AVP- Application Fraud Controls (UAE Nationals Only)

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.

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.

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. 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.