QNB- Associate Card Risk - Issuing; Qatarization

Job Summary

The incumbent will be primarily responsible for monitoring the risk with respect to the Group’s card portfolio (credit / debit / prepaid) with the objective of minimizing card losses by taking timely corrective or remedial actions. He/she will utilize proprietary and third‑party systems to monitor suspicious or unusual customer card payment activity to minimize fraud losses perpetrated by and against QNB customers.

In addition, the incumbent will work closely with external customers and internal teams, providing oversight and guidance in relation to Card Risk Issuing.

• Shareholder & Financial:
  Analyze card usage trends by merchant, channel, country, product, etc. to identify, monitor and manage the fraud risk of the Group’s card business and take the necessary corrective action on a timely basis to minimize card fraud losses in line with Group fraud risk appetite. Implement KPI’s and best practices for Card Risk (Issuing). Promote cost consciousness, efficiency and productivity to minimise cost, avoid waste and optimise benefits for the bank.
  
  Act within the limits of the powers delegated to the incumbent.
• Customer (Internal & External):
  Liaise with Group ITD on issues pertaining to enhancements in card systems (core‑banking, authorization and card monitoring tools) to enable better risk management. Communicate with VISA, Master Card, American Express and other card schemes on specific fraud issues as required. Review transaction acceptance performance, fraud controls and rule configurations to reduce excessive fraud levels. Respond to queries regarding unrecognised or suspicious card transactions.
  
  Liaise with domestic Group divisions and departments to identify potential fraud risk exposure, aiming to minimise, prevent and remediate losses to customers and the organisation. Assist customers in queries on the bank’s products and seek solutions. Maintain activities in line with Service Level Agreements (SLAs) to improve turnaround time. Build and maintain strong, effective relationships with related departments to achieve the Group’s objectives.
  
  Provide timely and accurate data to external and internal auditors, compliance, financial control and risk when required.
• Internal (Processes, Products, Regulatory):
  Ensure the appropriateness of card risk‑engine rules (credit/debit/prepaid/contactless), making changes to rule configuration in light of emerging fraud trends. Ensure appropriate fraud reporting on issuing fraud, identifying common patterns and trends. Resolve all customer complaint cases related to fraudulent card use in a timely manner in conjunction with relevant business and operations departments. Analyse card portfolio usage reports regularly to facilitate periodic reviews of usage‑limit consistency.
  
  Attend to and resolve suspicious card transactions notified by call centre personnel or branch customer service staff promptly. Assist internal and external auditors with investigations of card fraud incidents. Report card fraud cases on a timely basis as mandated by relevant payment systems and local regulatory authorities (e.g. QCB).
• Learning & Knowledge:
  Possess good knowledge of the risk involved in all card products and merchant payment channels, and related operations, controls and regulatory framework. Identify areas for professional development and undertake relevant activities to stay current with developments in the field.
• Legal, Regulatory, and Risk Framework Responsibilities:
  Comply with all applicable legal, regulatory and internal compliance requirements, including Group Compliance Policies and Procedures (AML & CTF, Sanctions, Data Protection, Fraud Control, Whistle‑blowing, Conflict of Interest, Insider Dealing). Perform the role under the Three Lines of Defence principle to identify, monitor, manage and report risks. Ensure systematic good outcomes for clients in accordance with Conduct Risk policy. Support the RCSA, KRI, incident reporting and remediation framework in line with Operational Risk Management requirements.
  
  Maintain appropriate knowledge to qualify for the role. Complete mandatory training and maintain required competency levels. Attend seminars as instructed.
• Other:
  Ensure high standards of data protection and confidentiality to safeguard commercially sensitive information. Maintain utmost confidentiality regarding customer and internal bank information. Uphold QNB’s reputation and strengthen its market leadership. Perform ad‑hoc duties and activities requested by management from time to time.

• University Bachelor’s Degree graduate, preferably in Marketing, Banking, Finance, Accounting, Economics, Business Administration or Information Technology (or related field).
• At least 6 years of relevant experience, preferably within a highly rated international bank.