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Fraud Team Leader - Nordic role

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The Fraud Team Leader has a critical role in helping Santander Consumer Bank to fulfill its legal and regulatory obligations when it comes to Fraud activities. The Team Leader provides leadership and strategic directions to how the team manages its Fraud investigation and and cooperates with external parties such as FSA, law enforcement, regulators, Police and other Banks. The position is key to streamlining and creating efficiencies for Fraud strategy, Fraud prevention, and Fraud Investigations in the Bank.

Areas of responsibility

The role will have a strategic, analytical, and people management focus and the Fraud Team Leader will independently take the initiative and drive process improvements for investigations and increase cross-border collaboration in the workforce and ensure that the Fraud Analysts and Fraud Prevention Specialist have the right and updated competencies for their roles to reduce fraud across all products.

You will manage the Fraud team located across the Nordic geographies and have the responsibility for executing the designed strategy. You will provide leadership and a Nordic strategic mindset in how the team can use data analysis to better prevent financial crime by better understanding customer behavior and habits and secure robust controls of data. The team will drive the analysis to better understand our customers – their behaviors and habits.

The tasks will include, but not be limited to the following:

  • Apply to the Fraud Center of Excellence strategy, methodologies, frameworks, and procedures for Santander to prevent Fraud risks

  • Secure that strategic setup maximizes the efficiencies and synergies across the products and cross-country teams

  • Deliver Fraud forecast

  • Drive Fraud improvement

  • Ensure that input from the Fraud Analysts and Fraud Prevention Specialists are analyzed and used to adjust or introduce new rules for preventing fraud

  • Provide in-depth fraud losses analysis to identify trends and reasons behind the results, and suggest potential improvement

  • Deliver forecast for Fraud losses and be involved in the Fraud Budget work

  • Drive the strategy and execution of improvement and innovation initiatives within Fraud

  • Ensure the establishment and execution of common policies and procedures for the processing of FSA/authority's requests
  • Ensure common routines for Investigation work with Fraud are in place across countries and followed by the local teams
  • Define and enforce a common way of working on payment defaults
  • Support the team in internal Fraud investigations

  • Actively collaborate with RISK, Collections, and Commercial to reduce the fraud risk within the Bank and keep our losses as low as possible.

  • Actively provide fraud awareness training to the whole Bank

  • Create robust training for the organization that is continuously updated

  • Coordinate continuous assessment of existing frameworks and procedures, methodologies

  • Deliver on fraud report requirements related to Basel II and to HQ (ORI Reporting –OP Risk Indicators)

  • Supporting and assisting in bank-level risk assessments/investigations

  • Keep track of changes in regulation, law, guidelines, and other regulatory updates, assess their impact on one Bank’s processes, policies, and frameworks, and drive implementation of required, adjustments and changes

  • Build a strong Fraud team and encourage people to keep track of the latest news and developments in the Fraud area, including regulations, and actively seek other training opportunities to increase their expertise within the area

  • Ensure that the Fraud team is not product-focused and there is sufficient coverage and expertise across all geographies

Skills & Requirements

  • Strong integrity/ethics – to ensure all processes are compliant and follow International and local Banking Regulations and guidelines
  • True role model for Santander’s value platform
  • Strategic thinker and proactively identifying opportunities
  • Risk awareness when it comes to Financial Crime
  • Organized, collaborative, structured, result oriented, and curious
  • Highly independent, innovative, and proactive in taking the initiative
  • Passionate about preventing Fraud and upholding Santander’s reputation as a responsible bank
  • Thrives in a dynamic and changing environment
  • Possess a high social IQ and ability to easily connect and build trust among colleagues across all levels
  • Excels in taking the lead and building a strong team
  • Ability to manage multiple stakeholders and difficult relationships
  • Calm under pressure
  • Willingness to travel

Skills

  • In-depth knowledge of Fraud and other banking regulations and how they are interpreted across the Nordics
  • Excellent communication and presentation skills as the role will require work with local authorities & Financial Investigation Unit/Police
  • Expert knowledge in the consumer banking business and current Fraud trends
  • Has a strategic mindset
  • High quantitative and analytical competence
  • Expert knowledge in the consumer banking business and current market trends
  • Ability to manage multiple high-priority issues/deliverables at the same time
  • Strong people and time management skills
  • Proven leadership skills
  • Ability to work across functions and organizational boundaries
  • Fluent (written/spoken) in English and one of the Nordic languages

Experience

  • 7 - 10 years working experience in Financial Crime area
  • +3 years working experience in a managerial position within banking industry
  • Established and proven experience in Fraud Investigation processes and requirements
  • Proven experience working in the Nordic countries
  • Solid understanding and working experience with banking regulations

Education

  • Bachelor’s Degree in economics, Law, or another related field. Relevant experience can compensate for missing degree
  • Holding certification in Financial Crime Prevention is considered an advantage

We offer

  • A corporate culture that is professional and dynamic, yet informal
  • An excellent and rapidly growing team with highly competent, dedicated, and friendly co-workers
  • A competitive salary and compensation package
  • Traveling will be required

We are conducting ongoing interviews and the job ad will be closed when the right candidates are selected.

