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AFS Fraud Analysis & Detection Assistant Manager

In a nutshell

Working with the AFS Fraud Systems & Analytics team to ensure Argos Financial Services (AFS) are maximising data capability to optimise the effectiveness of the AFS Fraud Strategy and Policy. You will also support in the reduction of fraud risk through effective management and monitoring of models and systems in place.

Location

Manchester & Home. Including regular travel to other sites, mainly in Widnes and Edinburgh.

What you need to do

• Support the AFS Fraud Systems & Analytics Manager in aspects of system governance and supplier liaison for Argos Financial Services fraud systems
• On-going review, validation and optimisation of fraud system performance
• Drive internal systems optimisation or work with AFS outsource suppliers to identify, monitor and resolve fraud systems performance issues, gaps and tuning opportunities within agreed SLAs
• Design, implement and validate new rules/settings in response to specific/emerging threats following all mandated change controls
• Maintaining a central audit trail of all fraud related system rules and referral settings, and changes to those settings, together with the underlying rationale.
• Evaluate, analyse and leverage a range of statistical and written information in order to recommend, review and implement decisions that will have a positive impact on the P&L
• Baseline current decisioning performance, track and report on model effectiveness
• Ensure our Conduct Risk Framework is embedded within our fraud strategies
• Working with the Senior Risk Management team, you’ll support the deployment of their framework for our partners and suppliers, ensuring governance is measured in line with process, policy and risk appetite.
• Support the oversight and feedback on the quality of decisions within 1st line business areas
• Lead the analysis of the latest trends in fraud at an industry level
• Lead bespoke ad hoc extraction and analysis of fraud-related data in support of specific investigations or emerging threats, and subsequent participation in any relevant meetings or steering groups.
• Conduct threat assessments and provide latest trends in Financial Crime at an industry level
• Build a network of specialist contacts within the fraud analytics space, to help ensure awareness of emerging threats & best practice.

What you need to know

• Educated to degree level or in possession of an equivalent professional qualification (e.g.: Banking exams, insurance exams, accountancy exams) or equivalent experience
• Relevant specialist Financial Crime qualifications, such as ICA Diploma in FC/AML are desirable
• Experience of using FC/Fraud systems and platforms in an analytics or intelligence role, along with predictive modelling experience. With the experience obtained in environments such as 1st or 2nd Line Financial Crime or Risk; Specialist FC/Risk consulting firm or decisioning system supplier; FCA, NCA or law enforcement.
• Advanced level understanding of SQL or SAS, data analysis and predictive rule design.
• Understanding of Financial Crime law and best practice in Fraud are desirable attributes.
• Effective relationship management and interpersonal skills with both good written and verbal communication skills. You should be able to nuance a message to reflect your recipients and circumstances.
• Ability to take initiative
• Excellent attention to detail
• Strong team player
• Good planning and organisational skills, with an ability to maintain SME skillset in a changing and complex landscape
• Strong numerical, analytical, evaluation and problem-solving skills
• Retail Banking experience preferred but not essential

Our benefits

In addition to the all- important competitive salary, pension & bonus offering, we totally get that life outside work is important to us all. So, we want to shout out some of our other great benefits…

• We offer flexible working to help you achieve a good work/life balance
• Opportunity to buy extra holidays is on the table
• Discounts on your weekly shop, buying a laptop or sofa? We’ve got it covered through your Sainsburys, Argos and Habitat store discount card
• Cycle to work scheme and great coffee and cake!
  

A little about us & our culture

We’re proud of our heritage as the UK’s first supermarket bank. As digital technology drives the banking landscape we want to be at the cutting edge of this technology, offering award winning innovative digital banking products to our customers. Technology is where we see our growth therefore, we need innovators to join us and drive the next phase of our evolution.

We’re a friendly bunch who collectively share a passion to make our customers’ financial lives easier. As part of the wider Sainsbury’s Group, being one of the UK’s most trusted brands, it brings our colleagues a wealth of opportunities to fulfil their potential. Here, you can be part of something bigger and help to create a new approach that puts the customer at the heart of everything we do.

Everyone is welcome at the Sainsbury’s Group, and we’re proud to be an equal opportunities employer that champions a diverse and inclusive culture that reflects the diversity of the communities we serve.

Work-life balance is important to us, so we offer our colleagues as much flexibility as possible in line with the needs of their role. We trust them to decide how, where and when they work, combining remote and collaborative working with a flexible approach to hours within their working days, giving plenty of time and space for life outside of work whilst delivering against our business goals.

If you’re interested in applying and are excited about working with us but are unsure if you have the right skills and experience – we’d still love to hear from you! We’d also be happy to discuss more flexible working options such as job shares and part time working.

As this role involves working within a regulated environment any offer will be subject to satisfactory background checks including criminal record check, credit check, fraud check and employment references

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