Transactional & Internal Fraud Lead

Transactional & Internal Fraud Lead About Us We are TBC Uzbekistan, the digital financial services ecosystem powering some of the Uzbekistans most innovative financial experiences. With 4,000+ team members, representing 28+ nationalities, we reach 22+ million users with products that make every day financial life simpler, smarter, and more accessible. Our ecosystem provides a leading digital banking offering in the region and includes TBC Bank Uzbekistan, one of the country’s largest digital banks; TBC Business – empowering entrepreneurs and SMEs; payme, one of Uzbekistan’s most popular payment apps; TBC Nasiya, a fast-growing credit installment business; BILLZ, a retail platform for SMEs and TBC Sug‘urta, a new generation of digital insurance. Your Role in the Team Fraud Strategy • Define and lead the fraud strategy, systems roadmap and policy framework across all business lines, adapting controls to each line's distinct fraud vectors and risk profile. • Partner with Compliance/AML, Product, Engineering and business leaders to embed fraud controls into new products from design through launch; advise Product and Operations on fraud risks in new launches and expansions. • Develop and optimise fraud prevention strategies that balance customer experience with loss mitigation. Fraud Analytics & Intelligence • Monitor fraud risk throughout the customer lifecycle to provide timely detection of emerging patterns in criminal activity. • Analyse fraudster profiles and the types of fraud being encountered (synthetic identities, money mules, etc.). Fraud Controls & Prevention • Develop and maintain fraud policies, typology libraries, detection rules and risk appetite thresholds; ensure they stay current against emerging fraud trends and are consistently applied across product lines. • Build and report a consolidated set of fraud KPIs and metrics (loss rates, detection/false-positive rates, etc.) for Executive Management and escalate material fraud risks or significant incidents as needed. • Maintain oversight of outsourced and insourced fraud controls, ensuring SLAs are met and controls are effective via targeted testing. Fraud Incident Management & Response • Set fraud incident management, escalation, response, notification and case handling standards. • Ensure root cause analysis, lessons learned and external stakeholder engagement are completed for material fraud incidents. Governance • Act as the senior fraud subject matter expert for regulators, auditors, external assessors and senior stakeholders. • Anticipate regulatory developments and ensure the fraud framework, methodologies and controls withstand audit and regulatory scrutiny. • Manage the relationship with third-party fraud vendors, holding them accountable to performance, detection efficacy and service-level commitments. • Build strategic relationships with industry bodies, intelligence-sharing forums and peer organisations. Leadership & Capability Development • Build, mentor and lead a fraud team (analysts, investigators and/or fraud engineers) as the function scales. Requirements • 5–7+ years of experience in fraud prevention, fraud product management, fraud strategy, identity and authentication, digital risk, cybersecurity or related disciplines, including at least 2 years of directly leading and developing high-performing teams. • Hands-on experience with fraud decisioning, risk orchestration, identity verification, authentication, device intelligence, behavioural risk and fraud prevention technologies. • Deep knowledge of fraud typologies — account takeover, identity fraud, synthetic identity, payments fraud, social engineering, insider-enabled fraud and emerging threats — and of layered fraud prevention strategies. • Experience defining, implementing and optimising fraud controls, rules, thresholds, risk signals and automated decision strategies, and assessing fraud risks of new products and customer journeys. • Analytical rigour: exceptional ability to work with large datasets; comfortable defining, tracking and optimising complex risk metrics (e.g. recall, precision, approval rates). Proficiency in SQL, Python, R, Power BI. • Extensive knowledge of processing operations, controls and all processing phases. • Strong strategic-thinking and problem-solving skills, with the ability to translate fraud risks and business requirements into technology solutions and measurable business outcomes. • Excellent communication and stakeholder-management skills, with the ability to engage technical and non-technical stakeholders across all organisational levels. What’s In it for you? 💰 Compensation & Rewards • Competitive salary & annual KPI bonus • Corporate discounts and special offers from partner companies 🌟 Flexibility & Time Off • Hybrid work model - you will get 24 Days annually to work from anywhere • 27 calendar days of annual vacation • Birthday Day Off for every team member and 2 childcare days for parents • Flexible working hours with two options: 09:00–18:00 or 10:00–19:00 ❤️ Wellbeing & Growth • Fresh fruits in the office and seasonal treats throughout the year • Access to Udemy and our internal learning platform with 1,600+ courses • Professional training and workshops to strengthen both technical and soft skills 🎉 Community & Culture • Team events & gatherings, celebrations, championships, and wellness initiatives that keep our community active and connected • Sports clubs including yoga, football, and basketball Join us and help transform how millions experience finances across Central Asia. The future is waiting - are you ready to make an impact?