Authorisation & Fraud Consultant

Job description

Support the Credit Cards business by optimizing authorization performance, fraud controls, and portfolio health, balancing customer experience (approval rates) and risk management (fraud prevention). Develop 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 while maintaining risk thresholds. Analyze authorization declines to reduce false declines and enhance customer experience. Collaborate with fraud and risk teams to optimize fraud rules without impacting genuine approvals. Monitor and report key issuing KPIs such as approval, decline, fraud rates and portfolio performance. Provide data-driven insights to support decision-making across cards, risk, and operations. Enhance reporting dashboards focusing on authorization performance and fraud trends. Act as interface between the employer and issuer stakeholders ensuring alignment. Support implementation of authorization and fraud optimization use cases. Establish governance cadence with stakeholders to track performance and enhancements. Coordinate with the employer teams to incorporate best practices and global insights. Ensure knowledge transfer and capability building within the bank's cards and fraud teams.

Requirements

• 10–12 years of experience in cards issuing, fraud risk, and authorization management
• familiarity with fraud and auth platforms
• ability to translate analytics into actionable portfolio-level interventions
• experience with local market fraud trends (KSA/GCC)
• worked in a bank with good understanding of cards business, authorization and fraud systems
• awareness of SAMA regulations on fraud reporting and liability
• understanding of compliance vs business trade‑offs
• strong stakeholder management across risk, fraud and cards portfolio teams

Skills