BANAMEX Fraud Risk Strategy Analyst

The Fraud Risk Senior Analyst is a seasoned professional role. Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and work-flow for the area or function. Integrates subject matter and industry expertise within a defined area. Requires in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the function and overall business. Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information. Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources. Strong communication and diplomacy skills are required. Regularly assumes informal/formal leadership role within teams. Involved in coaching and training of new recruits Significant impact in terms of project size, geography, etc. by influencing decisions through advice, counsel and/or facilitating services to others in area of specialization. Work and performance of all teams in the area are directly affected by the performance of the individual.

Responsibilities:

• Guards against intelligent, adaptive perpetrators of financial crime and manage strategic risk analytical projects for Citi Retail Services portfolios, including 3D Secure and Digital Wallets space.
• Develops and implements effective Fraud detection and prevention strategies to mitigate fraud losses while ensuring an appropriate balance between risk and customer experience.
• Proactively identifies fraud detection issues at the strategy and portfolio level and provide analytical/modeling solutions.
• Leverages customer data to build risk segmentation and mitigation strategies.
• Evaluates new tools and products that enhance risk detection and prevention.
• Act as primary interface with internal and external partners to evaluate new tools to build detection and analytical capabilities.
• Applies subject matter expertise to the prioritization and planning of projects in conjunction with fraud management policies and strategies.
• Interacts with Policy, Operations, and other functional business partners to optimize business strategies.
• Ensures adherence to strict audit and control requirements; participate in audit related activities and assist Citi Retails Services Fraud Analytics Team Lead with completion of the audit and compliance related activities.
• Performs other duties and functions as assigned
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Qualifications:

• 5-8 years previous Credit Cards related experience required
• Previous experience in statistical analysis with working knowledge of at least one of the following statistical software packages: SAS/SQL (preferred), SPSS, or equivalent4+ years of analytical and data mining experience preferably

Education:

• Bachelor’s/University degree or equivalent experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Responsabilidades Principales

• Diseñar, desarrollar e implementar reglas de prevención de fraude para canales digitales (Web y Mobile).
• Analizar grandes volúmenes de datos para identificar patrones, tendencias y nuevas tipologías de fraude.
• Desarrollar consultas, análisis y estrategias utilizando SAS, SQL y bases de datos corporativas.
• Configurar, administrar y optimizar estrategias de detección en herramientas como:
  • IBM Trusteer
  • BioCatch (deseable)
  • TMX / ThreatMetrix
  • IQE
• Identificar eventos asociados a:
  • Ingeniería social
  • Malware bancario
  • Remote Access Trojan (RAT)
  • Account Takeover (ATO)
  • Device Spoofing
  • Phishing y Vishing
• Monitorear el desempeño de reglas y modelos mediante indicadores de fraude y falsos positivos.
• Realizar análisis de causa raíz sobre eventos de fraude consumado y fraude evitado.
• Generar propuestas de mejora basadas en inteligencia de fraude y comportamiento transaccional.
• Participar en iniciativas de mejora continua para fortalecer la seguridad sin afectar la experiencia del cliente.
• Colaborar con equipos de Riesgo, Operaciones, Tecnología, Ciberseguridad y Canales Digitales.

Perfil Requerido

Experiencia

• 3 a 5 años de experiencia en:
  • Prevención de fraude
  • Banca electrónica
  • Riesgo transaccional
  • Estrategias de detección y monitoreo de fraude
• Experiencia en:
  • Construcción de reglas de detección
  • Análisis e interpretación de grandes volúmenes de datos
  • Implementación y optimización de herramientas de prevención de fraude
• Deseable experiencia en:
  • Instituciones financieras
  • Fintechs
  • Medios de pago

Formación Académica

Licenciatura en:

• Actuaría
• Matemáticas
• Ingeniería en Sistemas
• Ciencia de Datos
• Informática
• Ingeniería Industrial
• Economía
• Estadística o carreras afines

Conocimientos Técnicos

Indispensables

• SAS Enterprise Guide avanzado
• SQL avanzado
• Manipulación y análisis de bases de datos
• Prevención de fraude en canales digitales
• Análisis de datos masivos (Data Lake)
• Construcción de reglas y modelos de detección
• Indicadores de riesgo y fraude

Deseables

• Python
• Power BI o herramientas de visualización
• BioCatch
• TMX / ThreatMetrix

Competencias Clave

• Pensamiento analítico
• Capacidad de investigación
• Solución de problemas complejos
• Toma de decisiones basada en datos
• Orientación a resultados
• Innovación y mejora continua
• Trabajo colaborativo con equipos multidisciplinarios

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Job Family Group:

Risk Management

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Job Family:

Fraud Risk

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Controls Lifecycle, Credible Challenge, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

 

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