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Director - Merchant Risk & Monitoring
2 months ago
In this role, you have the opportunity to
The role gives an opportunity of leading a team and developing key strategies which in turn provides significant leadership experience.
It gives an opportunity to work with and implement latest technological solutions for fraud prevention and detection and plays a key role in shaping organization's overall risk management. Overall, this role is dynamic and offers numerous opportunities not only for growth and skill enhancement it also makes a significant impact on the organization and its customers.
Responsibilities will include
Functional Expertise
- Strengthening Onboarding Process
- To revise overall onboarding policies for QR/Swipe.
- To introduce additional controls in the overall policy
- To oversee implementation of the frameworks, Models, SoP's and exceptions.
- Document retention and review mechanisms.
- Benchmarking and creating SoP for customer profile verification (CPV)
- Strengthening the ongoing Monitoring of Merchants
- To institutionalize a process of risk segmentation basis KYC and other information received through the onboarding process.
- To create a Rating scorecard basis merchant onboarding/CPV.
- To deploy a comprehensive Merchant behavior score.
- To deploy Swipe specific monitoring process.
- To create rules to address fraud events and design alerts /triggers deriving information from various sources such as IVR, CPV, Agency visits, document requests etc.
- To develop TPV / behavior-based alerts.
- To institutionalize and oversee the process of investigating and red flags / disputes etc.
- To manage the overall TMS process.
- To deploy robust rules for PAPG, Investments, QR & Swipe
- To manage the AFPR review
- To review, deploy and manage the overall unblocking SoP.
- To review the ongoing TMS blocking rules.
- To review RTD, M-Block & Alerts.
- CMO tagging /Other rules monitoring by the regulators.
Regulatory Interaction:
- To be the first point of contact with NPCI and the partner bank risk team
- To analyse and revert on information's/ issues asked/highlighted by the Bank.
Problem Solving:
- To continuously benchmark and evolve the overall process of Merchant fraud risk and exposure monitoring and bridge in the gaps wherever Work closely with different functional SPoCs such as fraud operations, Merchant experience, Product and tech teams, compliance, data science, internal risk teams and institutionalize/continually improve the overall exposure monitoring process.
- Work in consultation with CRO in implementing a rigorous merchant fraud and exposure monitoring framework within the organization.
- Also work closely with other entities such as Unity Bank, NPCI in terms of addressing the key issues / incidents/Information that may be asked for or occur due to some process gaps and create a governance and framework around controlling the same.
To succeed in the role
Impact
- Prevention of Loss by implementing effective fraud preventions measures.
- Balancing security measures with consumer convenience shall also impact better consumer experience.
- Improved controls within the organization and enhanced compliance with legal, regulatory, and other reporting requirements.
Challenges & Decisions
- Working in tandem with latest technologies and extensively benchmarking and learning about the ways to deploy relevant and strong controls and stay ahead/vigilant of any fraudulent attacks.
- Keep up with the continuously evolving regulatory landscape and maintain compliance in all relevant aspects.
- Ensure Fraud detection systems scale effectively along with the complexities of the changing business and operation needs.
Qualification & Experience (type & industry)
- Graduate/ Post-Graduate - 12 + years of experience
- Preferably: 2-3 years of startup experience
- Have experience of working with Fintech/Bank specifically leading such or similar roles in process / enterprise risk management domain.
Skills & know-how
- Core understanding of the overall business and thorough knowledge on processes and probable failure areas.
- Proficiency in using and understanding fraud detection systems, including machine learning algorithms and Data analytics platforms.
- Strong analytical skill to interpret complex modelling.
- Solid problem-solving capabilities which shall enable to break them down, identify root causes, run associated analysis, and recommend solutions that are effective.
- Strong stakeholder management to be able build relationships across teams and work in tandem to effectively drive closures on actions initiated.
- In-depth understanding of relevant regulations and compliance requirements.
- Capability to think through and assess the gaps in existing modelling / frameworks/ scorecards/ segmentation and build a better and stronger process.
- Extremely good knowledge on PPT for preparing and presenting reports and dashboards for governance calls and meetings.
Behaviors
- Strong execution capabilities and rigor - you are not afraid to get your hands dirty, are detail oriented and stay on top of things to ensure you deliver consistently.
- Clarity of thoughts and excellent communication skills
- "Say yes to Challenges" - Own up responsibilities and take new challenges.
- Team leadership & cross -functional collaborations
- Positive Mindset- Lead with examples and motivate people around you to contribute towards building the right work culture within the organisation
- Strong emotional intelligence- Have increased ability to understand and relate to people and communicating in way that you are able to decode their emotions and form a strong collaboration.