For more information about the position, contact the hiring Head of Function – Rikke Lisbeth Hartvich

Great Place to Work

  • We invest in you

  • Innovative and looking to the future

  • BeHealthy | Your health is important to us

  • Social events for all employees

  • Engaged colleagues

  • Dynamic work environment

  • Employee benefits and discounts

  • Competitive insurance and pension plans

  • We give back to society

  • Gode pensions- og forsikringsforhold

  • Vi investerer i din udvikling

  • Vi giver tilbage til samfundet

  • Medarbejderfordele og rabatter

  • Dedikeret kollegaer

  • Globale muligheder

  • Sociale arrangementer for alle medarbejdere

  • Innovativ og fremadtænkende virksomhed

  • Gode forsikrings- og pensjonsordninger

  • Engasjerte kolleger

  • Sosiale arrangement for alle ansatte

  • BeHealthy | Din helse er viktig for oss

  • Innovativt og fremtidsrettet selskap

  • Vi investerer i deg

  • Vi gir tilbake til samfunnet

  • Personalgoder og rabatter

  • Dynamisk arbeidsmiljø

  • Sociala evenemang för alla anställda

  • Dynamisk arbetsmiljö

  • Vi ger tillbaka till samhället

  • Konkurrenskraftiga pensioner & försäkringar

  • Innovation, förbättring och utveckling

  • Globala möjligheter

  • Friskvård - din hälsa är viktig för oss

  • Engagerade kollegor

  • Personalförmåner via Benify

About the company

We are a Nordic bank with more than 1,200 colleagues in Sweden, Norway, Denmark and Finland, and proud to be part of Banco Santander, one of the largest banks in the world with a solid history going back more than 160 years.

Our purpose is to help people and businesses prosper and we aim to be the best retail and commercial bank, earning the lasting loyalty of our people, customers, shareholders and communities - through simple, personal and fair banking.

In our organization we foster and value an engaged, challenging and passionate environment that provides opportunities for personal and professional growth. We operate in an ever changing environment, and believe the key to success is innovative involvement, a playful approach to active learning and continuous improvement in our daily work.

We are firmly committed to being a responsible bank in the way we operate, our culture, caring for our environment and giving back to society. Banco Santander is recognized as the most sustainable bank in the world following the publication of the Dow Jones Sustainability Index (DJSI) for 2019.

Read more about responsible banking on our global webpages.

Santander Consumer Bank is one of the largest Nordic banks providing loans and credits, credit cards, deposits and insurance to private customers.

To learn more about Santander in the Nordics, please visit our local webpages

https://www.santanderconsumer.no/
https://www.santanderconsumer.se/om-oss/
https://santanderconsumer.dk/om-os/
https://www.santanderconsumer.fi/

TWorld’s Most Sustainable Bank 2019 (Dow Jones Sustainability Index 2019)

TA Nordic Bank with global strength

TPart of Banco Santander – one of the world’s largest financial institutions

TBanco Santander’s history goes back more than 160 years

TOver 1200 employees across the Nordics

TWe serve over 1.6 million customers

TStrategic partnerships with over 10 000 car dealers, merchants and brokers

TInnovation is key to our future success

TEn Nordisk bank med global styrke

TEn del af Banco Santander – en af verdens største finansielle institutioner

TBanco Santanders historie går mere end 160 år tilbage

TVerdens mest bæredygtige bank 2019 (Dow Jones Sustainability Index 2019)

T1.200 ansatte på tværs af Norden

TOver 1.6 mio kunder

TStrategiske partnerskaber med mere end 10.000 bilforhandlere, indkøbere og brokere

TInnovation er nøglen til vores fremtidige succes

TVi leverer digitale kundeoplevelser

THistorien vår går tilbake til 1963 i Norge

TOver 600 000 kunder og 3500 partnere i Norge

T50/50 fordeling menn og kvinner

TOver 600 000 kunder og 3500 partnere i Norge

TStørst på billån i Norge

TFremtidsrettede | Først ute i Norge med ApplePay

TVi er dedikert til å være en ansvarlig långiver!

TInnovative | Vår siste nyvinning SHFT – en abonnementsløsning for bil

TEn nordisk bank med global styrka

TDel av Banco Santander - en av världens största finansiella institutioner

TBanco Santanders historia går tillbaka mer än 160 år

TVärldens mest hållbara bank 2019 (Dow Jones Sustainability Index 2019)

T1200 anställda i Norden

TVi servar över 1,6 miljoner kunder

TInnovation är nyckeln till vår framgång

TVi levererar digitala kundupplevelser i framkant

Rikke Lisbeth Hartvich | Contact Person

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Santander Consumer Bank Nordics

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