Wholesale Fraud Risk Manager

Some careers shine brighter than others.

If you’re looking for a career that will help you stand out, join HSBC and fulfil your potential. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.

 HSBC is one of the largest banking and financial services organisations in the world, with operations in 64 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realise their ambitions.

We are currently seeking an experienced professional to join our team in the role of Wholesale Fraud Risk Manager

In this role, you will:

• Perform high quality lending fraud risk analysis through review of financial statements / annual accounts for selected New to Bank (NTB) and existing CMB and GB customers in line with the global procedures. Evaluate fraud triggers and provide commentary/analysis for the frontline to use when evaluating lending fraud risk.
• Providing feedback into the calibration of trigger events, typologies & prioritization. Apply learned techniques, knowledge and expertise to new situations and in different business environments. Undertake quality assurance of closed triggers, applying critical thinking and judgement when escalating concerns as appropriate.
• Provide detailed assessment of fraud triggers in line with the Wholesale Fraud target operating model. Provide SME guidance to the Regional Lending Fraud Specialist to effectively manage fraud risk. Escalate trends of systemic lending fraud risk to appropriate stakeholders
• Maintain an in-depth understanding of lending fraud and upskill through continuous learning. Collaborate with the Regional Lending Fraud Specialist to provide lending fraud subject matter expertise to the frontline. Provide feedback to the Regional Lending Fraud Specialist Lead and recommend improvements to processes, procedures, and methodologies.
• Promote effective control management of fraud risks. Contribute towards meeting Key Risk Indicators (KRIs) so that the business effectively controls and mitigates risk (e.g. improved early risk identification). Provide SME guidance and support the frontline to effectively manage fraud risk
• Provide high quality analysis which enable CMB and GB to effectively manage lending fraud risk. Collaborate with and support (where required) other Lending Fraud Specialists or Leads in their assessments. Support achievement of the HSBC vision, values, goals and culture in personal behaviour, actions and decision making.
• Complete Lending Fraud activities within/to the required timescales and quality. Establish strong working relationships and share best practice. Drive a more proactive risk management framework through enhanced assessment, reporting and analytics.
• Facilitate the earlier identification of fraud risk in the credit lifecycle. Lead and manage a team to support COO and fraud risk with best-in-class risk management practices.
• Contribute towards a strong risk management culture across COO. Support achievement of the HSBC strategy, purpose and values in personal behaviour, actions and decision making.

To be successful you will:

• Proven, progressive and broad-based banking experience in commercial banking lending, relationship management and/or lending fraud management or financial statement fraud investigations or equivalent.
•  Strong experience analyzing financial statement of wholesale / corporate clientele.Strong experience around wholesale credit risk with strong analytical skills and a keen eye for detail (or)
• Strong experience around complex fraud / forensic investigation of corporate clientele. In depth knowledge of Lending Fraud typologies and industry fraud risk trends.
• Ability to work independently and apply judgement/critical thinking to identify risks and trends. Strong understanding of the HSBC global organization. 
• Excellent written and spoken communication skills; an ability to communicate with impact, ensuring complex information is articulated in a meaningful way. 
• A legal or formal accountancy qualification or professional/working background in relevant risk disciplines. Proactive and willing to challenge the status quo.Written and spoken fluency in English is a requirement.
• Minimum 8 years’ experience around CIB Credit risk (credit appraisal and approvals, underwriting including financial statement analysis) and / or Complex Investigation of CIB business
• Demonstrable problem-solving experience and supporting decision making process through active participation within Working Groups. Sound knowledge of the Risk Management Framework (expert not required), preferably through previous role.

You’ll achieve more at HSBC

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HSBC is an equal opportunity employer committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and, opportunities to grow within an inclusive and diverse environment. We encourage applications from all suitably qualified persons irrespective of, but not limited to, their gender or genetic information, sexual orientation, ethnicity, religion, social status, medical care leave requirements, political affiliation, people with disabilities, color, national origin, veteran status, etc., We consider all applications based on merit and suitability to the role.”

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