Head of Digital Fraud Strategy

The Head of Digital Fraud Strategy creates and executes a comprehensive framework to address the risk of fraud, cybercrime threats, and digital vulnerabilities. This role ensures the organization's resilience in an evolving digital banking landscape by proactively mitigating risks and embedding risk intelligence into business decisions.

Responsibilities

• Formulate and execute advanced strategies for the identification, assessment, and mitigation of digital fraud risks.
• Spearhead organization-wide digital fraud risk initiatives to ensure stringent alignment with the bank's overarching digital transformation objectives.
• Provide strategic counsel to the executive leadership regarding digital fraud risk, evolving regulatory landscapes, and requisite mitigation strategies.
• Design, implement, and maintain sophisticated mechanisms for fraud detection and prevention pertinent to Amar Bank Digital, Amar Bank Business, Embedded Banking & Finance (EBF) and Tunaiku product offerings.
• Leverage advanced data analytics and machine learning methodologies to proactively predict and identify emerging digital fraud threats.
• Orchestrate the organization's comprehensive response to digital fraud incidents, encompassing timely containment, anti fraud investigation, and definitive resolution measures.
• Engage in rigorous collaboration with Technology, Product, and Business Unit teams to assure the security and risk-based integrity of all digital banking platforms.
• Systematically integrate robust risk management principles into the digital product development lifecycle via a mandatory secure-by-design approach.
• Conduct continuous analysis of digital fraud trends and technological advancements to anticipate future fraud modalities and develop highly effective preemptive strategies.
• Establish and meticulously maintain a robust governance framework dedicated to digital fraud prevention.
• Guarantee the comprehensive implementation of regulatory compliance policies and procedures within all fraud detection and mitigation systems.
• Collaborate formally with regulatory bodies and internal compliance teams to ensure strict adherence to prevailing industry standards and digital security policies.

Requirements

• 8+ years experience in digital fraud/anti-fraud role.
• 4+ years experience managing B2C digital bank or e-wallet or digital loan application (BNPL/Cash Loan).
• Ownership mindset, Drive to Learn, Grit & Resilience.
• Proven ability to engage and influence C-level stakeholders across product, technology, and business functions.
• Operate with a high degree of autonomy - translating goals into actionable strategy, setting governance standards, and driving execution without close oversight.
• Mastery of data analytics, anti fraud strategy, anti fraud rules & policy and governance.
• Proven experience setting up or operating within robust anti fraud governance frameworks.
• Fluent in English, both written and verbal.

Bonus Points

• Proven experience managing B2C digital banks/e-wallet/loan products in international or multi-market environments.
• Experience managing fraud analyst, fraud investigator as well as overall anti-fraud team directly.
• Strong understanding of the financial services system and compliance responsibilities at product level.
• Familiar with Fraud Detection System as well as Data & Monitoring platforms (Looker), & JIRA.
• Deep understanding of digital loan, digital banking, SME Banking, Embedded Banking.
• Strong grasp of Indonesia's financial ecosystem and regulatory landscape, including dealings with OJK, Bank Indonesia, and industry associations.
• Strong understanding of Indonesian market & customer behavior.