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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><span style="text-decoration:underline"><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">The role will be responsible for</span></strong></span></p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Leading the group team on mule and scam detection processes, rules across multiple SCB markets</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Leading the development of additional solutions to enhance detection rates or for better targeting of payments to be investigated </span><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">to reduce customer friction.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Evaluating the tools/Techniques proposed (internally or by external Vendors) to improve fraud detection.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Design, implement, and maintain bank-wide standards, policies, and frameworks in alignment with regulatory and internal </span><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">governance requirements</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Support authentication and access control standards by leveraging basic knowledge of authentication methods (e.g., OTPs, MFA, </span><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">device-based authentication).</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ensure consistent adoption of standards across Retail, Private, and Business Banking functions.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Collaborate with business, operations, risk, and compliance teams to implement and review standardized and risk-aligned processes </span><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">applying a fraud risk management perspective.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Leading database enhancement projects and communicate the same to internal technology teams to further facilitate leveraging </span><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">existing data base to design rules, run simulations and detect anomalies.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Designing rules/ strategies for mule and scam prevention using descriptive data analytics to understand mule and scam behaviour </span><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">leveraging the data base and using R/SQL</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Fraud prevention strategies based on analysis to enhance fraud detection while keeping customer friction in check.</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">• Leading ongoing reviews of current rules/policies and developing optimization strategies.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• To analyse the data from various sources to ensure optimal strategy design.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Communicating and presenting the analysis on mules and scams to multiple stakeholders in the organization including Audit, </span><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">country teams and Group senior management</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Working with multiple cross functional teams to ensure error free and smooth implementation of designed fraud strategy.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Effectively communicating plans/strategies to cross-functional team members and management.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ensuring proper documentation and following the policies and procedures while making strategy updates</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ensuring solutions meet business needs and requirements.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Prioritizing initiatives based on business needs and requirements.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Serving as a liaison between stakeholders and users.</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 provide Guidance to team members on analytical issues.</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><span style="text-decoration:underline"><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Strategy</span></strong></span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Following the requirements, build new strategies in conjunction with the stakeholders to deliver first class fraud risk </span><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">management framework</span></p> <p><br><span style="text-decoration:underline"><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Business</span></strong></span><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 WRB Customers segment.</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="text-decoration:underline"><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Processes</span></strong></span></p> <p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Develop and maintain fraud management capabilities, skills and infrastructure in the country that are following both internal </span><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">policies and external regulations and are responsive to fraud attacks.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Act quickly and decisively when any risk and control weakness becomes apparent and ensure they are addressed within an </span><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">appropriate timeframe and escalated through the relevant committees</span></p> <p> </p> <p><span style="text-decoration:underline"><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">People & Talent</span></strong></span></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, </span><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">behaviours, and accountability.</span></p> <p> </p> <p><span style="text-decoration:underline"><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Risk Management</span></strong></span></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 </span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"> Standards; and those issues are identified, escalated, and addressed as appropriate.</span></p> <p> </p> <p><span style="text-decoration:underline"><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Governance</span></strong></span><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, </span><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">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 </span><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">governance process established within the Bank.</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="text-decoration:underline"><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Regulatory & Business Conduct</span></strong></span><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</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt"> Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines </span><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">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 </span><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">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> <p><br><span style="text-decoration:underline"><strong><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">Key stakeholders</span></strong></span><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, CCIB 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></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">• Technical Skills – Business Analysis</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>Qualifications</b></H2> </div><div><p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• A Bachelor’s Degree in Data Science or Computer Science</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• A minimum of 10 years of experience in Fraud and Money Mules.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Knowledge and experience of analytics tools and techniques</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Exceptional analytical and conceptual thinking skills.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• The ability to influence stakeholders and work closely with them to determine acceptable solutions.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Experience creating detailed reports</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Expertise in SAS/R/Python/SQL (Any one of them at least)</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• A track record of following through on commitments.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Excellent planning, organizational, and time management skills.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Good understanding of the payment’s ecosystem including various payment types</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ability to gather actionable insights from large volumes of data.</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">• Strong understanding of banking operations and processes across Retail, Private, and Business Banking.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Basic knowledge of authentication mechanisms and their application in banking systems.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Ability to think from a risk and control perspective while designing or reviewing standards.</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Excellent documentation 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>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>

Senior FRAML Analyst (Bangalore, IN)