Fraud and Credit Services (FCS) is a key International Wealth and Premier Banking (IWPB) control function, enabling sustainable growth through proportionate, effective controls across the customer lifecycle. Its fraud and money mule management function combines technology, analytics optimisation and operational expertise to prevent, detect and respond to emerging threats, protecting customers and the Bank from fraud, financial crime and associated Anti Money Laundering (AML) risks. Customer experience remains central, with controls designed to minimize unnecessary friction and provide timely, empathetic support and resolution. FCS partners with business, product, compliance and risk teams to strengthen controls and deliver consistent, intelligence-led outcomes across markets and channels.
In this role, you will:
•The Head of Fraud Business Intelligence leads the global intelligence, analytics, operations and performance agenda for retail fraud and money mule risk. The role translates data, customer insight and emerging threat intelligence into stronger controls, efficient delivery and measurable customer, risk and business outcomes.
•The role establishes global standards for management information, performance reporting, rule optimisation, and model governance fraud prevention. It defines key performance and risk indicators, identifies material trends and control gaps, challenges underperformance, and coordinates timely remediation with accountable owners.
•The role holder maintains a forward-looking view of the threat landscape through proactive horizon scanning—including AI-enabled scams, synthetic identities, deepfakes, voice cloning, social engineering and evolving mule typologies. It converts this insight into strategic threat assessments, detection priorities, control design and investment decisions, considering the potential customer and financial impact of emerging risks. It promotes responsible use of analytics optimisation, automation and machine learning, with appropriate governance, validation, monitoring and explainability.
•In partnership with fraud operations the role holder oversees demand, capacity, productivity, service quality and customer outcomes, driving continuous improvement across end-to-end processes. This includes reducing unnecessary customer friction, improving decision accuracy, and accelerating case resolution while maintaining operational resilience and robust risk management. Operational insights and customer feedback will inform ongoing control optimisation.
•The role provides concise, decision-focused reporting to senior governance forums on emerging threats, control effectiveness, operational performance, customer impact and investment priorities. It strengthens intelligence networks, shares insights across markets and promotes consistent good practice, adapting implementation proportionately to local regulatory, customer and threat conditions.
•Through this leadership, the role strengthens the organization’s ability to anticipate and disrupt fraud, protect customers and the Bank, improve operational effectiveness, and deliver sustained, evidence-based enhancement of the fraud control environment.
Principal Accountabilities and Responsibilities
•Business performance, executive insight and Management Information (MI): Own the global fraud and money mule performance framework, including consistent metrics, targets, dashboards, forecasting, loss and recovery analysis, control effectiveness, customer impact and executive reporting. Assess the quality and timeliness of MI from control operators and produce accurate, decision-useful reporting for Group submission and senior governance forums.
•Fraud and mule intelligence: Build a global view of typologies, networks, attack vectors and emerging trends by combining internal data, cyber intelligence, external intelligence and market insight; translates findings into prioritized action.
•Fraud Control Optimization and Customer Outcomes: Continuously tune fraud rules and decision strategies through test-and-learn, back-testing and champion/challenger approaches, balancing detection effectiveness, false positives, customer friction, operational capacity and financial benefit. Monitor customer outcomes, including decision accuracy, complaints, and impacts on vulnerable customers, to ensure controls remain proportionate, accessible and responsive to evolving threats.
•Model governance: Set and oversee governance standards for fraud models and analytics optimisation, including inventory, ownership, documentation, validation, performance monitoring, explainability, change control, limitations and remediation.
•Money mule risk management: Strengthen capabilities to identify, disrupt and prevent mule activity across onboarding, account behavior, payments and networks, with clear pathways for investigation, intervention, exit and external reporting.
•Global standards and market enablement: Define minimum standards, reusable methodologies and common tooling while supporting proportionate local implementation and regulatory requirements.
•Leadership and influence: Lead a geographically dispersed team and influence senior stakeholders across markets, Second Line of Defense (SLOD), Third Line of defense (TLOD), Technology and Operations.
•Governance and assurance: Provide transparent reporting on performance, control gaps, model or rule deterioration, emerging threats and remediation; escalate material risks promptly through appropriate governance forums.
•External engagement: Develop/strengthen external relationships with public/private sector partners and peers; engage with external parties such as local regulators and Card Associations as required.
Leadership Capabilities
•Strategic leadership, enterprise-wide influence and decisive stakeholder engagement
•Fraud intelligence, link analysis, and threat assessment fraud prevention
•Performance management, data-led insight and compelling executive storytelling
•Fraud rule optimisation, decision strategy and robust model governance
•Inclusive leadership, sound judgement and development of high-performing teams
To be successful you will:
•Senior leadership experience in retail fraud, financial crime intelligence, or fraud analytics.
•Strong knowledge of payment, card, digital banking and money mule typologies, controls and operating models.
•Track record of improving fraud outcomes through insight, rule optimisation or intelligence-led intervention.
•Working knowledge of model risk management, governance and regulatory expectations.
•Strong commercial and financial acumen, with the ability to connect risk decisions to losses, customer outcomes, operational cost, revenue and investment priorities.
•Strong influencing capability (essential), including communicating complex/sensitive topics clearly to multiple stakeholders, including influencing senior executives across business, risk, operations, data and technology.
•Professional experience in analytics, data science, risk, finance, economics or a related discipline
You’ll achieve more at HSBC
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.”
Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.
***Issued By HSBC Electronic Data Processing (India) Private LTD***
