Authorisation & Fraud Consultant
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About the Role
Job Title: Authorisation & Fraud Consultant Term: 12 months Location: Riyadh, KSA Division: Credit Cards Reports to: Head of Cards Relevant experience: 10-12 years of experience.
Key Skills for This Role
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Overview
Job Title: Authorisation & Fraud Consultant Term: 12 months Location: Riyadh, KSA Division: Credit Cards Reports to: Head of Cards Relevant experience: 10-12 years of experience in fraud Mandatory requirements: Worked in a bank and has good understanding of cards business, authorisation and fraud systems.
Purpose Of Job
Support the Credit Cards business by optimizing authorization performance, fraud controls, and portfolio health, ensuring a balance between customer experience (approval rates) and risk management (fraud prevention).
Core Responsibilities And Accountabilities
- Develop a deep understanding of the bank's credit card portfolio, including customer segments, spend behavior, and lifecycle performance
- Drive authorization optimization strategies to improve approval rates across the issuing portfolio while maintaining risk thresholds
- Analyze authorization declines (codes, patterns, drivers) and identify opportunities to reduce false declines and enhance customer experience
- Collaborate with fraud and risk teams to optimize fraud rules and controls without negatively impacting genuine transaction approvals
- Monitor and report on key issuing KPIs: approval rates, decline rates, fraud rates, and portfolio performance metrics
- Provide data-driven insights and analytics to support decision-making across cards business, risk, and operations teams
- Enhance reporting dashboards (MIS) for issuing portfolio, focusing on authorization performance and fraud trends
- Act as the interface between Mastercard and issuer stakeholders (cards business, risk, fraud, operations), ensuring alignment on initiatives and outcomes
- Support implementation of authorization and fraud optimization use cases and recommendations within the issuing environment
- Establish governance cadence with stakeholders to track performance, outcomes, and ongoing enhancements
- Coordinate with Mastercard teams to incorporate best practices and global insights into the issuing portfolio
- Ensure effective knowledge transfer and capability building within the bank's cards and fraud teams
- Knowledge and Experience
- 10 12 years of experience in cards issuing, fraud risk, and authorization management
- Strong understanding of credit cards issuing business lifecycle (activation, usage, retention, spend growth)
- Proven experience managing authorization strategies and fraud controls in issuing environments
- Familiarity with fraud and auth platforms
- Ability to translate analytics into actionable portfolio-level interventions
- Experience working closely with cards business teams (not just acquisition/sales)
- Strong stakeholder management across risk, fraud, and cards portfolio teams
- Awareness of SAMA regulations around fraud reporting & liability
- Experience in local market fraud trends (KSA/GCC)
- Understanding of compliance vs business trade-offs
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