Anti-fraud Governance and Risk management Officer

Anti-fraud Governance and Risk Management Officer

HALA is a leading fintech player in the MENAP region that aims to redefine financial services and build the future bank of SMEs. HALA empowers SMEs to start, run, and grow their businesses by providing cutting‑edge financial and technological tools.

• Recommend and implement the fraud data framework, ensuring identification of data and information sources to strengthen fraud analytics and anti‑fraud technology capabilities (e.g., customer access logs, geo‑location, device , other identifiers).
• Perform predictive and behavioral analytics and recommend controls for pre‑emptive strikes on customers or behaviors indicative of fraud.
• Identify risk indicators and predictive variables to improve fraud rules and model performance.
• Implement and monitor an anti‑fraud strategy roadmap covering governance, people, process, roadmap and technology.
• Articulate and update the policy and procedures of the anti‑fraud department and ensure compliance with the SAMA anti‑fraud framework and best practices.
• Establish the fraud risk appetite with associated thresholds and limits that address the impact on fraud losses, reputation and customer experience.
• Develop, monitor, adjust and reprioritize the anti‑fraud department budget to ensure it remains operational.
• Monitor, prepare and update the anti‑fraud KPIs and KRIs for management periodic reporting.
• Articulate and update the fraud risk assessment methodology, risk assessment standards, risk analysis, risk evaluation and risk treatment in the anti‑fraud policy.
• Define the anti‑fraud cross‑functional units’ roles, tasks and deliverables; assign a RACI matrix and share with relevant teams and stakeholders.
• Define and communicate operational level agreements (OLAs) and service level agreements (SLAs) with related departments within and outside HALA.
• Prepare board and management presentations on anti‑fraud progress and updates.
• Prepare SAMA reporting and tracking pack creation (daily, weekly, monthly).
• Perform ad‑hoc board, management and SAMA reporting on fraud statistics.
• Execute deep‑dive analysis on emerging trends, risks and actions.
• Monitor, track and report the anti‑fraud KPIs and KRIs.
• Review and respond to fraud circulars, guidelines and instructions.
• Support compliance department’s engagement with SAMA on anti‑fraud.
• Support with SAMA presentations, key actions and ad‑hoc SAMA requests.

• Inclusive and diverse culture that encourages innovation and flexibility in remote, in‑office, and hybrid work setups.
• Highly competitive compensation packages, including the potential for shares.
• Personal development opportunities with regular training and an annual learning stipend.
• Opportunity to work with a talented team of over 30 nationalities across 7 countries.
• Autonomy, mentoring, and challenging goals that create incredible opportunities for both employee and company.
• Significant responsibility and trust to make the best results.

Mid‑Senior level

Full‑time

Finance and Sales

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Riyadh, Saudi Arabia