Fraud Data Analyst

Careers – join our teams 150+ employees We believe the key to our success has been our commitment to bringing on the best people who share our vision. If you feel that your skills and attitude match our requirements and you want to join a fast‑growing and dynamic company, please send your application by using the application form.

Location The Emporium, C De Brocktorff Street, Msida, MSD 1421, Malta Hours per week 40 hours Education level Higher Education

We are seeking an experienced analyst, with a technical background, to shape all aspects of fraud strategy. Responsible for building fraud prevention data for our credit card portfolio. Developing an infrastructure of data, reporting & analytics, to underpin fraud optimisation & support product growth.

• Take ownership of fraud at both customer acquisition and customer management stages. Including cut‑off setting, initial‑line‑assignment, affordability, authorisation & line management (increase/ decrease) programs.
• Accountable for leading ad hoc and regular analytics on key risk indicators; tracking variance to plan and informing above noted strategy setting.
• Develop an improved management information suite, covering risk appetite. With a dynamic capability to review live tests and interrogate trends.
• Manage the credit risk messaging across the bank; opportunity to discuss on‑going performance and propose value‑add strategies to bank committee(s).
• Work closely with various bank teams, including Finance, Operations and Decision Science areas.
• Generate enhanced documentation outlining credit risk processes, including consideration of (changing) regulatory standard.
• Input into Collections & Recoveries, and Fraud strategies.
• Facilitate growth plans by delivering effective & timely fraud solutions, with consideration of continuous improvement and customer experience.

• 1+ years’ experience within an analytical role (Credit & Financial Services is preferred but not required).
• Bachelor’s or Master’s degree in a quantitative/ numerical discipline.
• Problem solving and analytical (useful: SAS/ SQL/ Python or similar).
• Data visualization and dashboarding (useful: Tableau/ Power BI).
• Exceptional communication and organisation skills.
• Ability to manage time and prioritise work while handling multiple tasks simultaneously.
• Pro‑active outlook and desire to innovate.
• Experience with credit cards or other retail lending products (e.g. loans, current accounts or mortgages) is preferred.

• Fluent (written and spoken) in English and German.
• Previous experience in chargeback management, fraud analysis or a related field is considered an asset.
• Familiar with the financial services industry, specifically in areas related to credit card processing, banking, or eCommerce.
• An understanding of payment processing systems, chargeback regulations, and fraud prevention tools.
• Understand the regulatory framework surrounding chargebacks and dispute resolution.

Being open to different points of view is important for our business and the communities we serve. At Novum Bank, we’re dedicated to creating diverse and inclusive workplaces. Our Recruitment Processes are accessible to everyone – no matter their gender, ethnicity, disability, religion, sexual orientation, or age.