AVP- Application Fraud Controls (UAE Nationals Only)

Job description

Job Purpose

• Lead risk-based reviews of application fraud controls across Retail Credit origination, underwriting, and digital and non-digital channels to identify gaps and assess adherence to approved standards.

Key Result Areas

• Strengthen governance and oversight over application fraud controls through periodic reviews, control testing, issue escalation, and remediation management.
• Ensure application fraud controls comply with regulatory requirements, internal policies, industry standards, and audit expectations.
• Reduce application fraud exposure by identifying emerging fraud trends, strengthening controls, and improving fraud detection capabilities.
• Drive digital transformation of fraud-risk management processes through automation, analytics, and technology-enabled controls.
• Develop and maintain strong partnerships with business, credit, operations, technology, compliance, audit, and external stakeholders to strengthen fraud-risk management.
• Build a high-performing fraud-risk team through coaching, capability enhancement, succession planning, and knowledge sharing.

Knowledge, Skills & Experience

• Experience. 8–10 years of experience in application fraud controls or Retail audit.
• Technical knowledge. Knowledge of Retail Credit origination systems, fraud detection tools, related operating processes, fraud typologies, control testing, case referrals, MIS and applicable regulatory requirements.
• Analysis and tools. Strong analytical and reporting skills, including intermediate to advanced proficiency in Excel, Word and PowerPoint, to identify fraud patterns, assess control effectiveness and document findings.
• Communication and leadership. Strong stakeholder management, problem-solving and coaching skills; fluent written and spoken Business English, including clear correspondence and report writing.