Anti fraud Investigation Analyst

Manila, Metro Manila, Philippines | Risk | Full-time | Partially remote

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About Trusting Social

We are an AI Fintech company specializing in assessing the credit profiles of consumers in emerging markets combining pioneering AI with large alternative data sources. In 2020 we reached our ambitious milestone of credit profiling 1bn consumers spanning 4 countries - Vietnam, Indonesia, India & the Philippines - and building a platform for the wider industry and the financial services industry, in particular, to provide the 'un & under' served access to credit. At the core of this initiative has been our strict and unwavering adherence to the norms of consumer data privacy and consumer data rights. 

But we're not satisfied as we embark on the next leg of our journey to deliver 100 million credit lines to consumers in the markets where we operate. Although this goal is ambitious, we truly believe that by harnessing the power of AI & Big data, we can deliver financial access at unprecedented scale. 

As a firm, we're audacious problem solvers motivated by our impact on society. We deeply espouse the values of ownership - of our actions and initiatives, integrity in all we do, and agility in execution. 

We place great importance on doing what is right, what is best, and what is innovative. We are seeking people to champion these values and beliefs as we grow.  

How you will make an impact in this role

Seek, identify, and promptly prevent new attack schemes by fraudulent groups in our online loans and credit cards approval process. Ensure a high level of security for the portfolio.

If you want to work and learn from one of the best and brightest technology teams in the Philippines and be part of a winning team with exponential growth regionally, experience recruiting world-class talents, come join us.

What you will do

Risk analyst responsibilities include monitoring the risk of portfolios, focus on reducing negative financial outcomes of digital banking including analyzing requirements, conducting analyses, developing reports, dashboards, data insight recommendations, also track performance and quality control to identify improvements. Specifically, you will:

  • Understanding our end-to-end digital lending process including onboarding, usage, and collection
  • Develop a monitoring report for tracking progress and fraud-rules of decision engines
  • Propose optimization of risk policies and initiatives to prevent frauds
  • Verify  fraudulent cases identified by the system, reported by clients or reported by cooperating business partners
  • Identification and confirmation of fraud attempts based on data provided by anti-fraud data analysts
  • Improving processes and bringing new ideas on how to control fraud attempts
  • Maintain internal black lists and manage internal black list policies and data cleansing
  • Perform QC on application data and documents
  • Prepare daily/weekly/monthly reports about performed activities and findings

What you need to have

  • At least 2 years’ experience in fraud detection, fraud investigation, loans underwriting or risk management or financial services generally, preferably in the consumer finance industry
  • Have experience with databases (SQL). Ability to analyze data, identify patterns, and make data-driven decisions to detect and prevent fraudulent activities.
  • Familiarity with anti-fraud systems, and other tools to identify and prevent fraudulent activities
  • Must have excellent negotiation and problem-solving skills
  • Excellent time management and ability to work under pressure
  • Good verbal and written communication skills in English
  • Willing to learn on the job and ready to adapt to changes in requirements.
  • Bachelor's degree in Finance, Economics, Business Administration, Banking or related fields

Compensation and Benefits

  • Work and learn from one of the best and brightest technology teams in the Philippines
  • Be part of a winning team with exponential growth regionally, experience recruiting world-class talents
  • Work directly with top-level managers and learn from an international group of experts
  • Comprehensive optional health insurance package for family

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