Role Summary
This role sits in the Group 2nd Line of Defence, providing fraud risk governance, oversight, and strategic direction across all business units and markets. You will drive the development of the Group FWA framework, raise fraud-related standards, and enable local market fraud SMEs to execute consistently under a unified strategy. This is not an investigations or operational role it is a governance, policy, analytics, and oversight-driven function.
Key Responsibilities
Group Strategy & Frameworks
- Lead development and enhancement of the Group FWA strategy, policies, standards, and minimum controls.
- Align fraud risk strategy with regulatory expectations and group-wide business objectives.
- Maintain and champion the Group FWA Framework across all markets.
2LoD Oversight & Governance
- Oversee fraud risk assessments, thematic reviews, and control testing across agency, claims, procurement, distribution, and internal operations.
- Review and challenge 1LoD and local fraud SME outputs, action plans, and controls.
- Ensure consistent implementation of global standards across markets.
Fraud Intelligence, Analytics & Reporting
- Lead Group-level fraud MI, trend analysis, dashboards, and reporting for senior leadership and governance committees.
- Monitor emerging fraud typologies and recommend proactive mitigation steps.
- Oversee adoption of analytics, AI, and machine-learning techniques for fraud detection.
Stakeholder Management
- Support business units on remediation of complex fraud issues.
- Partner with Compliance, Risk, Internal Audit, and Group Health to ensure cohesive oversight.
- Prepare Board/EXCO papers, governance updates, and regulatory submissions.
Culture & Capability Building
- Drive FWA awareness across the organisation.
- Develop and deliver targeted training for business units and fraud SMEs.
- Influence and reinforce a culture of integrity, ethical conduct, and accountability.
Requirements
Must-Have:
- Strong 2LoD experience (Group or Regional level preferred).
- Proven expertise in fraud risk governance, policy, frameworks, or enterprise-level oversight.
- Experience reviewing and challenging business units on their fraud risks and controls.
- Strong analytical capability fraud MI, dashboards, thematic reporting.
- Excellent written English (able to write Board-level documents).
- SME in at least two fraud domains: healthcare, agency, procurement, claims, distribution, internal fraud.
Preferred:
- Experience in insurance or financial services.
- Exposure to data-driven fraud detection tools and modern analytics.
- Prior involvement in Group-level transformation or standardization projects.
- Ability to operate independently with minimal supervision.
