Job Description
As part of our Middle Office department, your main missions are:
* Team management: creating a motivating, productive, and safe environment by:
o Fostering a positive work atmosphere where employees feel motivated, valued, and connected to the team and the organization.
o Promoting collaboration, trust, and cohesion among team members.
o Ensuring the vision and objectives are clear, and everyone understands how to contribute to the team's success.
o Addressing any potential conflicts among team members and facilitating resolution in a fair and constructive manner.
o Supporting employee growth through training, mentorship, coaching, and advancement opportunities.
o Ensuring new hires are properly introduced to the team, the organization, its culture, policies, and their specific roles.
o Ensuring fair compensation and promotions.
* Performance Management: setting performance expectations, providing feedback, conducting performance reviews, and addressing any performance issues.
* Succession Planning: identifying and developing key talent to ensure continuity and readiness for other key positions within the team or the organization.
* Talent Development and Retention: contributing to the creation of motivating career paths and skills development programs, and providing creative solutions to retain talent.
* Managing all main HR processes and guiding your colleagues in dealing with them (hiring, termination, transfers, warnings).
Operations management:
You will be in charge of:
* Contribution to the definition, development, and implementation of the global Anti-Fraud and FinCrime Strategies of the Bank.
* Proactive engagement with first-line product and services stakeholders to advise on the design of systems, controls, and risks pertaining to financial crime.
* Escalation and provision of feedback to identified risks and issues to senior management and C-level.
* Cooperation with C-level management in defining Group standards to manage financial crime risks and ensuring that they are applied across the Bank / validation that systems and controls adequately address financial crime-related risks.
* Provision of input to the design and execution of financial crime solutions, control monitoring, and testing programs.
* Coordination of the implementation of technical measures (e.g., implementation of corresponding additional scenarios in the monitoring) and process-related measures, where appropriate, with third-party service providers.
* Provision of input to training materials for employees and definition in collaboration with the Marketing Team of all customer anti-fraud communication & materials.
* Tracking of related regulatory changes and ensuring compliance with them.
* Monitoring, identification, analysis, and anticipation of general trends, root causes, the outcome of alerts, investigations, and MROS reports, as well as, more generally, problematic behaviors within SQB's clientele with a view to strengthening, on an ongoing basis, SQB's monitoring capabilities in the field of ML, TF, and frauds (especially frauds committed by SQB's clients to the detriment of third parties).
* Corresponding recommendations to the Compliance Department regarding the implementation of technical, process-related, or commercial measures.
Your operational objectives are to contribute to the different Anti-Fraud Pillars of Swissquote:
* Fraud Scoring
o Use machine learning algorithms to detect anomalies and identify high-risk customers in real-time.
o Enhance fraud prevention through dynamic risk profiling, ensuring legitimate users experience minimal friction while suspicious activities are flagged.
* Back-End Platforms & Internal Tools
o Maintenance or deployment of AI-driven fraud detection tools like NetGuardians or others external solutions to monitor transactions and detect fraud patterns.
o Strengthening internal fraud monitoring systems by integrating cross-channel alerts and risk signals.
o Automation of fraud detection workflows to enhance the efficiency of fraud analysts and investigation teams.
* Front-End Client Platform & Customer Experience
o Facilitation of customer risk appetite features to allow users to customize security preferences.
o Enhancement and strengthening of in-app security measures, including geolocation tracking for fraud detection, device fingerprinting to prevent unauthorized access, behavioral biometrics to detect suspicious user activity, and onboarding ID document validation (fake ID prevention).
o Contribution to the Chargeback and Dispute in-app integration Project.
o Strengthening two-factor authentication (2FA) and biometric verification to secure digital interactions.
* Card Transaction Monitoring
o Enablement of dynamic rule adjustments based on spending patterns, location, and merchant types.
o Integration of adaptive authentication mechanisms to challenge high-risk transactions while maintaining seamless customer experience.
* Payment Transaction Monitoring
o Deployment of real-time payment screening across multiple payment channels (SEPA, SWIFT, instant payments, crypto transactions).
o Implementation of AI-driven anomaly detection models to identify fraudulent transfers.
o Enhancement of fraud detection by incorporating network analytics, linking related fraud cases across different accounts.
* Threat Intelligence Leveraging OpenCTI
o Collaboration to develop Thread Intelligence with IT Info Security Team to use OpenCTI to analyze, correlate, and validate cyber threats related to fraudulent activities.
o Continuous monitoring of the Group's brand and key employees for abuse, phishing, and other attack techniques, ensuring systematic monitoring and takedown actions.
o Integration of threat intelligence insights with fraud detection models to proactively identify and mitigate emerging fraud schemes.
Qualifications:
* Minimum of 10 years' track record in Fin Crime and Fraud Prevention in Banking Sector or Fin Tech / Financial Services companies, with proven experience in system development, integration, and Security solutions.
* Previous experience in a leadership role for at least 5 years.
* Proficiency in working with both relational and non-relational databases, with the ability to write and execute complex queries (e.g., ES|QL, SQL).
* Proven experience in reporting and data analytics, with strong skills in data visualization, querying, and interpreting complex datasets to motivate business decisions. Good understanding and knowledge of AI technology, machine learning model is a plus.
* Excellent communication skills, both oral and written, with the ability to effectively interact with various stakeholders, experts, and third parties, including vendor management.
* Strong managerial skills, including the ability to lead, motivate, and develop teams to achieve strategic objectives effectively.
* Excellent interpersonal skills, results-oriented, adept at planning and organization.
* Excellent communication and presentation skills, with the ability to influence and inspire cross-functional teams.