Job Description
Job : Governance, Risk Management & Compliance
Primary Location : Asia-India-Bangalore
Schedule : Full-time
Employee Status : Permanent
Posting Date : 06/Jul/2026, 12:15:16 AM
Unposting Date : Ongoing
The Role Responsibilities
Job Role
The role will be responsible for
Develop, implement and drive the fraud management framework for all the digital channels.
Manage Retail Clients/CCIB Fraud Risk activities and processes effectively and efficiently aligned to business strategy for the country.
Work with Regional Head, Fraud Risk Management and other stakeholders in the country for smooth functioning of Fraud risk management processes and activities.
Manage fraud risk, assisting businesses with implementing the 'best in class' tools and processes to minimize fraud losses while maintaining and adhering to customer charter goals and objectives.
Develop and build fraud rule using statistical models for identifying and preventing various fraudulent activities across different markets.
Analyse massive user behavioural data to mine abnormal behaviour patterns to identify fraud trends.
Build data pipeline to enable scalable and real-time fraud detection.
Analyse / Test the model’s effectiveness in fraud prevention and continuously monitor / update model performance.
Drive Service Review meetings with the country stakeholders.
Strategy
Support and provide inputs to Regional Head, Fraud Risk Management for developing operational model and shaping strategic agenda for Fraud risk management and implementing the strategic direction for the country.
Work with Regional Head, Fraud Risk Management to design and implement the Fraud Risk strategy and infrastructure for the country for channels and products within Retail Clients segment.
Manage fraud risk, assisting businesses with implementing the 'best in class' tools and processes to minimize fraud losses while maintaining and adhering to customer charter goals and objectives.
Business
Ensure the Fraud Risk Management framework is effectively embedded and communicated across Retail Customers segment.
Develop a proactive, independent, balanced and a fraud risk awareness culture within the organisation.
Develop effective fraud risk management strategies and timely deploy these strategies across products and channels.
Identify industry best fraud risk infrastructure and management practices are tabled and are considered for adoption within the country.
Ensure that gross and residual fraud risks are understood and agreed with the respective business heads in the country.
Processes
Lead and drive standardisation, automation and consolidation through re-engineering and process improvement initiatives for the country for Fraud Risk Management.
Develop and maintain fraud management capabilities, skills and infrastructure in the country that are in compliance with both internal policies and external regulations and are responsive to fraud attacks.
Act quickly and decisively when any risk and control weakness becomes apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees.
Identify and track Key Performance Indicators (KPIs) to support strategy testing environment and daily operations.
Continuously improve the operational efficiency and effectiveness of fraud risk management processes.
Ensure effective recovery tracking process in place in the country.
People and Talent
Support the identification, engagement and retention of high quality FRM professionals at country level.
Set and monitor job descriptions and objectives for direct reports and provide feedback and rewards in line with their performance against those responsibilities and objectives.
Ensure that holders of all critical roles are suitably skilled and qualified for their roles ensuring that they have effective supervision in place to mitigate any risks.
Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners.
Encourage and promote an active training and learning environment to facilitate excellence in risk management, risk awareness, behaviours and accountability.
Risk Management
Deliver the defined aspects of the Fraud Risk role to support the Group's Fraud risk management approach and objectives.
Ensure that the Fraud risk role is managed in accordance with the defined Fraud Risk Framework and associated Policy and Standards; and those issues are identified, escalated, and addressed as appropriate.
Manage the Fraud Risk team professionally and efficiently, closely tracking deliverables and commitments.
Governance
Establish strong ties into the relevant business lines governance, risk and control committees to ensure adequate monitoring, tracking and governance of Fraud risk.
Drive integration of Fraud Risk Framework and associated Policy and Standards into business lines and utilise for the ongoing governance process established within the Bank.
Regulatory and Business Conduct
Display exemplary conduct and live by the Group’s Values and Code of Conduct.
Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across the Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
Lead the Fraud risk team to achieve the outcomes set out in the Bank’s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment].
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key Stakeholders
Business, Governance and Risk
Group / Country Fraud and Risk Operations
CCO Retail Clients, RCOs, CCH, CCROs, SOROs
Partnership Business, Risk, Compliance, FCC stakeholders
Digital Channels Delivery
Product Owners and Product Managers for various channels
Fraud FRSC
Regional / Country Business Heads and Product Head, CPBB Client segment
Financial Crime Compliance and Shared Investigations Services
Relevant members of Risk Operations management team
Internal and External Auditors and Regulators
Suppliers, Vendors and Consultants
Other Responsibilities
Establish strong relationships with identified stakeholders across the business lines and understand their strategic goals, in order to ensure Fraud risk management and alignment.
Prepare, present and demonstrate fraud risk capabilities in relevant risk committees, steering groups and cross-business forums.
