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risk analyst

DICETEK LLC

<div>Merchant Acquiring Risk Analyst is responsible for identifying, assessing, monitoring and mitigating risk associated with fraudulent activities across multiple payments channels. The role involves proactive monitoring of transactions, performing detailed investigations, enhancing fraud detection rules and supporting continuous improvements to strengthen the fraud prevention framework and protect the organization &amp; its customers.
1. Fraud Monitoring &amp; Analysis<ul><li>Monitor post transaction fraud alerts across payments channels</li><li>Analyze suspicious transactions and customer behaviour to detect potential fraud patterns</li><li>Conduct detailed investigations on reported fraudulent cases &amp; prepare incident reports</li><li>Utilize fraud monitoring tools such as Cybersource and Brighterion for alert handling &amp; rule management.</li></ul>
2. Experience in Payment Gateways<ul><li>Manage activities related to Ecommerce Fraud Acquiring via CyberSource, MPGS &amp; Brighterion platforms.</li><li>Support fraud rule tuning, configuration and system enhancement to optimize fraud detection and transaction acceptance rates.</li><li>Work with gateway vendors to test, validate and deploy new fraud management functionalities.</li></ul>
3. Risk Assessment &amp; Control<ul><li>Assess merchant &amp; customer risk profiles during onboarding &amp; ongoing reviews</li><li>Perform transaction-level risk analysis to identify anomalies or deviations from normal behaviour.</li><li>Support the development of risk scoring models and rules to enhance fraud detection accuracy</li><li>Recommend improvements in controls to minimize exposure to operational and fraud risks.</li><li>Evaluate chargeback trends and identify root causes to recommend preventive controls.</li></ul>
4. Reporting &amp; Documentation<ul><li>Prepare daily, weekly &amp; monthly fraud &amp; risk performance reports.</li><li>Maintain detailed documentation for all investigations, findings and actions taken</li><li>Share insights &amp; emerging fraud trends with management.</li></ul>
5. Policy, Compliance &amp; Coordination<ul><li>Ensure adherence to internal risk &amp; compliance policies as well as card scheme mandates</li><li>Ensure scheme compliance mandates are regularly reviewed to avoid any financial penalties.</li><li>Liaise with banks, payment processors, law enforcements and other stakeholders for fraud case resolution.</li><li>Assist in drafting SOPs and control documentation for fraud prevention processes.</li></ul>
6. Continuous Improvement &amp; Training<ul><li>Stay updated with the latest fraud trends, schemes and technologies in the payments ecosystem.</li><li>Support training initiatives for staff and merchants on fraud awareness and prevention</li></ul> 
Experiences
<ul><li>Minimum 2 years of experience in fraud prevention, risk analytics or transaction monitoring in Merchant Acquiring Business</li><li>Strong knowledge of merchant acquiring lifecycle &ndash; onboarding, transaction processing, settlement, dispute management, and reconciliation.</li></ul> 
Main Tasks<ul><li>Perform due diligence on new merchants (KYC, business model, financials)</li><li>Conduct risk profiling and assign risk ratings</li><li>Identify high risk categories
</li><li>Recommend mitigation controls before approval</li><li>Monitor merchant transactions for suspicious patterns or anomalies.</li><li>Recommend rule tuning and control enhancements</li><li>Analyze chargeback trends by merchant and MCC</li><li>Identify and mitigate repeated offenders</li><li>Liaise with Chargeback Unit and scheme partners for resolution</li><li>Ensure compliance with acquirer risk policy, AML/CFT and scheme rules</li><li>Maintain proper documentation for risk approvals and exceptions</li><li>Support internal and external audits by providing required data</li><li>Participate in policy and framework updates</li></ul></div>

