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Financial Crime - Fraud Response Analyst

Employer
Handelsbanken Plc
Location
Manchester, United Kingdom
Salary
Competitive
Closing date
Mar 10, 2024

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Job Function
Accounting/Audit/Tax
Industry Sector
Finance - General
Employment Type
Full Time
Education
Bachelors
Job Introduction

The Financial Crime Fraud Response Analyst sits within Fraud and Anti-Bribery & Corruption and reports directly to the Financial Crime Card or Non-Card Fraud Team Leader depending on role

The role is to work within a team of fraud specialists who respond to, and investigate fraud incidents affecting our customers and drive the Bank's fraud prevention strategy.

The role holder may be allocated work covering either card fraud or non-card fraud. Although broadly similar in scope, these two areas do have certain elements that are unique to them and as such some of the Key Activities listed below may only apply to that area of work.

Key actions include incident investigation, time critical funds recovery, undertaking measures to protect customers, collation of evidence and the provision of threat specific advice to both internal stakeholders (branches, colleagues) and external agencies (law enforcement, financial institutions). Monitoring and reviewing certain payments that are at an increased risk of fraud. In addition to responding to individual customer fraud incidents the team is also responsible for supporting the introduction and review of processes and procedures across the Bank, taking a balanced view of fraud threats against the Bank's commitment to provide great service to customers.

The team work closely with other departments across Financial Crime and Head Office Functions by providing first line advice and guidance from a financial crime perspective to both internal (branches, colleagues) and external (law enforcement agencies, financial institutions) stakeholders ensuring the Bank complies with all applicable laws and regulations.

Main Responsibilities
  • Undertake all immediate responses in order to secure funds at risk and/or minimise further losses and when appropriate facilitate repatriation of funds to customers and protect bank related products (cards, accounts etc.)
  • Undertake complex and detailed investigation into the root cause of fraud cases.
  • Make clear decisions, with strong supporting rationale, on complex fraud cases ensuring a fair outcome to customers based on current legislation, regulation and benchmarking with the bank and wider financial industry.
  • Occasionally provide assistance to branch colleagues, by undertaking intervention meetings with customers in order to minimise risk and loss to their accounts during suspected high value fraud cases.
  • Review of certain outgoing payments to ensure that risk to customers remains low.
  • Support the development and review of fraud prevention instructions, controls and processes.
Ideal Candidate

Research (by Harvard University) shows that women are particularly likely to second guess themselves and not apply - so if you are worried you don't meet all the criteria, get in touch anyhow and let us do the worrying...
  • Work as part of the team to ensure the day to day activities are adequately prioritised to suit shifting demands.
  • Work independently and manage cases that require extremely high levels of discretion.
  • Work to tight deadlines and often under pressure whilst maintaining a high level of quality and competency.
  • Carry out ad-hoc requests to assist with fraud and other financial crime related investigations etc. where required.
  • Have flexibility to work shifts/various start times in order to provide coverage outside of core hours.
  • A good working knowledge of plastic card chargeback and disputes rights.
  • Excellent communication and decision making skills with the ability to demonstrate sound judgement based on a clearly stated rationale to reflect the right business outcome.
  • Strong analytical and problem solving skills and attention to detail, presenting information in a clear and concise manner.
Qualifications
  • Strong understanding of the fraud threat landscape, the UK's anti-fraud framework, banking products and the UK regulatory environment.
  • Relevant professional qualification preferred (e.g. ICA Certificate in Fraud Prevention, ACAMs, and APCIP etc.)
Company Information

Handelsbanken is a relationship bank with a decentralised way of working, a strong local presence thanks to a nationwide network of branches, and a long-term approach to customer relations. Each Handelsbanken branch operates as a local business enabling it to make decisions at a local level and provide a bespoke service. The focus is always on the need of the individual customer and not on the sale of specific products.

The Bank is deeply committed to embedding good equality and diversity practice into all of our activities. This is so that we are an inclusive, welcoming and inspiring place to work that encourages everyone to apply, regardless of socio-economic background, age, disability, pregnancy and/or parental status, race (including colour, nationality, and ethnic or national origin), veteran status, marital and civil partnership status, religion or belief, sex, gender reassignment or sexual orientation.

Check our Handelsbanken website for further information

At Handelsbanken, we deeply value our unique culture and values including trust in and respect for each individual. We take pride in nurturing a work environment where people flourish, and where they are empowered to take decisions in their areas of expertise. We take a long term perspective in everything we do and want each employee who joins us to build a long terms successful career with the Bank.

What is in it for you?
  • We have a wide range of learning and development available, empowering and enabling our colleagues to take ownership of their own development.
  • Competitive Salary and an extensive range of benefits is provided, including private medical insurance, income protection and life assurance
  • A market-leading pension contribution of 15% paid by the bank, which can be invested in a wide range of funds (including ESG and Shariah funds)
Application next steps

Your journey with us begins once you have submitted your application. One of our Handelsbanken recruiters will be reviewing your details and will later organise a phone conversation if you match the role requirements. If there is a mutual fit, we will extend an invitation for you to participate in an interview.

There will be a one stage interview process.

How can we support you to be your best self? Our Talent Acquisition team will be happy to provide support e.g. if you need additional time to prepare for an interview or you have any requirements for any part of the interview/hiring process - just let us know by email uk_talent@careers.handelsbanken.co.uk .

This advert will be live for a minimum of two weeks. However, please note that after the two weeks, the closing date could change at any time depending on the number of responses received.

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