Transactional & Internal Fraud Lead
About Us
We are TBC Uzbekistan, the digital financial services ecosystem powering some of the Uzbekistans most innovative financial experiences. With 4,000+ team members, representing 28+ nationalities, we reach 22+ million users with products that make every day financial life simpler, smarter, and more accessible. Our ecosystem provides a leading digital banking offering in the region and includes TBC Bank Uzbekistan, one of the country’s largest digital banks; TBC Business – empowering entrepreneurs and SMEs; payme, one of Uzbekistan’s most popular payment apps; TBC Nasiya, a fast-growing credit installment business; BILLZ, a retail platform for SMEs and TBC Sug‘urta, a new generation of digital insurance.
Your Role in the Team
Fraud Strategy
Define and lead the fraud strategy, systems roadmap and policy framework across all business lines, adapting controls to each line's distinct fraud vectors and risk profile.
Partner with Compliance/AML, Product, Engineering and business leaders to embed fraud controls into new products from design through launch; advise Product and Operations on fraud risks in new launches and expansions.
Develop and optimise fraud prevention strategies that balance customer experience with loss mitigation.
Fraud Analytics & Intelligence
Monitor fraud risk throughout the customer lifecycle to provide timely detection of emerging patterns in criminal activity.
Analyse fraudster profiles and the types of fraud being encountered (synthetic identities, money mules, etc.).
Fraud Controls & Prevention
Develop and maintain fraud policies, typology libraries, detection rules and risk appetite thresholds; ensure they stay current against emerging fraud trends and are consistently applied across product lines.
Build and report a consolidated set of fraud KPIs and metrics (loss rates, detection/false-positive rates, etc.) for Executive Management and escalate material fraud risks or significant incidents as needed.
Maintain oversight of outsourced and insourced fraud controls, ensuring SLAs are met and controls are effective via targeted testing.
Fraud Incident Management & Response
Set fraud incident management, escalation, response, notification and case handling standards.
Ensure root cause analysis, lessons learned and external stakeholder engagement are completed for material fraud incidents.
Governance
Act as the senior fraud subject matter expert for regulators, auditors, external assessors and senior stakeholders.
Anticipate regulatory developments and ensure the fraud framework, methodologies and controls withstand audit and regulatory scrutiny.
Manage the relationship with third-party fraud vendors, holding them accountable to performance, detection efficacy and service-level commitments.
Build strategic relationships with industry bodies, intelligence-sharing forums and peer organisations.
Leadership & Capability Development
Build, mentor and lead a fraud team (analysts, investigators and/or fraud engineers) as the function scales.
Requirements
5–7+ years of experience in fraud prevention, fraud product management, fraud strategy, identity and authentication, digital risk, cybersecurity or related disciplines, including at least 2 years of directly leading and developing high-performing teams.
Hands-on experience with fraud decisioning, risk orchestration, identity verification, authentication, device intelligence, behavioural risk and fraud prevention technologies.
Deep knowledge of fraud typologies — account takeover, identity fraud, synthetic identity, payments fraud, social engineering, insider-enabled fraud and emerging threats — and of layered fraud prevention strategies.
Experience defining, implementing and optimising fraud controls, rules, thresholds, risk signals and automated decision strategies, and assessing fraud risks of new products and customer journeys.
Analytical rigour: exceptional ability to work with large datasets; comfortable defining, tracking and optimising complex risk metrics (e.g. recall, precision, approval rates). Proficiency in SQL, Python, R, Power BI.
Extensive knowledge of processing operations, controls and all processing phases.
Strong strategic-thinking and problem-solving skills, with the ability to translate fraud risks and business requirements into technology solutions and measurable business outcomes.
Excellent communication and stakeholder-management skills, with the ability to engage technical and non-technical stakeholders across all organisational levels.
What’s In it for you?
💰 Compensation & Rewards
Competitive salary & annual KPI bonus
Corporate discounts and special offers from partner companies
🌟 Flexibility & Time Off
Hybrid work model - you will get 24 Days annually to work from anywhere
27 calendar days of annual vacation
Birthday Day Off for every team member and 2 childcare days for parents
Flexible working hours with two options: 09:00–18:00 or 10:00–19:00
❤️ Wellbeing & Growth
Fresh fruits in the office and seasonal treats throughout the year
Access to Udemy and our internal learning platform with 1,600+ courses
Professional training and workshops to strengthen both technical and soft skills
🎉 Community & Culture
Team events & gatherings, celebrations, championships, and wellness initiatives that keep our community active and connected
Sports clubs including yoga, football, and basketball
Join us and help transform how millions experience finances across Central Asia. The future is waiting - are you ready to make an impact?