- Location
- Lagos
- Type
- Full-time
- Department
- IT
- Seniority
- Manager
- Experience
- 5+ years
- Education
- Bachelor
- Closing date
- Today
- Source
- ApplyToJob
Description
1. Role Overview
Lead the end-to-end anti-fraud operations for PalmPay's device installment business in Nigeria. Build and manage a multi-functional team covering phone investigation, field verification, intelligence monitoring, and data analytics & quality assurance. Establish and operate a full-cycle anti-fraud closed loop: alert generation → investigation → fraud determination → channel enforcement → post-case review.2. Key Responsibilities
2.1 Team Leadership
Build, lead, and develop the local anti-fraud team across multiple functional areas. Responsible for recruitment, onboarding, training, performance management, and day-to-day task allocation. Foster a high-performance culture focused on investigation quality, operational efficiency, and continuous improvement.2.2 Anti-Fraud Operations
- Oversee the full investigation workflow for suspected fraud cases, ensuring P0–P3 tiered cases are handled per SOP with appropriate urgency.
- Review and sign off on fraud determination conclusions (F0–F4 severity grading), accountable for determination accuracy.
- Maintain the case ledger and track core operational KPIs including fraud detection rate, investigation coverage ratio, and case closure cycle time.
- Conduct weekly case reviews to identify investigation blind spots and refine investigation strategies.
2.3 Channel Risk Management
- Establish and enforce a channel (Agent/Dealer) violation penalty framework, driving remediation, restriction, or termination of high-risk channels.
- Collaborate with the sales team to embed anti-fraud requirements into channel onboarding and ongoing management.
- Produce periodic high-risk merchant/Agent profiles and build a channel risk scoring system.
2.4 Intelligence & Early Warning
- Guide the intelligence monitoring team in application data analysis and social media sentiment surveillance.
- Conduct rapid-response analysis on emerging fraud patterns (e.g., NIN forgery, face-swap attacks, Agent multi-accounting).
- Support HQ data teams in cross-market intelligence benchmarking and fraud pattern sharing.
2.5 Cross-Functional Collaboration & Reporting
- Maintain close collaboration with sales, collections, and credit review teams to ensure anti-fraud measures are effectively implemented on the business side.
- Submit weekly anti-fraud operations reports (in English) to HQ; escalate material cases in real time.
- Participate in bi-weekly global anti-fraud benchmarking and intelligence-sharing sessions.
3. Requirements
Essential
- Nigerian national or holder of a valid work permit.
- Bachelor's degree or above; Finance, Economics, Law, Criminal Investigation, or related fields preferred.
- 5+ years of experience in anti-fraud, risk management, compliance, or internal audit within the financial services or telecommunications industry.
- Proven team management experience, having led teams of 10+ members.
- Strong familiarity with the business environment and security landscape in Northern Nigeria (Kano, Katsina, Kaduna, etc.).
- Fluent in English (written and spoken), with the ability to independently produce analytical reports in English.
- Proficient in Excel with foundational data analysis capabilities.
- Willing to be based in Lagos and occasionally travel to Kano, Abuja, and other locations.
Preferred
- Experience in device installment, consumer lending, or BNPL.
- Familiarity with PalmPay products or the Nigerian mobile payments ecosystem.
- Hands-on experience with anti-fraud systems or rule engines.
- Professional certifications such as CAMS, CFE, or equivalent.
4. Reporting Lines
Reports directly to the Head of Global Anti-Fraud Operations, with a dotted-line report to the PalmPay Nigeria Country Head.Skills
ExcelRisk ManagementCompliance