Authorization and Fraud Consultant
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Key skills for this role
About the Role
Career Maker seeks an experienced Authorization and Fraud Consultant with 10-12 years in cards issuing, fraud risk, and authorization management. The role involves optimizing authorization strategies, analyzing declines, collaborating with fraud teams, and reporting on KPIs.
Key Skills for This Role
Responsibilities
- 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
Requirements
- Mandatory: Worked in a bank and has good understanding of cards business, authorization and fraud systems
- 10 12 years of experience in cards issuing, fraud risk, and authorization management
- Strong understanding of credit cards issuing business lifecycle
- Proven experience managing authorization strategies and fraud controls in issuing environments
- Familiarity with fraud and auth platforms
- Ability to translate analytics into actionable portfolio level interventions
- Experience working closely with cards business teams
- Strong stakeholder management across risk, fraud, and cards portfolio teams
- Awareness of SAMA regulations around fraud reporting & liability
- Experience in local market fraud trends (KSA/GCC)
- Understanding of compliance vs business trade offs
Full Job Posting
Requirements
- Mandatory: Worked in a bank and has good understanding of cards business, authorization and fraud systems
- 10–12 years of experience in cards issuing, fraud risk, and authorization management
- Strong understanding of credit cards issuing business lifecycle (activation, usage, retention, spend growth)
- Proven experience managing authorization strategies and fraud controls in issuing environments
- Familiarity with fraud and auth platforms
- Ability to translate analytics into actionable portfolio level interventions
- Experience working closely with cards business teams (not just acquisition/sales)
- Strong stakeholder management across risk, fraud, and cards portfolio teams
- Awareness of SAMA regulations around fraud reporting & liability
- Experience in local market fraud trends (KSA/GCC)
- Understanding of compliance vs business trade offs
- Relevant: 10 12 years of experience in fraud
Responsibilities
- 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
Pay
- SAR 30,000.00 SAR 40,000.00 per month
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