Measure efficient and effective management of Fraud risk through applicable controls and tools.
Build trusted working relationships with other functional heads, risk and compliance counterparts, and business unit stakeholders.
Utilise appropriate risk management tool(s) to manage, track and monitor Fraud risks across the business lines.
Maintain sufficient and appropriate evidence of work performed for review by Group Internal Audit and others.
Monitor, assess and advise business lines on acceptable risk tolerances based on policy and control environment and the evolving regulatory and threat landscape.
Our Ideal Candidate
Bachelor’s degree in Engineering, Finance and Accounting, Law, Business Management, or other related discipline or Graduate degree (Master’s) and / or professional certifications have an advantage (e.g., CISSP, CFE, CRISC).
Proven experience (8 - 10 years) in a fraud risk management in Digital Banking, Fraud investigation, in the Fraud risk field.
Thorough understanding of Retail and Business Banking processes and products, risks, threats and internal controls.
Good understanding of the payments ecosystem including various payment types.
Highly technical – Being able to manage technical teams who manage integrations for both mobile and web.
Good understanding of the application and network security.
Being able to analyse data in great detail and being able to provide deep insights.
Deep knowledge of fraud risks from both consumer and wholesale banking.
Good understanding of various fraud products and their capabilities.
Combination of hard and soft skills is required for this role.
Stakeholder management at various levels within the bank.
Good understanding of various controls available and how these controls provide a layered defence.
Good presentation skills to be able to present, teach and train at various levels within the Bank.
Strong leadership, negotiation and collaboration skills, and ability to work effectively in a complex multicultural and multi-time zone organization.
Ability to collect and analyse data, establish facts, and make recommendations in written and oral form.
Ability to liaise with all parts of the Bank, including risk and business stakeholders.
Excellent oral, written and communication skills.
Role Specific Technical Competencies
Technical Skills - Development
Technical Skills - Delivery
Technical Skills - Security
Technical Skills - Data Analytics
About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 160 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents. And we can't wait to see the talents you can bring us.
Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we:
Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations
Time-off including annual, parental / maternity (20 weeks), sabbatical (12 weeks maximum) and volunteering leave (3 days), along with with minimum global standards for annual and public holiday, which is combined to 30 days minimum
Flexible working options based around home and office locations, with flexible working patterns
Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning
Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.
Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.
Visit our careers website www.sc.com/careers
Primary Location : Asia-India-Bangalore
Schedule : Full-time
Employee Status : Permanent
Posting Date : 06/Jul/2026, 12:15:16 AM
Unposting Date : Ongoing
The Role Responsibilities
Job Role
The role will be responsible for
Develop, implement and drive the fraud management framework for all the digital channels.
Manage Retail Clients/CCIB Fraud Risk activities and processes effectively and efficiently aligned to business strategy for the country.
Work with Regional Head, Fraud Risk Management and other stakeholders in the country for smooth functioning of Fraud risk management processes and activities.
Manage fraud risk, assisting businesses with implementing the 'best in class' tools and processes to minimize fraud losses while maintaining and adhering to customer charter goals and objectives.
Develop and build fraud rule using statistical models for identifying and preventing various fraudulent activities across different markets.
Analyse massive user behavioural data to mine abnormal behaviour patterns to identify fraud trends.
Build data pipeline to enable scalable and real-time fraud detection.
Analyse / Test the model’s effectiveness in fraud prevention and continuously monitor / update model performance.
Drive Service Review meetings with the country stakeholders.
Strategy
Support and provide inputs to Regional Head, Fraud Risk Management for developing operational model and shaping strategic agenda for Fraud risk management and implementing the strategic direction for the country.
Work with Regional Head, Fraud Risk Management to design and implement the Fraud Risk strategy and infrastructure for the country for channels and products within Retail Clients segment.
Manage fraud risk, assisting businesses with implementing the 'best in class' tools and processes to minimize fraud losses while maintaining and adhering to customer charter goals and objectives.
Business
Ensure the Fraud Risk Management framework is effectively embedded and communicated across Retail Customers segment.
Develop a proactive, independent, balanced and a fraud risk awareness culture within the organisation.
Develop effective fraud risk management strategies and timely deploy these strategies across products and channels.
Identify industry best fraud risk infrastructure and management practices are tabled and are considered for adoption within the country.
Ensure that gross and residual fraud risks are understood and agreed with the respective business heads in the country.
Processes
Lead and drive standardisation, automation and consolidation through re-engineering and process improvement initiatives for the country for Fraud Risk Management.
Develop and maintain fraud management capabilities, skills and infrastructure in the country that are in compliance with both internal policies and external regulations and are responsive to fraud attacks.
Act quickly and decisively when any risk and control weakness becomes apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees.
Identify and track Key Performance Indicators (KPIs) to support strategy testing environment and daily operations.
