As a Senior Fraud Specialist, you will be responsible for protecting DKV and its customers against fraud-related risks by investigating complex fraud cases, identifying vulnerabilities, and implementing effective preventive measures. You will act as a subject matter expert, driving continuous improvements to fraud prevention controls, monitoring tools, and investigation processes while collaborating with internal and external stakeholders.
Main Responsibilities:
- Investigate complex fraud cases, identify fraud patterns, determine root causes, and assess financial impact
- Define and enforce fraud prevention policies, controls, and procedures aimed at minimizing fraud-related risks and losses
- Monitor and analyze suspicious transactions, fraud trends, fraud volumes, and associated costs to proactively identify emerging risks
- Identify and assess vulnerabilities, weaknesses, and fraud exposure across processes, products, and customer activities.
- Recommend and implement corrective actions, preventive measures, and process improvements to strengthen fraud prevention capabilities
- Evaluate fraud-related losses and determine appropriate actions to minimize financial impact for both customers and DKV
- Optimize and enhance fraud monitoring rules, restrictions, and plausibility checks within fraud prevention tools and systems
- Implement findings and insights derived from investigations and analyses to reduce fraud-related losses and improve detection mechanisms
- Develop and maintain effective countermeasures aimed at mitigating financial, operational, reputational, and brand-related risks
- Suspend and block customers, authorization instruments, and related entities in cases of suspected fraud according to delegated authority
- Review and validate customer charges resulting from fraud cases and initiate corrective actions where applicable
- Collaborate and communicate with customers, suppliers, legal counsel, law enforcement authorities, Compliance, Audit, and other internal stakeholders
- Prepare and support criminal complaints, legal proceedings, and prosecution activities related to fraud investigations
- Provide guidance and expertise to team members and act as a Subject Matter Expert for fraud prevention topics
- Prepare and present reports, analyses, recommendations, and management information related to fraud performance, risks, and improvement initiatives
- Perform administrative and operational activities required to support fraud prevention and investigation processes
