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Fraud Lead, Head of Fraud Management

Fraud Management

The Fraud Lead, Head of Fraud Management is responsible for leading the organization's fraud risk strategy, governance, and operational controls to protect the business, merchants, and customers from financial crime. This role oversees merchant risk assessment and onboarding, transaction monitoring, fraud detection and investigation, financial risk control, chargeback management, and reputational risk management to ensure a secure and compliant payment ecosystem.

Working closely with Operations, Compliance, Finance, IT, law enforcement, regulators, and payment schemes such as Visa and Mastercard, the role develops fraud prevention frameworks, strengthens monitoring systems, enhances analytics capabilities, and drives continuous improvements through automation and emerging technologies. The position is also responsible for reporting fraud risk metrics to senior management, ensuring regulatory compliance, reducing fraud losses, and improving operational effectiveness. As a strategic leader, the Fraud Lead, Head of Fraud Management builds and develops high-performing teams, promotes a strong risk culture, and delivers innovative fraud management solutions within a fast-paced payment and financial services environment.

หน้าที่และความรับผิดชอบ

1. Merchant Onboarding & Policy Oversight 

  • Design and implement merchant risk assessment frameworks, integrating KYC, business profiling, and fraud scoring for new merchants.

  • Continuously evaluate and tune onboarding controls to manage emerging threats and regulatory compliance.

2. Transaction & Financial Fraud Management

  • Monitor transaction flows to detect anomalies, patterns, or emerging fraud trends.

  • Analyze fraud events and develop root-cause insights to inform mitigation strategies.

  • Strengthening surveillance systems, MI dashboards, and fraud detection rule-sets.

  • Conduct proactive fraud investigations and coordinate with internal teams and law enforcement as needed.

3. Financial Risk Control

  • Measure fraud loss exposure and report financial risk metrics to executive leadership.

  • Align fraud loss provisioning and tax/regulatory frameworks in coordination with Finance.

  • Support compliance and liaison with BOT, scheme partners (e.g., Visa/Mastercard), and external auditors on fraud-related matters.

4. Chargeback & Dispute Management

  • Develop and implement strategies to reduce chargebacks, such as strong authentication (3D Secure), fraud scoring, and merchant education.

  • Track chargeback ratios across merchants and payment channels.

  • Use data analytics to predict and prevent future chargebacks.

  • Oversee the end-to-end chargeback process, including timely response to card scheme disputes.

  • Coordinate with merchants to gather evidence and represent cases effectively. 

5. Reputational Risk Management

  • Monitor media, public forums, and social media to detect and mitigate reputational threats related to fraud and financial crime.

  • Collaborate with PR/communications to handle crisis situations and official statements.

  • Ensure adherence to regulatory and brand integrity standards in communications and disclosures.

6. Team Leadership & Continuous Improvement

  • Lead, mentor, and develop a diverse fraud and investigation team, fostering analytical thinking and operational discipline.

  • Enhance quality assurance across fraud systems, reduce false positives, and improve detection efficiency.

  • Drive change programs to implement new tools, automation, and fraud intelligence models.

คุณสมบัติ

  • Bachelor’s or master’s in finance, Law, or related fields.

  • At least 10 years in fraud management, transactional risk, or operational risk, ideally in payments/banking/e‑commerce.

  • At least 5 years in leadership roles overseeing fraud detection, financial crime, or policy development.

  • Proficiency in fraud monitoring platforms, data analytics, rule engines, MI tools, and risk frameworks.

  • Solid knowledge of payment systems (cards, ACH, e‑wallets), KYC/AML principles, and regulatory compliance.

  • Excellent analytical mindset, with proven problem-solving and investigative acumen.

  • Strong leadership, stakeholder management, and crisis communication ability.

  • Fluent in English and Thai; excellent presentation and report-writing skills.

สมัคร