Continuously improve the operational efficiency and effectiveness of fraud risk management processes.
Ensure effective recovery tracking process in place in the country.
People and Talent
Support the identification, engagement and retention of high quality FRM professionals at country level.
Set and monitor job descriptions and objectives for direct reports and provide feedback and rewards in line with their performance against those responsibilities and objectives.
Ensure that holders of all critical roles are suitably skilled and qualified for their roles ensuring that they have effective supervision in place to mitigate any risks.
Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners.
Encourage and promote an active training and learning environment to facilitate excellence in risk management, risk awareness, behaviours and accountability.
Risk Management
Deliver the defined aspects of the Fraud Risk role to support the Group's Fraud risk management approach and objectives.
Ensure that the Fraud risk role is managed in accordance with the defined Fraud Risk Framework and associated Policy and Standards; and those issues are identified, escalated, and addressed as appropriate.
Manage the Fraud Risk team professionally and efficiently, closely tracking deliverables and commitments.
Governance
Establish strong ties into the relevant business lines governance, risk and control committees to ensure adequate monitoring, tracking and governance of Fraud risk.
Drive integration of Fraud Risk Framework and associated Policy and Standards into business lines and utilise for the ongoing governance process established within the Bank.
Regulatory and Business Conduct
Display exemplary conduct and live by the Group’s Values and Code of Conduct.
Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across the Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
Lead the Fraud risk team to achieve the outcomes set out in the Bank’s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment].
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key Stakeholders
Business, Governance and Risk
Group / Country Fraud and Risk Operations
CCO Retail Clients, RCOs, CCH, CCROs, SOROs
Partnership Business, Risk, Compliance, FCC stakeholders
Digital Channels Delivery
Product Owners and Product Managers for various channels
Fraud FRSC
Regional / Country Business Heads and Product Head, CPBB Client segment
Financial Crime Compliance and Shared Investigations Services
Relevant members of Risk Operations management team
Internal and External Auditors and Regulators
Suppliers, Vendors and Consultants
Other Responsibilities
Establish strong relationships with identified stakeholders across the business lines and understand their strategic goals, in order to ensure Fraud risk management and alignment.
Prepare, present and demonstrate fraud risk capabilities in relevant risk committees, steering groups and cross-business forums.
Measure efficient and effective management of Fraud risk through applicable controls and tools.
Build trusted working relationships with other functional heads, risk and compliance counterparts, and business unit stakeholders.
Utilise appropriate risk management tool(s) to manage, track and monitor Fraud risks across the business lines.
Maintain sufficient and appropriate evidence of work performed for review by Group Internal Audit and others.
Monitor, assess and advise business lines on acceptable risk tolerances based on policy and control environment and the evolving regulatory and threat landscape.
Our Ideal Candidate
Bachelor’s degree in Engineering, Finance and Accounting, Law, Business Management, or other related discipline or Graduate degree (Master’s) and / or professional certifications have an advantage (e.g., CISSP, CFE, CRISC).
Proven experience (8 - 10 years) in a fraud risk management in Digital Banking, Fraud investigation, in the Fraud risk field.
Thorough understanding of Retail and Business Banking processes and products, risks, threats and internal controls.
Good understanding of the payments ecosystem including various payment types.
Highly technical – Being able to manage technical teams who manage integrations for both mobile and web.
Good understanding of the application and network security.
Being able to analyse data in great detail and being able to provide deep insights.
Deep knowledge of fraud risks from both consumer and wholesale banking.
Good understanding of various fraud products and their capabilities.
Combination of hard and soft skills is required for this role.
Stakeholder management at various levels within the bank.
Good understanding of various controls available and how these controls provide a layered defence.
Good presentation skills to be able to present, teach and train at various levels within the Bank.
Strong leadership, negotiation and collaboration skills, and ability to work effectively in a complex multicultural and multi-time zone organization.
Ability to collect and analyse data, establish facts, and make recommendations in written and oral form.
Ability to liaise with all parts of the Bank, including risk and business stakeholders.
Excellent oral, written and communication skills.
Role Specific Technical Competencies
Technical Skills - Development
Technical Skills - Delivery
Technical Skills - Security
Technical Skills - Data Analytics
About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 160 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents. And we can't wait to see the talents you can bring us.
Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we:
Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations
Time-off including annual, parental / maternity (20 weeks), sabbatical (12 weeks maximum) and volunteering leave (3 days), along with with minimum global standards for annual and public holiday, which is combined to 30 days minimum
Flexible working options based around home and office locations, with flexible working patterns
Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning
Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.
Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.
Visit our careers website www.sc.com/careers
💡 Quick Summary
Seeking a career-building opportunity? The Head Digital Fraud Risk position is now open for candidates interested in the Bank Jobs sector. This role in Bengaluru offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
