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