agents •Decide customer compensation for fraud losses in line with SBP's liability framework and delegated authority •Manage the fraud function's budget, EFM and device-intelligence vendors, and coordinate with Information Security on cyber-enabled fraud

Applicants General Eligibility & Requirements

Education, Experience and Skills Requirements