Card Fraud Forensic Investigator Job Equity Bank
Banking Jobs, Equity Afia Jobs.
The Role Purpose
The Fraud Investigations Manager will play a crucial role in conducting thorough investigations into potentially fraudulent card and merchant activities, suspicious transactions and compliance breaches, to safeguard the integrity of the Bank and to mitigate risks.
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The Key Responsibilities
Card Fraud Investigations
- Conduct end-to-end forensic investigations of card fraud cases, including debit, credit, and prepaid card transactions.
- Analyze transaction data to identify fraud typologies, trends, and root causes.
- Review card authorization logs, merchant data, chargebacks, and customer activity to establish fraud events and timelines.
- Identify control weaknesses, system vulnerabilities, and process gaps contributing to card fraud incidents.
- Prepare detailed investigation reports with clear findings, loss assessments, and actionable recommendations.
- Support chargeback management and dispute resolution processes in line with card scheme rules (e.g., Visa, Mastercard, AmEx, China Union Pay).
Risk Management & Control Framework
- Identify emerging fraud typologies and vulnerabilities impacting card portfolios.
- Recommend and implement process, control, and policy enhancements to reduce fraud exposure.
- Ensure effective escalation and reporting of material fraud risks and incidents.
- Collaborate with Fraud Risk, Cybersecurity, IT, Operations, and Compliance teams to enhance card fraud detection and prevention.
- Liaise with law enforcement agencies, card schemes, and external stakeholders when required.
- Monitor emerging card fraud trends and recommend enhancements to detection rules, controls, and customer awareness initiatives.
- Ensure investigations are conducted in compliance with regulatory requirements, internal policies, and data protection standards.
Stakeholder & Governance Engagement
- Partner with internal stakeholders including Card Operations, Customer experience, Compliance, Legal, and Risk.
- Engage with external stakeholders such as card schemes, merchants, acquiring banks, and law enforcement where required.
- Contribute to fraud governance forums and risk committees.
Data Analytics, Management Information & Continuous Improvement
- Analyze fraud trends, losses, and investigation outcomes for management information.
- Produce regular reporting for senior management and risk committees.
- Drive continuous improvement through automation, tooling enhancements, and process optimization.
Compliance & Governance
- Manage complaint escalations relating to card fraud investigations and outcomes.
- Support internal and external audits, regulatory reviews, and card-scheme assessments
- Ensure adherence to internal policies, regulatory guidelines, and industry best practices.
- Lead audits (internal/external), risk assessments, and compliance reviews related to card and merchant fraud.
Leadership & Stakeholder Management
- Lead, coach, and develop card fraud investigators and card analysts.
- Promote a strong risk-aware and customer-focused culture within the team.
- Maintain high investigation quality standards through regular case reviews and quality assurance frameworks.
Qualifications
Experience Requirement:
- 5 years’ experience in card fraud investigation, financial crime, forensic analysis, or fraud risk management within a bank, fintech, payment service provider, or card processing environment.
- Proven hands-on experience investigating debit, credit, and prepaid card fraud, including card-present and card-not-present fraud typologies.
- Demonstrated experience conducting end-to-end forensic investigations, including transaction analysis, root cause determination, and loss quantification.
- Experience working with fraud monitoring systems, card management platforms, transaction monitoring tools, and data analytics solutions.
- Working knowledge of regulatory requirements, internal controls, and card scheme compliance standards relevant to fraud investigations.
- Experience collaborating with internal stakeholders (Fraud Risk, Operations, IT, Compliance) and, where applicable, engaging with law enforcement and external partners.
- Strong experience preparing clear, accurate investigation reports for management, audit, and regulatory purposes.
Academic Qualifications & Certifications
- Bachelor’s degree in finance, Accounting, Information Systems, Criminology, or a related field
- Over 5 years’ experience in card fraud investigations, forensics, or financial crime
- Professional certifications such as CFE, CAMS will be an added advantage.
- Experience within banking, financial services, or payment service providers preferred.
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