Apply by: We're on the lookout for energetic, self-motivated individuals who share our passion for service in the banking industry. To be part of the journey, follow the steps below: To see what life at Capitec is all about and complete a short assessment, please click here! Once you have completed the above finalize your application by clicking apply below. Join Us in Becoming the Best Bank in the World!! We appoint energized and motivated people for their potential and continuously look for talented, driven individuals to help us innovate and evolve. That is why we focus on finding the right people for the right jobs. We love what we do because we focus on making a positive difference for our clients and employees. Our company DNA is built around talented and committed teams dedicated to building a brand that we are proud of and earns the trust of our clients. Who We Are We are a bank, but we're much more than that. We believe that banking is about enabling people to control their financial lives through banking that is simplified, accessible, affordable and delivered through personal experience. By helping our clients manage their financial lives better, we enable them to live better. Why Choose Us At Capitec, we offer our best by living up to our CEO values in every situation – we always put the Client first, act with Energy and take Ownership. And to support people in being their best, our Employee Value Proposition offers every value to all team members through cohesive teams, growth opportunities as well as employee benefits and savings. We make it a priority to ensure that each member of the Capitec team feels welcome, valued, focused, and has the opportunity to grow. Purpose To utilise and apply fraud prevention expertise to minimise and mitigate against the main fraud risks impacting Capitec and clients; credit application fraud and insider threat, thereby reducing financial crime loss to Capitec Bank and its clients. Experience and Knowledge Experience: 4 – 5 years relevant and proven experience in fraud prevention and detection design and/or development Knowledge of credit systems and products SQL programming experience required Knowledge: Credit granting models and systems, with a focus on the fraud controls within the credit granting processes and rules engine Credit sales channels, including branch, Direct Loans and App Credit products, with a focus on Term Loans and the main drivers of capout Credit fraud, with a focus on application fraud. Detailed understanding of the common modus operandi and best practice controls Key control environments within the high internal threat environments Knowledge of various types of internal threats and application fraud schemes including employee misconduct, data breaches, identity theft, account takeover Proficiency in fraud detection methods, tools, and technologies used to identify suspicious activities and patterns Ability to assess fraud risks within applications, systems, and processes and develop effective mitigation strategies to prevent and detect fraudulent activities Strong interpersonal skills and the ability to collaborate with cross-functional teams Proficiency in data analysis techniques should be desirable Qualifications A relevant tertiary qualification in Finance, Economics, Accounting or similar A relevant post-graduate qualification in Finance, Economics, Accounting or similar would be ideal Skills Communications skills Problem solving skills Analytical skills Interpersonal & relationship management skills Attention to detail Numerical reasoning skills SQL skills Conditions of Employment Clear criminal and credit record Capitec is committed to diversity; applications to this position will strictly be considered in support of our employment equity goals. For further information regarding this job posting, please contact the Capitec Talent Acquisition Consultant: Verischka Cyster
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