Risk Analyst

ACIES

Highlight of the engagement opportunity:&sect; Role: Full time role&sect; Number of years of experience expected: 2 to 3 years&sect; Areas of experience preferred: IFRS 9/ Ind AS 109, PD / LGD/ EAD model development and validation, experience with ECL calculation, clarity on the IFRS 9 standard &amp; regulatory asks&sect; Educational qualification expected: UAECA, ACCA (UK), Qualified CA (India)&sect; Additional qualifications/ certifications required: None&sect; Preferable additional certifications: CFA, FRM, MBA, Actuarial&sect; Preferred geography of previous work experience: UAE, other countries in Middle East&sect; Application experience preferable: MS Excel, VBA, Python, R, SASKey responsibility areas:&sect; Independently lead and manage consulting engagements with leading banks, financial institutions, NBFCs, insurance companies and corporates covering areas such as IFRS 9 model development, ECL computation, enhancing the approach to ECL and provisions along with other credit risk areas&sect; Demonstrate knowledge to banking, NBFC, corporate and insurance companies on various loan product and their characteristics including wholesale loans, auto loans, personal loans, mortgage finance, education loans, etc.&sect; Demonstrate knowledge of concepts related to default and recovery rate modelling including roll rate analysis, periodic default rates, statistical methods including regression models, Markov chains, etc.&sect; Lead and drive day-to-day execution of client projects.&sect; Lead hiring and mentoring initiatives to expand and upskill execution and delivery team for engagements&sect; Design and monitor detailed project plans for assigned engagements&sect; Directly report and provide detailed updates to business unit leader for all assigned engagements on an on-going basis&sect; Lead and actively participate in designing proposals, RFP responses and pitches for business development pursuitsKey performance metrics:&sect; Adherence to project delivery timelines&sect; Adherence to the firm&rsquo;s standards for processes and quality&sect; Project profitability&sect; Client feedback&sect; Feedback from counselor and other team membersOther expectations:&sect; An &ldquo;ownership attitude&rdquo; whose passion for solving issues and creating value&sect; Strong analytical and logical skills&sect; Strong business writing and oral communication skills&sect; Collaborative and partnership-oriented and ready to work as a team member.&sect; Demonstrated ownership over deliverables and project engagement.&sect; Ability to handle highly challenging and time-bound projects with a positive mindset.Other important information:&sect; Work permit requirements: Either UAE Citizen or having valid work permit to work in UAE.&sect; Period of engagement: Full time role&sect; Probation period: 6 months&sect; Compensation: Compensation varies depending on the skill, fitment and role played by the person. Compensation discussions will take place post the selection process.&sect; Performance incentives: Typically, all roles at Acies have a performance incentive. Specific aspects will be discussed during the compensation discussion.&sect; Leave: National holidays, sick leaves, maternity and paternity, bereavement and studies vary based on the city and country of engagement.&sect; Other benefits: Other employment benefits including medical insurance will be informed during the compensation discussion.&sect; Career growth for full-time roles: Acies believes in a transparent and data-based performance evaluation system. You are encouraged to clarify any questions you have with respect to career growth with Acies personnel you interact with during the selection process.&sect; Career opportunities for part-time roles: Conversion of part-time roles to full-time roles depends on both performance of the individual and business needs. You are encouraged to ask about the prospects as you interact with Acies personnel during the selection process.&sect; Global mobility: Acies encourages mobility across our offices. Such mobility is, however, subject to business needs and regulations governing immigration and employment in various countries.Selection process:We seek to be transparent during the selection process. While the actual process may vary from the process indicated below, the key steps involved are as follows:&sect; Interview:&sect; There are expected to be at least two rounds of interviews with the Acies team.&sect; Following the above, there are expected to be at least two rounds of interviews with the respective client team.The number of interview rounds may vary depending on the criticality and seniority of the role.&sect; Final discussion on career and compensation: Post final selection, a separate discussion will be set up to discuss compensation and career growth. You are encouraged to seek any clarifications.Preparation required: It is recommended that you prepare the following aspects before the selection process:&sect; Understanding of products / exposures in the financial services industry (Banks / NBFC / Insurance)&sect; Demonstrate knowledge about credit risk modelling, PD, LGD, ECL, etc.&sect; Demonstrate experience of various methodologies used for modelling default rates, credit scores, recovery rates, etc.Job Types: Full-time, Permanent, Contract Contract length: 12 monthsPay: AED72,000.00 - AED96,000.00 per yearAbility to commute/relocate:<ul><li>Dubai: Reliably commute or planning to relocate before starting work (Required)</li></ul>Education:<ul><li>Bachelor's (Required)</li></ul>Experience:<ul><li>Banking or a banking client facing role based consulting: 2 years (Required)</li><li>Credit risk management &amp; modelling: 2 years (Required)</li></ul>Location:<ul><li>Dubai (Required)</li></ul>

