Job Description

Roles & Responsibilities

1. Anti-Fraud Governance

Design and implement a unified fraud governance framework across multiple licenses:
- BNPL (Finance Companies Regulation)
- Stored Value Facilities (wallets)
- Retail Payment Services (transfers)
Ensure compliance with relevant UAE regulations, including:
- Decree-Law No. 6/2025
- CBUAE authentication requirements (May 2025)
Establish product-specific SOPs, escalation processes, and controls within a single framework
Integrate fraud prevention with AML/CFT requirements (incl. STR/SAR filing via goAML within 24h)
Maintain audit readiness across all products, including clear audit trails

2. Fraud Risk Assessment (UAE Market)

Identify and manage cross-product fraud typologies, including:
- BNPL: synthetic identity, first-party fraud, merchant collusion
- Wallet: account takeover (ATO), unauthorized top-ups
- Transfers: money mules, structuring, sanctions evasion
Detect and mitigate cross-product fraud patterns (e.g. wallet BNPL transfer layering)
Monitor remittance risks across key corridors (India, Pakistan, Philippines, Bangladesh), including:
- FATF exposure
- Structuring below EDD thresholds
- Correspondent banking risks
Implement advanced monitoring strategies, leveraging signal correlation across products
Assess expat population risks, including:
- Visa expiry tracking
- Exit risk scoring
- Employment verification
- Seasonal trends (e.g. Ramadan, summer)
Stay ahead of emerging threats, such as:
- Deepfake KYC bypass
- AI-generated document fraud
- Fraud-as-a-service models
- Social media-driven mule recruitment

3. Law Enforcement & Regulatory Collaboration

Manage relationships and cooperation with UAE authorities:
- Dubai Police eCrime
- Abu Dhabi Aman
- Federal Prosecution
Lead fraud case escalation, including complaint filing and evidence preparation
Apply appropriate legal frameworks:
- Cybercrime Law (Decree-Law 34/2021)
- AML Law (Decree-Law 10/2025)
Support fraud recovery actions, including:
- Travel bans
- Account freezes
- Asset seizure

Desired Candidate Profile

5+ years of experience in fraud prevention, with at least 2 years in UAE/GCC fintech or payments
Experience across at least 2 of the following:
BNPL / lending
Digital wallets
Money transfers / remittances
Strong experience with CBUAE regulations (licensing, audits, or framework implementation)
Proven experience working with UAE law enforcement authorities
Fluent in English (Arabic is a strong advantage)

Manager, Anti-Fraud tabby