ONMO este un furnizor britanic de carduri de credit, axat pe sprijinirea oamenilor în luarea unor decizii financiare bine informate. Abordarea sa îmbină informații financiare mai clare cu tehnologia și inteligența datelor. Compania își construiește o echipă care să susțină activitatea sa în domeniul creditului de consum.
Fraud and Financial Crime Officer – ONMO (Hybrid, UK)
Investigate fraud and financial crime referrals involving applications and active accounts at ONMO. Review AML and screening cases, document decisions, and help strengthen controls.
Descriere
- Handle fraud and financial crime referrals for applications and active accounts under ONMO standards, playbooks, and service levels.
- Review onboarding referrals, including biometric checks, identity concerns, device-risk indicators, adverse fraud indicators, and fraud or AML flags.
- Screen for potential PEP, sanctions, adverse media, and fraud database matches, escalating confirmed or higher-risk matches.
- Use industry prevention and mitigation tools and systems to inform investigations and decisions.
- Investigate potential fraud and financial crime concerns objectively, fairly, and promptly.
- Write complete, concise, audit-ready case notes covering checks, evidence, decisions, and rationale.
- Spot and escalate unusual patterns, recurring indicators, process gaps, and emerging fraud typologies.
- Reduce fraud losses, customer harm, and operational risk; promptly escalate urgent or high-risk cases.
- Support account reviews, first-party fraud reviews, account takeover investigations, disputes and chargeback triage, and reporting.
- Collaborate with Compliance, Customer Operations, and Credit Risk colleagues.
- Contribute to improvements in fraud and financial crime procedures and controls.
- Identify and report risk events, follow SMCR processes, complete required training, support policy governance, and comply with FCA Conduct Rules.
Cerințe
- Experience handling complex casework, such as complaints, disputes, or underwriting; general customer service experience alone is insufficient.
- Hands-on experience in fraud, AML, or financial crime operations is preferred, including managing cases, alerts, referrals, screening matches, or investigations.
- A financial services background is strongly preferred, ideally in banking, fintech, credit cards, lending, payments, a regulated financial institution, or an outsourced team supporting fraud or AML operations.
- Strong written English and the ability to produce clear, professional, audit-ready notes.
- Good spoken English for training, asking questions, explaining decisions, and escalating concerns.
- Attention to detail, curiosity, persistence, and an investigative mindset.
- Understanding of, or strong interest in, fraud and financial crime risks, including identity fraud, first-party fraud, misuse of facility, account takeover, money mule indicators, sanctions, PEP and adverse media screening, and common application fraud indicators.
- Ability to follow SMCR processes, FCA Conduct Rules, relevant regulatory rules, and mandatory training requirements.
Beneficii
- No benefits specified.