Credit Risk Analyst

Citi

Underwriting Credit Analyst is responsible for owning the Credit Risk Analysis for Citi Corporate Clients and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio &amp; Industry Reviews.Key Responsibilities: Assess the credit and financial strength of Citi s Corporate Clients based in Sub-Saharan Middle East and North Africa by performing fundamental credit analysis of counterparties using both quantitative and qualitative factorsComplete Credit Analysis Write-up Memos and assign internal ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetiteContinuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Senior Underwriters, Risk and Banking partnersPartnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfoliosKnowledge/Experience:Demonstrable financial services experience, including 0-3 years of credit experience in Banking, Credit Risk Management or equivalent credit experience. We also encourage fresher to apply.Ability to understand Citi policies and procedures with the ability to execute change seamlessly.Intermediate analytical skills, including an understanding of key financial components like liquidity position, leverage profile with the ability to identify root causes and trends and anticipate horizon issuesSkills/Competencies:Assists colleagues in identifying stretch opportunities to elevate individual and team performanceInterpersonal skills, with the ability to build relationships and exert influence with and without direct authorityOrganizational skills with ability and willingness to work under pressure and manages time and priorities effectivelyWritten and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniorityMicrosoft Office (Word, Excel, and PowerPoint) skillsLanguage: English   Read, Write and SpeakQualifications:BA/BSc or higher degree in Business (MBA), or any other related subjectThis job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.------------------------------------------------------Job Family Group: Risk Management------------------------------------------------------Job Family:Credit Risk------------------------------------------------------Time Type:Full time------------------------------------------------------Most Relevant SkillsAnalytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.------------------------------------------------------Other Relevant SkillsFor complementary skills, please see above and/or contact the recruiter.------------------------------------------------------Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.View Citi s EEO Policy Statement and the Know Your Rights poster.

Underwriting Credit Analyst - Officer

United States Citigroup

Underwriting Credit Analyst is responsible for owning the Credit Risk Analysis for Citi Corporate Clients and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio &amp; Industry Reviews. Key Responsibilities: <ul> <li>Assess the credit and financial strength of Citi s Corporate Clients based in Sub-Saharan Middle East and North Africa by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors</li> <li>Complete Credit Analysis Write-up Memos and assign internal ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite</li> <li>Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Senior Underwriters, Risk and Banking partners</li> <li>Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios</li> </ul> Skills/Competencies: <ul> <li>Assists colleagues in identifying stretch opportunities to elevate individual and team performance</li> <li>Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority</li> <li>Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively</li> <li>Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority</li> <li>Microsoft Office (Word, Excel, and PowerPoint) skills</li> </ul> Language: English Read, Write and Speak

Emirates NBD

<div>
 
 
 Organization Unit Purpose
 
 
 
 Group Retail Risk is responsible for Retail Lending Credit Policies, Retail Credit Decisioning Framework &amp; Analytics, Collections &amp; Bureau Strategies and Retail Portfolio Monitoring and Risk Analytics (covering Personal Loans, Auto Loans, Credit Cards, Mortgages, Overdraft and Micro-SME).
 
