Vice President, Security and Fraud Officer.

This position reports to the Chief Information Security Officer and is responsible for controlling the daily activities, systems and processes associated with online banking and card fraud prevention, chargebacks and disputes, and ensuring strict adherence to the card associations and bank chargeback rules. The job holder is responsible for the technical definition and implementation of fraud prevention rules across existing and new online banking and card systems, and working within an agreed operations risk framework to reduce fraud events, limit losses and minimise the impact of fraud to Butterfield and our clients.

Your responsibilities will include

• overseeing the Cards and Online Banking fraud teams with direct responsibility for performance management, training plan development, goal setting and scheduling and hiring
• managing the Fraud team performance to ensure that clients receive quality service, ensuring that issues are resolved efficiently and in a timely manner
• ensuring the initiation of chargebacks, second chargebacks, collections, pre-compliance/compliance requests, good faith letters and/or arbitration requests to limit financial loss to the Bank and incidents are raised as required
• ensuring operations and premises conform to established regulations and procedures and that operating efficiency and accuracy is achieved
• building relationships with stakeholders in order to resolve unexpected process changes, inefficiencies and negative client experience
• establishing processes and management reporting that enables an overall view of fraud across channels
• working alongside the Bank’s ICS, IT teams and external vendors to ensure cloud based online banking and card applications are secure from fraud and assist in the continuous development of BCP and DR planning
• assisting in the definition, delivery and implementation of new cloud based online banking and card fraud prevention application, policies and transaction rules whilst further developing change-control and management processes for amendments to fraud rule and alerts
• acting as an advisor when required or undertaking investigation analysis of activity on client accounts and as alerted by various fraud detection tools, to identify suspicious transactions and cybercrime activity
• reviewing security alerts and bulletins issued by MasterCard, Visa, ICS and external approved sources
• keeping abreast of any newly identified fraud patterns and be on call for incident response
• keep up-to-date with CIMA, BMA, Visa and MasterCard rules and regulations.
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Your qualifications and skills include

• completion of a post-secondary degree coupled with or a minimum 7 years banking fraud, security and compliance experience with at least 3-years supervisory experience
• extensive knowledge of Oracle Online Banking and Actimize applications, databases and cloud based hosting
• ability to define, write and implement Java, PLSQL, SQL, Python and JSON API feeds
• ability to define, write and implement fraud detection based rule sets and policies
• extensive knowledge of iOS and Android app development, release processes and security
• extensive knowledge of application development methodologies and project management (Agile and Waterfall)
• general knowledge and understanding of Defence Edge, EMS, Auth Plus, PCF and other FDR related fraud monitoring systems would be an asset
• general knowledge and understanding of the MasterCard and Visa procedures and rules relative to the resolution of incoming (merchant) and outgoing (cardholder) charge disputes and fraudulent transactions
• strong analytical and problem-solving skills with the ability to recognise suspicious activity and take appropriate action
• proven ability to supervise, coach and develop a team of employees
• excellent negotiation skills
• familiarity with Microsoft Office, Google and Apple cloud suite of applications
• excellent communication skills, both oral and written. (English, French, Spanish an advantage).

About the team
At Butterfield it’s essential that our platforms are safe, and that they protect our clients, our people and our data. In a rapidly evolving landscape of security threats, we rely on our Information Security teams to understand the risks we face, and to design and deliver tools and processes to track them, pre-empt attack, and deploy proactive defences.