Head Anti-Fraud & Financial Crime

Company Description

Building the bank of tomorrow takes more than skills. 
It means combining our differences to imagine, discuss, code, develop, test, learn… and celebrate every step together. Share our vibes? Join Swissquote to unleash your potential.

We are the Swiss Leader in Online Banking and we provide trading, investing and banking services to +500’000 clients, through our performant and secured digital platforms.

Our +1000 employees work in a flexible way, without dress code and in multicultural teams. 
By having a huge impact on the industry, they are growing their skills portfolio and boosting their career in a fast-pace environment.

We are all in at Swissquote. As an equal opportunity employer, we welcome candidates from all backgrounds, experiences and perspectives to join our team and contribute to our shared success.

Are you all in? Don’t be shy, apply!

Job Description

Team management

• Creating a motivating, productive, and safe environment by:
  • Fostering a positive work atmosphere where employees feel motivated, valued, and connected to the team and the organization.
  • Promoting collaboration, trust, and cohesion among team members.
  • Ensuring the vision and objectives are clear, and everyone understands how to contribute to the team's success.
  • Addressing any potential conflicts among team members and facilitating resolution in a fair and constructive manner.
  • Supporting employee growth through training, mentorship, coaching, and advancement opportunities.
  • Ensuring new hires are properly introduced to the team, the organization, its culture, policies, and their specific roles.
  • Ensuring fair compensation and promotions.
• Performance Management: Setting performance expectations, providing feedback, conducting performance reviews, and addressing any performance issues.
• Succession Planning: Identifying and developing key talent to ensure continuity and readiness for other key positions within the team or the organization.
• Talent Development and Retention: Contributing to the creation of motivating career paths and skills development programs, and providing creative solutions to retain talent.
• Managing all main HR processes and guiding your Ads in dealing with it (hiring, termination, transfers, warnings).

Operations management

You will be in charge of:

• Contributing to define, develop and implement the global Anti-Fraud and FinCrime Strategies of the Bank.
• Proactively engaging with First line product and services stakeholders to advise on the design of systems, controls and risks pertaining to financial crime.
• Escalating and providing feedback to identified risks and issues to Senior Management and C-level.
• Cooperating with C-level management in defining Group standards to managing financial crime risks and making sure that they applied across the Bank / Validating that systems and controls adequately address financial crime related risks.
• Providing input to design and execution of financial crime solutions, controls monitoring and testing programs.
• Coordinate the implementation of technical measures (e.g. implementation of corresponding additional scenarios in the monitoring) and process-related measures, where appropriate with third-party service providers.
• Providing input to training materials for employees and define in collaboration with our Marketing Team all the Customer Anti-fraud communication & materials.
• Tracking the related Regulatory changes and ensuring we are compliant with it.
• Monitor, identify, analyze and anticipate (i) general trends, (ii) root causes, (iii) the outcome of alerts, investigations and MROS reports as well as, more generally, (iv) problematic behaviours within SQB’s clientele with a view to strengthen on an ongoing basis SQB’s monitoring capabilities in the field of ML, TF and frauds (especially frauds committed by SQB's clients to the detriment of third parties).
• Make corresponding recommendations to the Compliance Department in relation to the implementation of technical, process-related or commercial measures.

His operational objectives is to contribute to the different Anti-Fraud Pillars of Swissquote:

• Fraud Scoring
  • Use machine learning algorithms to detect anomalies and identify high-risk customers in real time.
  • Enhance fraud prevention through dynamic risk profiling, ensuring legitimate users experience minimal friction while suspicious activities are flagged.
• Back-End Platforms & Internal Tools
  • Maintain or deploy AI-driven fraud detection tools like NetGuardians or others external solutions to monitor transactions and detect fraud patterns.
  • Strengthen internal fraud monitoring systems by integrating cross-channel alerts and risk signals.
  • Automate fraud detection workflows to enhance the efficiency of fraud analysts and investigation teams.
•  Front-End Client Platform & Customer Experience             
  • Facilitate customer risk appetite features to allow users to customize security preferences.
  • Enhance and strenghten in-app security measures, including for ex.:
    • Geolocation tracking for fraud detection.
    • Device fingerprinting to prevent unauthorized access.
    • Behavioral biometrics to detect suspicious user activity.
    • Onboarding ID document validation (fake ID prevention).
  • Contribute to the Chargeback and Dispute in-app integration Project.
  • Strengthen two-factor authentication (2FA) and biometric verification to secure digital interactions.
• Card Transaction Monitoring
  • Enable dynamic rule adjustments based on spending patterns, location, and merchant types.
  • Integrate adaptive authentication mechanisms to challenge high-risk transactions while maintaining seamless customer experience.
• Payment Transaction Monitoring                         
  • Deploy real-time payment screening across multiple payment channels (SEPA, SWIFT, instant payments, crypto transactions).
  • Implement AI-driven anomaly detection models to identify fraudulent transfers.
  • Enhance fraud detection by incorporating network analytics, linking related fraud cases across different accounts.
• Threat Intelligence Leveraging OpenCTI                       
  • Collaborate to develop Thread Intelligence with IT Info Security Team to use OpenCTI to analyze, correlate, and validate cyber threats related to fraudulent activities.
  • Continuously monitor the Group’s brand and key employees for abuse, phishing, and other attack techniques, ensuring systematic monitoring and takedown actions.
  • Integrate threat intelligence insights with fraud detection models to proactively identify and mitigate emerging fraud schemes.

Qualifications

• Minimum of 10 years track record in Fin Crime and Fraud Prevention in Banking Sector or Fin Tech / Financial Services companies, with proven experience in system development, integration, and Security solutions.
• Previous experience in a leadership role for at least 5 years.
• Proficient in working with both relational and non-relational databases, with the ability to write and execute complex queries (e.g., ES|QL, SQL).
• Proven experience in reporting and data analytics, with strong skills in data visualization, querying, and interpreting complex datasets to motivate business decisions. Good understanding and knowledge of AI technology, machine learning model is a plus.
• Excellent communication skills, both oral and written, with the ability to effectively interact with various stakeholders, experts, and third parties, including vendor management.
• Strong managerial skills, including the ability to lead, motivate, and develop teams to achieve strategic objectives effectively.
• Excellent interpersonal skills, results-oriented, adept at planning and organization.
• Excellent communication and presentation skills, with the ability to influence and inspire cross-functional teams.

Additional Information

SQ2