The responsibility for Fraud Risk Management is within the functional remit of the First Line of Defence and has been established as an enduring Global Wholesale Fraud Risk Management function. The purpose is to support the frontline in identifying potential lending fraud (e.g. financial statement misrepresentation, loan abuse) earlier in the credit lifecycle and to make informed risk decisions.
We are currently seeking an experienced individual for the role of Regional Lending Fraud Specialist GCB5.
The role holder will work closely with regional, global fraud teams, CoE, the front line and WMCR, and will be responsible for execute the Fraud Risk Assessment (FRA) process for Wholesale customers (CMB & GB).
• Act as the subject matter expert for lending Fraud Risk and contribute in highlighting common issues, risks and best practice by working with the frontline, WMCR and Global Wholesale Fraud teams (1LOD & 2LOD).
• Perform high quality lending fraud risk analysis for selected New to Bank (NTB) and existing CMB and GB customers in line with the global procedures.
• Coordination of their respective offshore teams and communications within region (acting as the point of contact for RMs on lending fraud matters).
• Manage / execute Lending Fraud Risk assessments and provide input to calibrate forthcoming revisions to the risk control environment (i.e. taxonomies, indicators, controls, metrics) in conjunction with the Chief Control Office (CCO)
• Supervise the output from the offshore Lending Fraud Specialist teams. This includes identifying and resolving issues, providing subject matter expertise, undertaking quality reviews and prioritising activities.
• Providing feedback into the calibration of trigger events typologies & prioritisation.
• Attending and/or leading 1LOD Triage Consultation meetings and Triage of Threat Meetings under the Global and Local Playbooks.
• Undertake quality assurance of closed triggers, applying critical thinking and judgement when escalating concerns as appropriate.
• Act as the regional point of contact for the frontline on lending fraud matters, strengthening critical thinking through ongoing feedback on fraud risk assessments
• Collaborate with and support (where required) other Regional/Country Lending Fraud Specialist Lead and their respective offshore Lending Fraud Specialists
• Support the offshore Lending Fraud Specialist team through subject matter expertise and the identification and delivery of training.
• Provide regular updates and present to regional and global governance forums.
• Influence and promote effective control management of fraud risks
• Supervise the output from the 1LOD Teams Regionally. Identifying process/procedural improvements and sharing best practice.
• Collaborate with and support (where required) other regions' Lending Fraud Specialist Leads and their respective offshore Lending Fraud Specialists.
• Identify and champion training/development opportunities for colleagues within the first line of defence.
• Support achievement of the HSBC vision, values, goals and culture in personal behaviour, actions and decision making.
• Drive a more proactive risk management framework through enhanced assessment, reporting and analytics.
• An ability to use data to identify global/regional process improvement opportunities, alongside identifying and championing training/development opportunities for colleagues within a new offshore team.
• Be dynamic and positive to embrace increasing change in internal and external fraud environment.
• To proactively safeguard and ensure the highest standard of compliance and Fraud risk management across Global Banking and Commercial Banking, whilst being sufficiently adaptable to take consideration of business needs
• To provide support and subject matter expertise to colleagues in the management of fraud risk.
• To possess strong influencing, interpersonal and communication skills to work with various internal partners, across multiple departments, to challenge cognitive bias and reach common goals.
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