Head of Digital Fraud Strategy

Responsibilities

• Formulate and execute advanced strategies for the identification, assessment, and mitigation of digital fraud risks.
• Spearhead organization-wide digital fraud risk initiatives to ensure stringent alignment with the bank's overarching digital transformation objectives.
• Provide strategic counsel to the executive leadership regarding digital fraud risk, evolving regulatory landscapes, and requisite mitigation strategies.
• Design, implement, and maintain sophisticated mechanisms for fraud detection and prevention pertinent to Amar Bank Digital, Amar Bank Business, Embedded Banking & Finance (EBF) and Tunaiku product offerings.
• Leverage advanced data analytics and machine learning methodologies to proactively predict and identify emerging digital fraud threats.
• Orchestrate the organization's comprehensive response to digital fraud incidents, encompassing timely containment, anti fraud investigation, and definitive resolution measures.
• Engage in rigorous collaboration with Technology, Product, and Business Unit teams to assure the security and risk-based integrity of all digital banking platforms.
• Systematically integrate robust risk management principles into the digital product development lifecycle via a mandatory secure-by-design approach.
• Conduct continuous analysis of digital fraud trends and technological advancements to anticipate future fraud modalities and develop highly effective preemptive strategies.
• Establish and meticulously maintain a robust governance framework dedicated to digital fraud prevention.
• Guarantee the comprehensive implementation of regulatory compliance policies and procedures within all fraud detection and mitigation systems.
• Collaborate formally with regulatory bodies and internal compliance teams to ensure strict adherence to prevailing industry standards and digital security policies.

Requirements

• 8+ years experience in digital fraud/anti-fraud role.
• 4+ years experience managing B2C digital bank or e-wallet or digital loan application (BNPL/Cash Loan).
• Ownership mindset, Drive to Learn, Grit & Resilience.
• Proven ability to engage and influence C-level stakeholders across product, technology, and business functions.
• Operate with a high degree of autonomy — translating goals into actionable strategy, setting governance standards, and driving execution without close oversight.
• Mastery of data analytics, anti fraud strategy, anti fraud rules & policy and governance.
• Proven experience setting up or operating within robust anti fraud governance frameworks.
• Fluent in English, both written and verbal.

Bonus Points

• Proven experience managing B2C digital banks/e-wallet/loan products in international or multi-market environments.
• Experience managing fraud analyst, fraud investigator as well as overall anti-fraud team directly.
• Strong understanding of the financial services system and compliance responsibilities at product level.
• Familiar with Fraud Detection System as well as Data & Monitoring platforms (Looker), & JIRA.
• Deep understanding of digital loan, digital banking, SME Banking, Embedded Banking.
• Strong grasp of Indonesia's financial ecosystem and regulatory landscape, including dealings with OJK, Bank Indonesia, and industry associations.
• Strong understanding of Indonesian market & customer behavior.