Authorization and Fraud Control Consultant

Overview

• 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 client 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 client 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.