Key Responsibilities
- Plan and establish procedures and guidelines for credit card authorization and fraud detection, according to the Bank and regulatory guidelines.
- Responsible for credit card authorization and fraud detection, review and exercise the credit approval authority delegated by the Bank to approve credit card temporary line increase that in accordance to the Banks risk appetize.
- Monitor credit card authorization to align with market intelligence, market best practice and regulations, so as to deliver the Banks expected asset quality, including minimize card and loan application fraud loss with mitigation measures.
- Drive to deliver Card and application fraud detection framework, provide feedback and recommendation to department heads.
- Ensure to handle e-banking fraud alert without delay and comply with the Banks procedure.
- Represent risk functions to co-ordinate internal and external parties for upholding regulatory compliance in all aspects, such as HKMA, HKAB, law enforcement bodies, industry practitioners and card schemes.
- Represent credit risk functions in all Card and Unsecured lending new product program review and make recommendation to department head for approval.
Requirements
- Degree or above in Business, Finance, Risk Management, Economics or relevant disciplines.
- Minimum 10 years of experience in Credit Card Authorization and Fraud risks
- Able to conduct credit card transaction fraud controls and initiate mechanism independently
- Proven in-depth compliance knowledge of various aspects, particularly for those related to the Credit Card and related products regime.
- Solid industry connections, particularly in credit card field.
- Strong experience in analyzing transaction behavior and using MIS reports.
- Good command of both spoken and written English and Chinese (including Putonghua).
For more details about career opportunities with the Bank, please visit our website http://www.cncbinternational.com/careers/en/index.jsp. Please apply with full resume stating current and expected salaries.
Personal data collected will be used for recruitment related purposes only. Applicants not invited for interview within 6 weeks may consider their applications unsuccessful. However, applicants may be considered for other suitable positions within the Group for a period of not more than 2 years. Personal data will be destroyed at any time after 3 months.
China CITIC Bank International is committed to being an equal opportunities employer and intends to provide a work environment free of unlawful discrimination or harassment. All employment decisions will be made in a non-discriminatory manner.