Fraud Data Analyst

Fraud Data Analyst (Currently Resident in Malta or Hold an EU Passport)

We are seeking an Experienced Analyst, with a Technical Background, to shape all aspects of Fraud Strategy. Responsible for building Fraud Prevention Data for our Credit Card Portfolio. Developing an Infrastructure of Data, Reporting & Analytics, to underpin Fraud Optimisation & Support Product Growth.

Responsibilities:

- Take ownership of Fraud at both Customer Acquisition and Customer Management Stages. Including cut-off setting, initial-line-assignment, affordability, authorisation & line management (increase/ decrease) programs.

- Accountable for leading ad hoc and regular analytics on key risk indicators; tracking variance to plan and informing above noted strategy setting.

- Develop an improved management information suite, covering risk appetite. With a dynamic capability to review live tests and interrogate trends.

- Manage the credit risk messaging across the bank; opportunity to discuss on-going performance and propose value add strategies to bank committee(s).

- Work closely with various Bank teams, including Finance, Operations and Decision Science areas.

- Generate enhanced documentation outlining Credit Risk Processes, including consideration of (Changing) Regulatory Standard.

- Input into Collections & Recoveries, and Fraud Strategies.

- Facilitate growth plans by delivering effective & timely fraud solutions, with consideration of continuous improvement and customer experience.

Skills & Experience:

- 1+ years’ experience within an analytical role (Credit & Financial Services is preferred but not required).

- Bachelor’s or Master’s degree in a quantitative/ numerical discipline.

- Problem solving and analytical (useful: SAS/ SQL/ Python or similar).

- Data visualization and dashboarding (useful: Tableau/ Power BI)

- Exceptional communication and organisation skills.

- Ability to manage time and prioritise work while handling multiple tasks simultaneously

- Pro-active outlook and desire to innovate.

- Experience with credit cards or other retail lending products (e.g. loans, current accounts or mortgages) is preferred.

Desirable:

- Fluent (written and spoken) in English and German.

- Previous experience in chargeback management, fraud analysis or a related field is considered an asset.

- Familiar with the financial services industry, specifically in areas related to credit card processing, banking, or eCommerce.

- An understanding of payment processing systems, chargeback regulations, and fraud prevention tools.

- Understand the regulatory framework surrounding chargebacks and dispute resolution.

Excellent Salary & Benefits & Bonus