 
 
 
 
 Job Purpose
 
 
 
 Part of the team of Analysts, Statisticians and Database Managers in devising, developing, and enhancing retail risk and portfolio MIS and analytical reports. Building Collections models using ML techniques, designing and implementing comprehensive actionable strategies.
 
 
 
 
 
 Job Content
 
 
 
 
 Preparing and handling the monthly provisions for the Emirates NBD Retail portfolio
 
 
 
 Calculating the monthly Retail provisions using data extracts and SAS codes.
 
 
 Reconciling the numbers across different systems and sources to ensure accuracy.
 
 
 Intuitive deep dive to identify any discrepancies.
 
 
 Liaising and managing any discrepancies with the Finance and IT teams.
 
 
 
 
 
 End-to end handling of Loss Forecasting exercise
 
 
 
 Liaising with product teams for volume budgets
 
 
 Finalizing the loss forecast after considering various policy related factors and incorporating current portfolio trends.
 
 
 Discussing the final numbers with senior management and getting the same approved
 
 
 Validating the loss forecast model and tracking the actual against the plans.
 
 
 
 
 
 Collections Models and Strategy
 
 
 
 Development of relevant segmentation and scoring models which will be aimed at (and not limited to) improving collections efficiency or increasing cash collection.
 
 
 Assisting in the implementation of these models on the collections floor and aligning the dunning strategies accordingly.
 
 
 Monitoring and tracking the performance of the implemented models and effectiveness of the strategies rolled out.
 
 
 Regular review and maintenance of the models with latest portfolio trends and alternate data points.
 
 
 
 
 
 Portfolio and Risk performance monitoring and analytics for Emirates NBD Retail portfolio
 
 
 
 Conduct detailed portfolio deep-dives to identify relevant patterns and concerning trends.
 
 
 Leverage on AECB data to enrich portfolio monitoring and analytics.
 
 
 Generating Credit Cards CLI and Retail X-Sell bases on agreed criteria and track pre and post performance.
 
 
 Preparation of retail portfolio packs monthly with detailed segment level splits.
 
 
 
 
 
 Education
 
 
 
 Graduate or above.
 
 
 
 
 
 Experiences
 
 
 
 3 to 5 year&rsquo;s experience
 
 
 
 
 
 Knowledge &amp; Skills
 
 
 
 SQL, SAS, Power BI, Python and MS tools.
 
 
 
 
 
 Behavioral Competencies
 
 
 <ul>
 <li>
 Strong Analytical skills.
 </li>
 <li>
 Knowledge of retail asset banking products.
 </li>
 <li>
 Good problem solving and communication skills.
 </li>
 <li>
 Basic knowledge of collections workflows.
 </li>
 </ul>
 
 
</div>

Manager – Portfolio Analytics

Deriv

<div>
 As a Compliance Analyst specialising in AML and Crypto Risk at Deriv, you'll safeguard our business and clients against financial crime by expertly navigating the intricate challenges of cryptocurrencies and blockchain transactions. Your analytical expertise will not only secure our operations but also reinforce the integrity of global financial and crypto markets. By leveraging advanced, AI-enhanced tools, you'll heighten our capacity to assess and manage crypto-related risks with unmatched precision and efficiency, creating a tangible and lasting impact on our organisation.
 
 
 AI is being embedded into our company DNA, across every department. For further information, please read our guide: &lsquo; AI at Deriv: Your future fuelled by innovation '.
 
