Proactive
Have a clear understanding of the overall virtual lending business and process automation strategy of the bank including mobile and digital landscapes, and be able to integrate that strategy into fraud mitigation plans and processes.
Implement policies, procedures and strategic programs to mitigate risk and losses on the digital platforms.
Analyze fraud prevention/detection processes and prepare recommendations to improve performance and mitigation strategies, in line with the digital channels.
The Risk Officer will analyze and review digital, online and mobile transactions in order to identify patterns and trends.
Monitor customer demographics to identify fraud high risk segments
Perform quality reviews of cyber security and security essentials self assessments
Network with others across the industry and collect industry data to set benchmarks and to measure success of various actions taken to prevent fraud, and to monitor changes in fraud trends.
Collaborating with development teams, project managers, security teams, and other stakeholders to incorporate security requirements into digital channels interfacing with customers and external stakeholders.
Identification, triage, and remediation of cyber security and fraud vulnerabilities working in close partnership with the First line, vendors, development and system administration team
Work with other members of the wider Risk and Fraud departments, to include but not limited to; assisting in the continued development of members of the team engaged in supporting fraud mitigation, supporting the Forensics team in doing thematic investigations involving fraud, and supporting all other analytical requests from the business.
Reviewing digital channel attack surfaces, both internal and external, and identify weaknesses and help reduce the risk exposure caused by said weaknesses
Assist with incident response and handling alongside computer forensics investigation
Predictive
Working with the first line develop forward looking triggers through models and metrics used to mitigate likelihood of loss materialising to ensure they are fit for purpose.
Explore and implement Network Analysis, Random Forest models and any other appropriate predictive model frameworks aimed at identifying and monitoring fraud activity (application and portfolio stage fraud attempts)
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