Sme

Job ID: 33086

Location: Bukit Jalil KL, MY

Area of interest: Operations

Job type: Regular Employee

Work style: Office Working

Opening date: 30 Jun 2025

**Job Summary**
- Identification of linked money mules through Transaction analysis, Device & IP address reviews and Static data analysis. Placing blocks on accounts post analysis & timely escalations to FCC for further investigation.**Strategy**
- Support and provide inputs to FCC Management and implementing the tactical actions required to manage the risk arising out of money mules.
- Provide co-ordination and support of key processes across the country and ensure timely submission and collation of data analysis to the country supported.

**Business**

**Key Responsibilities**
- Device ID and IP address review - Act quickly and decisively when any risk and control weakness become apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees. These attributes should then be reviewed to determine linkages across other accounts/ relationships (or Electronic Banking ID - EBID) based on 1st layer webbing.
- Transaction analysis activity: Extract the transactional histories of the confirmed money mules for the past 2 days and assess the legitimacy of these credit/ debit transactional relationships. All SCB clients to whom the known mule has made credits or debits in the last 2 days should be extracted. This will act as Rel IDs linked to the known mule via transaction linkage analysis
- Proactively manage, investigate, and resolve on both incoming and out going domestic and international payments. In depth SME understanding of how international and domestic payment are processed and serviced
- Owing issues and linking similar cases together. Maintain adequate knowledge of internal systems/processes and a sound understanding of the payments across markets
- Being familiar with investigation process for transaction monitoring/KYC/Screening/ Identification of fraud or other teams and occasionally assisting the team in service delivery
- Continuously improve the operational efficiency and effectiveness of Mule Playbook implementation.
- Strengthen the review activities by recommending process/policy changes where applicable
- Engage appropriate stakeholders to ensure timely remedial actions and escalation of situations that pose significant risk.
- Ensure adherence to the Group’s approach to the management of fraud risks, providing training/leadership where necessary to close gaps in understanding or adherence.

**Skills and Experience**
- Lead through example and build the appropriate culture and values.

**Risk Management**
- Ensure all FRM policies and procedures in the country comply with Group Policies and Standards
- Ensure linked money mules are detected in a timely manner on an end-to-end basis
- Monitor and review transactions to identify suspicious or fraudulent activities such as Money Mules. Conduct financial crime risk management investigations including cards, electronic fraud transactions, identifying and screening anomalies as they relate to Money mule activities
- Proactive in seeking regular assurance that areas of responsibility are performing to an acceptable risk and control standards
- Balance business performance delivery with risk and control matters to ensure that it does not materially threaten the Group, while remaining within risk appetite.
- Recommend changes to the process control environment or to business practices, where necessary, to reduce the level of fraud risk exposure to within the agree appetite.

**Key stakeholders**
- Country FRM, Group Strategy, Contact center etc.

**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 Retail (CPBB) 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 Investigation skills, with the ability to deliver effective controls within Fraud Risk Management
- 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
- Non-technical skills: - Strong written / oral communication, Risk Investigation and/or AML / CDD experience and Analytical skills. Ability to create effective work relationships within and across functions & borders.
- Education: Bachelor’s or Master’s degree/University degree with 6+ years of minimum experience
- Languages: English, Mandarin and Cantonese

**Role specific Technical competencies**
- Stakeholder Management
- People Management
- Fraud Risk Management
- Governance
- Regulatory & Business Conduct
- Financial Services