Head of Cards Operations & Fraud Management

About ENBD

Job Overview

Key Responsibilities

• Oversee daily operations related to card products, ensuring efficiency and effectiveness in processes.
• Collaborate with internal teams to optimize operations and improve customer service levels.
• Implement and monitor performance metrics to ensure operational excellence.
• Manage operational risks and implement controls to minimize disruptions.
• Manage & govern Network International who is Banks Card processor and also provides other critical services like Switching, embossing etc.
• Develop and implement strategies for fraud detection and prevention across card products for Emirates NBD and Emirates Islamic as well as support to international entities KSA, London and India.
• Monitor fraud trends and work with relevant teams to mitigate risks.
• Collaborate with compliance and risk management teams to ensure that all operations comply with regulatory requirements.
• Manage Application Frauds for Cards, Personal Loans and Auto-Loans
• Oversee the investigation and resolution of fraud incidents.
• Ensure that all card operations and fraud management practices comply with relevant regulations.
• Prepare and present reports on operational performance, fraud incidents, and risk management to senior management.
• Liaise with regulatory authorities as needed to ensure compliance and address any issues.
• Maintain accurate records of operations and fraud management activities.
• Work closely with internal stakeholders, including product, risk, and IT teams, to ensure alignment of operations and fraud management strategies with business objectives.
• Engage with external partners, including vendors and service providers, to support operational efficiency and fraud prevention.
• Foster a culture of collaboration and continuous improvement within the team.
• Participate in cross-functional meetings and initiatives to enhance overall business performance.
• Lead, mentor, and develop a high-performing operations and fraud management team.
• Set performance goals, provide regular feedback, and support professional development opportunities.
• Foster a culture of innovation, accountability, and continuous improvement within the team.
• Ensure that the team is equipped with the necessary skills and knowledge to deliver on business objectives.

Skills And Experience

• 12-15 years of experience in operations, fraud management, or a related role within the banking or financial services sector.
• Bachelor’s degree in Finance, Business Administration, or a related field.
• Certifications in Fraud Management, Operational Risk, or related fields are a plus.
• Strong understanding of card operations, fraud prevention strategies, and regulatory compliance.
• Experience in managing large-scale operations and leading cross-functional teams.
• Excellent communication and analytical skills, with the ability to interpret data and make informed decisions.
• Strong problem-solving abilities, particularly in the areas of operational efficiency and fraud risk management.
• Attention to detail and a commitment to maintaining high standards of operational and risk management.
• There’s never been a better time to join Emirates NBD.
• We’re one of the region’s most recognisable brands.
• We’re banking innovation leaders.
• We’re growing across both the UAE and our global offices.
• We offer a huge range of professional development opportunities to accelerate your career.
• It also goes without saying that we provide extremely competitive rewards, benefits and perks too, like our flexible work policy so you can work from home whenever it suits.
• At ENBD, we encourage interested candidates to review the key responsibilities and qualifications for each role and apply for positions that match their skills and capabilities.