Role Objective (Role Purpose)
Implement and oversee
external fraud risk management
strategies and deliverables for
Corporate & Investment Banking (CIB)
across the region (LatAm and Mexico), supporting regional/local fraud teams and the front line, and ensuring a consistent and effective fraud management framework across the client lifecycle and transactional product set (including product lines available to corporate customers).
Key Responsibilities
Strategy and best practice
Support the development and implementation of fraud risk strategies (including
Corporate Cards Fraud
and
Payment Fraud
) and best practice, working with stakeholders across the business and product lines (frontline, CIB Fraud
1LOD & 2LOD
, among others).
Governance and reporting
Manage and provide oversight of the regional CIB Fraud governance framework.
Ensure
timely and accurate
reporting to local, regional and general committees and/or external stakeholders.
Use
MI
and issues reporting to address and/or risk accept identified residual risk levels.
Threat identification and risk assessment
Lead/support the identification and assessment of fraud threats across the
full client lifecycle
and across different transactional products and services, enabling suitable and sustainable risk management activities.
Control environment and metrics
Provide input into the risk control environment (taxonomies, indicators, controls, metrics) in conjunction with the
Chief Control Office (CCO)
.
Provide feedback on calibration and prioritisation of trigger event typologies through active engagement with analytics teams and/or external vendors, as appropriate.
Procedures, compliance and regulatory change




Support implementation of the
Fraud Line of Business Procedures (LoBPs)
.
Manage controls around non-compliance, and support regional and local
BIMs/DIMs
for each relevant risk area.
Implement and oversee regulatory changes related to transactional fraud across the region.
In-business supervision and investigations
Conduct in-business supervision, including engagement with
FCI
, to ensure appropriate action is taken in respect of investigations and that effective feedback loops are in place for thematic findings.
Communication and compliance culture
Support the development of a robust communications strategy to raise awareness of fraud risks/policies and reinforce a strong compliance culture across CIB.
Help produce and deliver client fraud awareness content to support CIB clients in understanding and managing fraud risk.
Monitoring, alerts, losses and incidents
Review and challenge fraud alerts, fraud losses, attempted fraud, near misses and market trends specific to digital channels.
Ensure monitoring covers customer impact and friction, operational capabilities (including
SLA
adherence) and transactional fraud control effectiveness.
Drive rapid triage and escalation of material events, including coordination of incident response when required.




Strategic priorities and continuous improvement
Define strategic priorities such as loss reduction and prevention, customer experience optimisation, and detection uplift (rules, models, analytics).
Collaborate with internal and external partners to propose and prioritise rule changes, model enhancements and control improvements; review effectiveness using measurable performance indicators.
Regional collaboration and model risk
Collaborate with and support regional fraud risk teams as required.
Be responsible for
model risk management
for fraud systems and applications across the region.
Position Requirements (Qualifications)
Proven, progressive and broad-based banking experience in corporate banking, payments/cards and/or fraud management (or equivalent).
Working knowledge of current digital and card fraud mitigation tools and trends (advantageous).
Strong banking experience with
strong analytical skills
(essential).
Thorough knowledge of banking systems and controls.
Knowledge and awareness of current fraud trends/red flags, including prevention and investigation.
Strong risk management skills and ability to identify risk.
Excellent interpersonal skills.
Strong communication, organisational, analytical, managerial, decision-making and customer service skills.
Sound knowledge of products, services, policies and regulations impacting the area of responsibility.
Detail-oriented, with strong self-motivation and an innovative mindset.
Collaborative team player, able to work with stakeholders across the bank, locally and globally.
University degree (BA or BS).
5–10 years' experience.
Advanced English.

📌 Fraud Risk Specialist - Transactional (Xico)
🏢 Hsbc
📍 Xico