Payment Fraud Product Owner, Non-Financial Risk Management

• Own the end-to-end product vision, strategy, roadmap and backlog for corporate payment fraud detection and prevention, aligning Risk, Technology, Data/Analytics, Operations and business stakeholders.  

• Define and prioritise data ingestion and fraud feature requirements across channels/payment types; ensure secure, resilient pipelines with strong data quality, integrity and lineage.  

• Drive delivery of data transformation, enrichment and feature enablement to support model training, monitoring and ongoing optimisation.  

• Set the strategy for the fraud decision engine (onboarding and early-life), partnering with Data Science to develop and iterate models/rules that improve detection and reduce friction.  

• Own model performance management by defining KPIs/thresholds (e.g., detection, false positives, alert volumes, loss prevented, customer impact) and running continuous tuning/champion–challenger where applicable.  

• Ensure explainability and governance are fit-for-purpose (reason codes, auditability, documentation) for investigators, risk committees and regulatory expectations.  

• Design and implement interventions and playbooks (approve/decline/step-up/hold-review/routing), integrating with downstream systems and agreeing SLAs with Fraud Operations/Investigations.  

• Establish closed-loop feedback from investigations, disputes and chargebacks; coordinate UAT, controlled rollouts and post-release monitoring to prevent false-positive spikes or payment-flow disruption. 

• Degree in a relevant discipline (advanced degree preferred) and strong Product Owner experience in financial services. 

• Deep knowledge of Wholesale Banking non-financial risk and relevant regulatory expectations. 

• Strong data/analytics background (ingestion, management, ML/predictive techniques) and Agile delivery experience. 

• Proven ability to influence senior stakeholders and communicate clearly across technical/non-technical teams. 

• Experience in real-time fraud monitoring (payments or merchant acquiring), or financial crime investigations, preferred. 

Opening up a world of opportunity 
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