 
 
 Your challenges:
 
 
 
 <ul>
 <li>
 Investigate flagged client accounts by analysing both crypto and fiat transactions to uncover potential AML/CTF risks
 </li>
 <li>
 Carry out comprehensive KYC, KYT, CDD, EDD, and SOF/SOW checks, with particular emphasis on the risk exposure associated with virtual asset service providers (VASPs)
 </li>
 <li>
 Assess high-value crypto deposit and withdrawal requests by reviewing wallet addresses, transaction histories, and employing risk scoring methodologies through AI-powered tools and blockchain analytics
 </li>
 <li>
 Screen clients and wallets against politically exposed persons (PEP) lists, global sanctions databases, and adverse crypto or dark web exposures
 </li>
 <li>
 Prepare and submit detailed internal compliance reports, suspicious transaction reports (STRs), and quarterly/annual AML/CTF filings to regulatory authorities
 </li>
 <li>
 Collaborate with operational and product teams to provide guidance on crypto AML/CTF compliance, anti-fraud measures, and risk mitigation strategies, while continuously improving internal procedures
 
 
 </li>
 </ul>
 
 You may enjoy working with us if you:
 
 
 
 <ul>
 <li>
 Are enthusiastic about being part of a global team and appreciate working with people from over 80 different nationalities
 </li>
 <li>
 Are good at using your smarts to tackle tricky regulatory challenges and enjoy trying out new AI tools to keep things secure
 </li>
 <li>
 Enjoy being in a setting where you can solve problems, keep up with changing industry trends, and never stop learning
 </li>
 <li>
 Take pride in doing the right thing, protecting our reputation, and playing a key role in keeping our operations safe and sound
 </li>
 <li>
 Enjoy the intellectual stimulation of staying ahead of evolving crypto regulations, FATF guidance, and DeFi risks
 
 
 </li>
 </ul>
 
 Requirements:
 
 
 
 <ul>
 <li>
 Hold a university degree in finance, economics, law, risk management, criminology, business studies, data science or management and have 5+ years of compliance experience within the crypto and blockchain industry or fin-tech investment services.
 </li>
 <li>
 Possess strong knowledge of AML/CTF regulations, including VASP obligations and FATF recommendations, with proven experience in utilising blockchain analytics tools such as Chainalysis, TRM Labs or Elliptic for crypto wallet transaction monitoring
 </li>
 <li>
 Exhibit excellent analytical capabilities to identify patterns and anomalies in crypto transaction data, with proficiency in Excel and analysing complex datasets related to fiat and crypto transactions
 </li>
 <li>
 Communicate with clarity and precision in English, demonstrating meticulous attention to detail, strong organisational skills and the ability to make sound judgements based on limited information while upholding compliance standards
 </li>
 <li>
 Work with integrity, reliability and a strong ethical foundation, while being self-motivated, adaptable to changing priorities and enthusiastic about embracing AI and blockchain technologies in compliance work
 
 
 </li>
 </ul>
 
 Company culture:
 
 
 
 <ul>
 <li>
 Join a diverse, inclusive workplace that values innovation and cross-cultural collaboration.
 </li>
 <li>
 Enjoy competitive compensation, professional development opportunities
 </li>
 <li>
 Be part of a company recognised for excellence and committed to career growth opportunities.
 
 
 </li>
 </ul>
 You&rsquo;ll be based at our modern office in Dubai&rsquo;s prestigious Business Bay, a key centre for Deriv&rsquo;s Middle Eastern operations. Our Dubai office is home to over 200 talented professionals from diverse nationalities, creating a truly global workplace. You&rsquo;ll thrive in an expat-friendly environment that celebrates diversity and encourages cross-cultural collaboration, with regular knowledge-sharing sessions and team events.
 
 
 Dubai&rsquo;s position as a global business hub, combined with its tax-free benefits, ultramodern lifestyle, and family-friendly environment with excellent schools and healthcare, creates the perfect setting for international professionals. Join us in Dubai to shape the future of online trading while experiencing life in one of the world&rsquo;s most dynamic and cosmopolitan cities.
 
 
 Our culture is unique, and we live by our values and leadership principles, so it&rsquo;s worth learning more about Deriv's culture .
</div>

Compliance Analyst - AML & Crypto Risk

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Manager – Portfolio Analytics

Compliance Analyst - AML & Crypto Risk