(Chief) Expert in Fraud Risk Management Department

At DSK Bank, we constantly strive to provide the best experience to our customers by offering them innovative digital solutions and excellent service in our offices. All this would not be possible without a strong team, so our most valuable asset remains the people who work at DSK Bank. We will continue to seek and develop their talent and expertise, because this is the team that distinguishes us. We are looking for talents, that will become part of this great team as a:

(Chief) Expert in Fraud Risk Management Department

The position is part of DSK Group second line of defense (2LoD). It is within the Non-financial Risk Management Directorate and belongs to the Risk Function of Risk Management Division HO, Sofia, DSK Bank, under the responsibility of the Chief Risk Officer. The scope of responsibility of the unit is Credit Fraud Risk Management in both Retail and Non-Retail segments

What makes us different:

• Super interesting new projects
• IT Academy
• Use of the latest platform for mobile banking
• Agile environment
• Flexible working time & home office option
• Unique banking service package – special loan interest for employees on housing and consumer loans

Our principles are:

• I work with a focus on the client.
• I have an ownership mindset.
• I am agile – I achieve quick results with small teams.
• I communicate the truth in an open and transparent way.

Your tasks in the team:

• Analyze datasets from SQL tables to detect trends, issues and or deficiencies in rules or processes, causing credit fraud.
• Proactively propose, align and follow-through measures to prevent and control credit fraud risk.
• Monitor and analyze the efficiency of different Fraud rules, both automatized and manually.
• Perform monthly fraud reviews on focused samples of loans.
• Support the fraud investigation process – operationally in the internal Lending systems and methodologically.
• Liaise with other departments and teams in the bank with regards to credit fraud risk prevention and analysis.
• Contribute to the creation and maintenance of methodologies for fraud investigation, fraud prevention, fraud reporting
• Contribute to the reporting towards committees, forums, internal and external auditors, regulators, OTP headquarter.
• Contribute to the creation of internal documentation, such as procedures, instructions, guidelines
• Maintain and administrate the different registers which are responsibility of the Fraud risk management team

You are the ideal candidate if you have:

• At least a 2-year experience in the field of fraud risk management.
• Banking background in an underwriting/granting is a strong advantage.
• Analytical skills including ability to query/gather, analyze, leverage database information using SQL.
• Experience with process optimizations and improvements is preferrable.
• Experience in understanding business processes is preferable.
• Critical and combinatorial thinking.
• Understanding of credit risk and fraud environment.
• Capabilities of a pro-active, result oriented and communicative team member willing to work in a dynamic and challenging environment.
• University Degree.
• Strong command of English.

What we offer:

• Positive and dynamic environment focused on results and customer satisfaction
• Vouchers for food on the amount of BGN 200 per month
• Additional health insurance
• Very favorable conditions for housing and mortgage lending
• Multi-sport card at a preferential price

If you are challenged by this opportunity, please send your detailed CV in English with a recent photo. Only short-listed candidates will be contacted. All applications will be treated in strict confidentiality.