Regional Lead Fraud Risk Strategy Cards

Requisition Number: 36696

Job Location: Kuala Lumpur, MYS

Work Type: Office Working

Employment Type: Permanent

Posting Start Date: 19/11/2025

Posting End Date:

:

Job Summary

This role could be based in India and Malaysia. When you start the application process you will be presented with a drop down menu showing all countries, Please ensure that you select a country where the role is based.

Strategy

• Minimise fraud losses by recommending rules to detect real time fraud and also on pro-active basis.
• Provide co-ordination and support in rollout and execution of processes.
• Manage the processes and activities with current capacity.
• Ensure that policies and processes are followed
• Reduce Fraud Losses by way of Timely placement of system parameters.
• To manage the relationship between country and other team members within Fraud Operations.
• To provide Guidance to team members on operational issues.
• Develop and manage a fully-fledged information system to identify fraud trends and initiate early identification and mitigation of fraud risks
• Provide system and information support to all regions across WRB

Business

Responsibilities related to the delivery of business and / or financial objectives, for example, Awareness and understanding of the wider business, economic and market environment in which the Group operates

• Stay abreast with industry existing/emerging fraud risks
• Identify and share industry best practices and work with the businesses for their feasibility and implementation
• Evaluate latest practices/tools to identify next generation fraud detection system
• Ensure all FRM policies and procedures in the countries comply with Group Policies and Standards. Ensure proper and updated documentation in place for in-country policies and procedures.

Processes

Reference the processes for which the Role Holder is responsible, as per the Operational Risk Framework definition of first / second line, for example, Responsible for executing and supervising the Budget process.

• Support standardisation, automation and consolidation through re-engineering and process improvement initiatives in the Group.
• Actively Involve in automation initiatives.
• Develop and maintain fraud management capabilities, skills and infrastructure that are in compliance with internal policies and external regulations.
• 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 risk forums and committees
• Strong collaboration and concerted efforts with key stakeholders/partners (e.g. WRB Risk, Products, Operations, Operational Risk, CFCR, Technology)
• sharing information on fraud trends and identifying emerging fraud threats
• leveraging on common tools, information, and processes
• Regular review with stakeholders across Group and Countries.
• Sharing of significant fraud MO, root causes and best practices are included in the Global standards.
• Support and provide feedback/guidance on issues faced within the region through performance review with Country/ Regional FRM teams.
• Ensure Lessons Learned shared with SCB countries on timely manner.
• Support implementation of the Group Operational Risk Framework in Risk Operations and monitor the operational risk metrics to identify potential control weaknesses.

Key Responsibilities

People & Talent

• Ensure adequate training (On the Job, soft skill, etc.) is provided to all staff members
• Ensure that the team members only use systems and access information for which they have authorization and only use the systems and information in ways and for purposes for which they have been authorized.
• Support identification, engagement and retention of high quality FRM professionals.
• Ensure that holders of all critical roles are suitably skilled and qualified for their roles ensuring that they have effective supervision in place to mitigate any risks

Risk Management

• Identify and Monitor fraud threats, vulnerabilities, and risks.
• Drive and influence enhancement for fraud risk management internal controls.
• Collaborate with adjunct Risk and Policy Owners in Information & Cyber Security, Credit Risk, Conduct, Anti-Money Laundering and Anti-Bribery & Corruption to deliver collective outcomes.
• Advise 1LOD, 2LOD and 3LOD stakeholders on fraud risk management.
• Drive and influence corrective actions on the back of fraud trigger events.
• Analyses complex reports as revealed by the data and provides fraud risk management insights to decision makers.
• Develop and implement fraud risk management strategies in response to those insights

Governance

• Embed the Group's values and code of conduct in Retail Risk Operations to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees' form part of the culture

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group's Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Lead the Card Fraud Risk Strategy team] to achieve the outcomes set out in the Bank's Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.] *
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• [Insert local regulator e.g. PRA/FCA prescribed responsibilities and Rationale for allocation].

[Where relevant - Additionally, for subsidiaries or relevant non -subsidiaries]

• Serve as a Director of the Board of [insert name of entities]
• Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association (or equivalent)

Key stakeholders

• Internal stakeholders

o WRB Group/Regional/Country COO

o WRB Group/Regional/Country Product

o WRB Group/Regional/Country Business

o Group/ Country Credit Risk

o Head – Fraud Surveillance

o Relevant members of Risk Operations management team

o IT partners supporting Retail Clients business

o HR team

• External stakeholders

o Auditors

o Associations (Visa, MasterCard, and other Regional / Local forums) and peer Banks

o Suppliers, vendors and consultants

o Applicable Regulators and Monetary Authority

Other Responsibilities

Embed Here for good and Group's brand and values in Card Fraud Risk Strategy; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats); [Governance, Oversight and Controls: Strong leadership capabilities and management skills, with the ability to deliver effective controls within FRSC through both directly managed and virtual team; Work closely with Senior Leadership and external vendors on projects, incident reporting, and technology implementations; Demonstrated project management experience with extreme attention to detail, report accuracy, data integrity, and team focus.]

Skills and Experience

Functional knowledge about Risk operations

Card Risk tools usage and functionality

Analytic tool usage like SAS, R etc

Functional knowledge of Card Products and Authorisation life cycle

Qualifications

CFE, SAS, SQL certifications preferred

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.