JOB SUMMARY

•    Responsible for managing and mitigating fraud risks across lending portfolios in WRB business.
•    Identify, assess, and prevent fraud exposures through proactive strategies, effective controls, and close collaboration with business and functional stakeholders in country & Group level.
•    Other tasks being assigned from FRM Head & country WRB COO.

RESPONSIBILITIES
Strategy
•    Develop and implement fraud risk strategies to protect the WRB lending business from existing and emerging fraud threats.
•    Contribute to the bank’s overall fraud risk framework by providing insight on fraud trends, typologies, and countermeasures.

Business
•    Partner with business teams to embed fraud risk considerations into product design, client journeys, and lending initiatives.
•    Ensure fraud risk controls support business growth while maintain a strong risk-reward balance.
Processes
•    Define, review, and enhance fraud prevention and detection process across the lending lifecycle (application, disbursement, repayment).
•    Leverage analytics, data insights, and technology tools to identify fraud patterns and strengthen controls.

People & Talent 
•    Shar subject matter expertise with colleagues and stakeholders to uplift fraud awareness and capability.
•    Contribute to building a culture of vigilance and proactive fraud risk management within the business.

Risk Management
•    Perform end-to-end fraud investigations, including evidence collection, analysis, and case documentation.
•    Identify systemic control gaps and recommend corrective actions to reduce recurrence.
•    Ensure effective client remediation measures in confirmed fraud cases.
•    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 countries comply with Group Policies and Standards.
•    Ensure proper and updated documentation in place for in-country policies and procedures.

Governance 
•    Ensure adherence to the bank’s fraud risk management framework, policies and governance standards.
•    Provide accurate and timely reporting of fraud cases, trends, and metrics to senior management. 
•    Provide oversight across CPBB Risk Operations team, ensuring compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements.
•    Embed the Group’s values and code of conduct in Retail Risk Operations to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture.

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

Key Stakeholders
•    Internal stakeholders
•    CCH, Country WRB Risk Heads
•    Regional / Country Business Heads and Product Head, Retail Client segment
•    In country governance forums (or other forums, as may be applicable)
•    Financial Crime Risk
•    Country Collections and Policy team
•    Relevant members of Risk Operations management team
•    Internal IT partners supporting WRB Clients business
•    HR & L &TD team
•    Operations, L&C and Customer Experience Management unit
•    External stakeholders
•    Auditors and Regulators.
•    Associations (Visa, MasterCard, Amex and other Regional / Local forums), Credit Bureaus and peer Banks.
•    Law Enforcement agencies.
•    Suppliers, vendors and consultants.

Other Responsibilities
Embed Here for good and Group’s brand and values in [NA]; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats)

Qualifications

•    Market Knowledge: – Awareness and understanding of the wider business, economic and market environment in which Standard Chartered Bank operates.

•    Business Strategy and Model: – Awareness and understanding of Standard Chartered's Retail Clients business and that of peers in the industry.

•    Risk Management and Control: – The ability to identify, assess, monitor, control and mitigate risks to Standard Chartered Bank 

•    Governance, Oversight and Controls: – Strong management skills, with the ability to deliver effective controls within Fraud Risk Management through both directly-managed and virtual team

•    Regulatory Framework and Requirements: – Awareness and understanding of the regulatory framework in which the firm operates, and the regulatory requirements and expectations relevant to the role of Country Head, Fraud Risk Management.

•    Non-technical skills: - Strong written / oral communication and influencing skills.  Ability to create effective work relationships within and across functions & borders.

•    Experiences: More than 03 years in Fraud Risk & AML related roles.

•    Education Certificate: Degree graduation, CAMS/CAFS/CFE is a plus.

Role Specific Technical Competencies
•    Microsoft Offices (Word, PowerPoint, Excel)
•    Data Analytics
•    Presentation Skills
•    English Communications
•    Fraud Rules/Model Development Skills
•    Fraud Risk Management

About Standard Chartered

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

What we offer

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.