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<div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>Job Summary</b></H2> </div><div><p><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">The role will be responsible for</span></strong><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Minimise Fraud losses by analysis of fraud trends, MIS, reviews,reporting and compliance</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Head Office Reporting and Stakeholder reporting for GBS supported countries</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Minimise fraud losses by recommending rules to detect real time fraud and also on pro-active basis.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Provide co-ordination and support in rollout and execution of processes.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Manage the processes and activities with current capacity.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ensure that policies and processes are followed </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Reduce Fraud Losses by way of Timely placement of system parameters.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ensure daily reports are produced without any delay </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• To manage the relationship between country and other team members within FRSC.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• To ensure error free work.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• To provide Guidance to team members on operational issues.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Develop and manage a full fledged information system to identify fraud trends and initiate early identification and mitigation of fraud risks</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Provide system and information support to all regions</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Strengthen the transaction processing activities of the countries by recommending process/ policy changes where applicable and through regular training of front end staff</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"></H2> </div><div><p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Provide forecast based on monthly MIS to assist in the prediction and accurate allocation of staffing to enhance report monitoring</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Regular and proactive fraud detection system parameter review/ management</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Review Daily MIS maintenance</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Maintenance and archival of all department documents.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• To actively participate in BCP / DR. </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• To ensure exceptions arising out of KCSA / CST checks are immediately rectified and preventive action put in place to prevent recurrence.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ensure adequate training (On the Job, soft skill, etc.) is provided to all staff members</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• 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.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Participate in all meetings/discussions including monthly SRM calls organised by Country Stakeholders and provide necessary guidance/support</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>Key Responsibilities</b></H2> </div><div><p><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Strategy</span></strong><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Minimise Fraud losses by analysis of fraud trends, MIS, reviews,reporting and compliance Manage fraud risk, assisting businesses with implementing the 'best in class' tools & processes to minimize fraud losses while maintaining and adhering to customer charter goals and objectives. </span></p> <p><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Business</span></strong><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ensure the Fraud Risk Management framework is effectively embedded and communicated across Retail Customers segment.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"> Identify industry best fraud risk infrastructure and management practices are tabled and are considered for adoption within the country</span></p> <p><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Processes</span></strong><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Lead and drive standardisation, automation and consolidation through re-engineering and process improvement initiatives for the country for Fraud Risk Management.<br>• Develop and maintain fraud management capabilities, skills and infrastructure in the country that are in compliance with both internal policies and external regulations and are responsive to fraud attacks.<br>• Act quickly and decisively when any risk and control weakness becomes apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees<br>• Identify and track Key Performance Indicators (KPIs) to support strategy testing environment and daily operations.<br>• Continuously improve the operational efficiency and effectiveness of fraud risk management processes.<br>• Ensure effective recovery tracking process in place in the country </span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"></H2> </div><div><p><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">People & Talent </span></strong></p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"> Encourage and promote an active training and learning environment to facilitate excellence in risk management, risk awareness, behaviours and accountability.</span></p> <p><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Risk Management</span></strong></p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Deliver the defined aspects of the Fraud Risk role to support the Group's Fraud risk management approach and objectives.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ensure that the Fraud risk role is managed in accordance with the defined Fraud Risk Framework and associated Policy and Standards; and those issues are identified, escalated, and addressed as appropriate.</span></p> <p><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Governance </span></strong><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Establish strong ties into the relevant business lines governance, risk and control committees to ensure adequate monitoring, tracking and governance of Fraud risk.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Drive integration of Fraud Risk Framework and associated Policy and Standards into business lines and utilise for the ongoing governance process established within the Bank.</span></p> <p><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Regulatory & Business Conduct </span></strong><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Display exemplary conduct and live by the Group’s Values and Code of Conduct. </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across the Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Lead the Fraud risk 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]. </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"></H2> </div><div><p><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Key stakeholders</span></strong><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Business, Governance and Risk </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Group/ Country Fraud and Risk Operations</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• CCO Retail Clients, RCOs, CCH, CCROs, SOROs</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Partnership Business, Risk, Compliance, FCC stakeholders</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Digital Channels Delivery </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Product Owners and Product Managers for various channels </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Fraud FRSC</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Regional / Country Business Heads and Product Head, CPBB Client segment</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Financial Crime Compliance and Shared Investigations Services</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Relevant members of Risk Operations management team</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Internal and External Auditors and Regulators</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Suppliers, Vendors and Consultants</span></p> <p> </p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>Skills and Experience</b></H2> </div><div><p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Proven experience (3-5+ years) in a fraud risk management in Digital Banking, Fraud investigation, in the Fraud risk field.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Bachelor’s Degree in Engineering, Finance & Accounting, Law, Business Management, or other related discipline. </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Good understanding of Retail and Business Banking processes & products, risks, threats and internal controls.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Good understanding of the payments ecosystem including various payment types </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Good understanding of the application and network security </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Being able to analyse data in great detail and being able to provide deep insights </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Deep knowledge of fraud risks from both consumer and wholesale banking </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Good understanding of various fraud products and their capabilities </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Combination of hard and soft skills is required for this role</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Stakeholder management at various levels within the Bank</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Good understanding of various controls available and how these controls provide a layered defence </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Good presentation skills to be able to present, teach and train at various levels within the Bank</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Strong leadership, negotiation and collaboration skills, and ability to work effectively in a complex multicultural and multi-time zone organization. </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ability to collect and analyse data, establish facts, and make recommendations in written and oral form.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ability to liaise with all parts of the Bank, including risk and business stakeholders.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Excellent oral, written and communication skills.</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>Role Specific Technical Competencies</b></H2> </div><div><p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Technical Skills - Development</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Technical Skills - Delivery</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Technical Skills - Security</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Technical Skills – Data Analytics </span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>About Standard Chartered</b></H2> </div><div><p>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.</p> <p>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.</p> <p>Together we:</p> <ul> <li><b>Do the right thing</b> and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do</li> <li><b>Never settle,</b> continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well</li> <li><b>Are better together,</b> we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term</li> </ul></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>What we offer</b></H2> </div><div><p><b>In line with our Fair Pay Charter,</b> we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.</p> <ul> <li><b>Core bank funding for retirement savings, medical and life insurance,</b> with flexible and voluntary benefits available in some locations.</li> <li><b>Time-off</b> 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.</li> <li><b>Flexible working</b> options based around home and office locations, with flexible working patterns.</li> <li><b>Proactive wellbeing support</b> 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</li> <li><b>A continuous learning culture</b> to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.</li> <li><b>Being part of an inclusive and values driven organisation,</b> one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.</li> </ul></div></div></div>

Fraud Technical Analyst (Bangalore, IN)