Operational Risk Manager Anti-Fraud Officer (AFO)

In the NFR NL team we are looking for a Fraud professional with the ambition to bring Fraud Risk Management to the next level. It is a 2nd LoD role, “independent” (i.e. organisationally segregated) from management and employees that originate risk exposures. You have a solid understanding of fraud risk management and want to fulfil a strategic role in the bank. You understand how risk management can facilitate a great customer experience and are willing to engage with our 1st Line of Defense counterparts in a positive, fact-based, discussion about doing business within risk appetite.

The Team

You report to the Head of NFR ORM.

• Your key focus is working with 1st line Fraud and Global functional Line of Fraud for ING Global (approximately 5+ years’ experience)

• Providing risk advice and assurance to ING NL specifically relating to Internal & External Fraud

• Working in conjunction with the Expert Lead NFR and the Global Fraud functional line with the overall and ongoing development, embedding and management of operational risk management and its associated frameworks across the business, which includes but not limited to, training and knowledge sharing across teams

• Contributing to operational risk reporting, including but not limited to, the business unit’s Non-Financial Risk profile, emerging risks and effectiveness of the Fraud management including trends and insights

Roles and responsibilities

• Providing risk advice and assurance to ING NL for Fraud risk

  • Using the 3LoD model to influence and empower business units to take accountability and responsibility for identification, management and monitoring of operational risks whilst providing frameworks and expertise to ensure risks are managed within appetite

  • Effective review and challenge of business decisions and activities in line with 3LoD

  • Effective relationships with key senior management stakeholders to ensure buy-in

  • Pro-active and continuous monitoring of operational risk framework implementation and embedment

  • Contributing to operational risk reporting, including but not limited to, the Non-Financial Risk Dashboard for NFR NL, emerging risks and effectiveness of the Operational Risk Management Framework including associated policies and procedures

• Contribute to continuous improvement of Fraud Risk Management

  • Participate in a variety of risk activities such as deep dives, fraud risk & control self-assessments, product approvals and monitoring of data quality

  • You are familiar with the fraud landscape, it’s risks, issues and have knowledge on solutions possible in this area

How to succeed

We hire smart people like you for your potential. Our biggest expectation is that you’ll stay curious. Keep learning. Take on responsibility. In return, we’ll back you to develop into an even more awesome version of yourself.

• You know that success is a team effort but are not afraid of taking ownership

• You have an ambitious pro-active and positive mentality and are comfortable with having strong discussions 

• You are willing to support senior team members within the team to achieve joint targets as well as learning on the job to develop your skills further

• You understand that fraud risk management is a joined effort of 1st and 2nd line of defence

• You understand how efficient risk management contributes to ING’s customers experience

• You have good knowledge on fraud and business processes

• Proven track record in generating fraud risk insights and discuss these with our business partners

• You contribute to the E2E risk process for the fraud risk domain

• You are action focused: understand fraud trends, innovations, fraud risk data and translate the insights into actions for your stakeholders

Your competencies

• Relevant post graduate degree or higher or similar qualifications

• CFE (Certified Fraud Examiner) certified or willing to become within 6 months

• Strong presentation, writing & reporting skills in English language

• Ability to communicate with senior management

• Problem solving, sharp attention for detail and analytical skills

• Minimum of 2 years’ experience in either risk and/or fraud management (preferably both 1st LoD and 2nd LoD)

• Orange code ambassador

• You like to continuously develop yourself

• You take initiative but you value cooperation just as much

• Preferably experienced with activities performed as part of a bank’s risk cycle

• Preferably knowledgeable in regulatory and prudential compliance

Rewards and benefits

We want to make sure that it’s possible for you to strike the right balance between your career and your private life. You can find out more about our employment conditions at https://careers.ing.com/en/benefits-NL

The benefits of working with us at ING include:

• A salary tailored to your qualities and experience

• A salary indication 6,176 - 9,871 EUR based on 36 hours per week

• 24-27 vacation days depending on contract

• Pension scheme

• 13th month salary

• Individual Savings Contribution (BIS), 3.5% of your gross annual salary

• 8% Holiday payment

• Hybrid working to blend home working for focus and office working for collaboration and co-creation

• Personal growth and challenging work with endless possibilities

• An informal working environment

About us

With 60,000 employees and operations in approximately 40 countries, there is no shortage of opportunities for people with initiative who want to help people take a step ahead in life and in business. Do you want to work at the cutting edge of what’s possible and at the same time ensure you work with integrity and hold the customer’s interests at heart? Do you want to be surrounded by progressive, inspiring, diverse and supportive colleagues? Then there is no better place to invest your talents than at ING. Join us. Apply today.

Please note, multiple interview steps involving various business stakeholders will be part of the selection process. The eventual preferred candidate will also be subject to an in-depth screening process.