Fraud Data Analyst

Fraud Data Analyst (Currently Resident in Malta or Hold an EU Passport)

We are seeking an Experienced Analyst, with a Technical Background, to shape all aspects of Fraud Strategy. Responsible for building Fraud Prevention Data for our Credit Card Portfolio. Developing an Infrastructure of Data, Reporting & Analytics, to underpin Fraud Optimisation & Support Product Growth.

Responsibilities:

Take ownership of Fraud at both Customer Acquisition and Customer Management Stages. Including cut-off setting, initial-line-assignment, affordability, authorisation & line management (increase/ decrease) programs.

Accountable for leading ad hoc and regular analytics on key risk indicators; tracking variance to plan and informing above noted strategy setting.

Develop an improved management information suite, covering risk appetite. With a dynamic capability to review live tests and interrogate trends.

Manage the credit risk messaging across the bank; opportunity to discuss on-going performance and propose value add strategies to bank committee(s).

Work closely with various Bank teams, including Finance, Operations and Decision Science areas.

Generate enhanced documentation outlining Credit Risk Processes, including consideration of (Changing) Regulatory Standard.

Input into Collections & Recoveries, and Fraud Strategies.

Facilitate growth plans by delivering effective & timely fraud solutions, with consideration of continuous improvement and customer experience.

Skills & Experience:

1+ years’ experience within an analytical role (Credit & Financial Services is preferred but not required).

Bachelor’s or Master’s degree in a quantitative/ numerical discipline.

Problem solving and analytical (useful: SAS/ SQL/ Python or similar).

Data visualization and dashboarding (useful: Tableau/ Power BI)

Exceptional communication and organisation skills.

Ability to manage time and prioritise work while handling multiple tasks simultaneously

Pro-active outlook and desire to innovate.

Experience with credit cards or other retail lending products (e.g. loans, current accounts or mortgages) is preferred.

Desirable:

Fluent (written and spoken) in English and German.

Previous experience in chargeback management, fraud analysis or a related field is considered an asset.

Familiar with the financial services industry, specifically in areas related to credit card processing, banking, or eCommerce.

An understanding of payment processing systems, chargeback regulations, and fraud prevention tools.

Understand the regulatory framework surrounding chargebacks and dispute resolution.

Excellent Salary & Benefits & Bonus