1. Support the Enhancement of the Fraud Risk Management Framework

• Contribute to the refinement of fraud risk policies, procedures, and governance standards.
• Ensure consistent application of the fraud risk framework across business units and subsidiaries.
• Identify gaps and propose improvements based on operational insights and incident trends.

2. Lead Targeted Fraud Risk Assessments and Control Reviews

• Conduct in‑depth fraud risk assessments for high‑risk products, channels, and processes.
• Evaluate the effectiveness of existing controls and recommend mitigation strategies.
• Collaborate with business units to implement and monitor corrective and preventive actions.

3. Coordinate the Implementation of Fraud Risk Management Tools Across VPBank Group

• Support the rollout, enhancement, and optimization of fraud detection and monitoring tools (e.g., surveillance systems, red‑flag indicators, case management platforms).
• Ensure tools are effectively adopted by business units and tailored to operational requirements.
• Monitor system performance and escalate issues for timely resolution.

4. Contribute to the Development of Technology‑Enabled Fraud Solutions

• Provide operational input to strengthen fraud analytics, AI models, and real‑time monitoring capabilities.
• Participate in testing, validating, and deploying new fraud detection technologies.
• Work closely with IT and Data teams to improve system integration, functionality, and performance.

5. Lead and Support Fraud Incident Investigations

• Investigate complex or high‑impact fraud incidents in coordination with relevant stakeholders.
• Conduct root‑cause analysis and propose systemic enhancements to prevent recurrence.
• Ensure accurate, complete, and timely documentation and reporting of fraud incidents.

6. Promote Fraud Awareness and Strengthen Risk Culture

• Deliver targeted fraud awareness sessions for high‑risk teams and frontline staff.
• Support internal campaigns encouraging ethical conduct and proactive reporting.
• Maintain training records and monitor program effectiveness.

7. Ensure Compliance with Regulatory and Internal Requirements

• Prepare fraud risk dashboards and reports for management committees and regulators.
• Support audits, inspections, and governance reviews.
• Ensure full compliance with SBV regulations and internal fraud risk management standards.

1. Educational Qualifications

• Bachelor’s degree or higher in Finance, Banking, Business Administration, Economics, Law, Fintech, or a related discipline.
• Preferred: Master’s degree or relevant professional certifications, such as:
• Certified Fraud Examiner (CFE)
• Certified Risk Management Professional (CRMP)
• Certified Internal Auditor (CIA)

2. Relevant Knowledge / Expertise

• Strong knowledge of:
• Fraud risk frameworks, typologies, and mitigation methodologies
• Financial crime regulations and compliance standards
• Internal control systems and audit methodologies
• Data analytics concepts and technologies used in fraud detection
• Familiarity with:
• Banking products and services (especially retail lending portfolios)
• Regulatory requirements (e.g., AML, KYC, FATF guidelines)
• Investigation procedures and case management systems

3. Skills

• Analytical & Investigative: Ability to identify patterns, anomalies, and root causes in fraud cases.
• Technical Proficiency:
• Experience using fraud monitoring platforms and data analytics tools
• Knowledge of SQL, Python, or similar data interrogation tools is an advantage
• Communication:
• Strong report writing abilities and effective presentation skills
• Ability to convey complex insights to non‑technical stakeholders
• Collaboration: Demonstrated ability to work cross‑functionally with Compliance, Legal, IT, and business units
• Strategic Thinking: Capability to design, implement, and assess fraud prevention strategies

4. Relevant Experience

• Typically 5–7 years of experience in fraud risk management, internal audit, compliance, or financial crime investigation.
• Proven experience in:
• Leading and managing fraud investigations
• Developing and executing fraud mitigation strategies
• Overseeing fraud risk within digital channels and emerging technologies

5. Required Competencies

• Integrity & Ethics: Strong commitment to professionalism, confidentiality, and ethical behavior.
• Risk Awareness: Ability to anticipate emerging fraud trends and respond proactively.
• Decision‑Making: Sound judgment during high‑pressure or high‑risk investigations.
• Adaptability: Comfortable navigating dynamic, fast‑paced, and high‑risk environments.
• Leadership: Ability to mentor junior staff and influence senior stakeholders effectively.