Product Lead Fraud expertise & detection

Product Lead – Fraud Expertise & Direction – Brussels

Technical data function

Brussels, Marnixlaan 24, 1000 Brussels
50% work from home

Product Lead

GJA 18

Full-time
Sensitive Function: Yes
Representation costs: No

Your role & work environment

At ING we have bold ambitions to improve the digital experience for our customers while empowering people’s financial health. At the same time, we want to make a positive contribution to the society and the world we live in. To deliver on these ambitious promises, we need to have a strong strategic and commercially focused organisation around our products, where our squads working on those products are enabled by clear prioritisation, accountability and capabilities. And right there, the Product Lead comes in.

To put it in short, the Product Lead is a position where all elements of a product come together, the what and the how, with an end-to-end responsibility. You work not only on delivery and on how we run a product, but also on creating a vision on how we create it, how we manage the business value and how we deliver a differentiating customer experience. Therefore, we need someone who can contribute to a continuous, emerging, all-round product vision that is covering all elements for the product life cycle, with the ultimate goal to increase customer impact.

You do that by steering squads who work on the product by providing them with a strategic direction, by coaching them on the job, defining the product roadmap and by managing stakeholders around the product. The people who work in the squads report hierarchically to you, which means it is your job to empower them to thrive and perform at their best. You set direction, you help them to develop their craftsmanship and you have continuous conversations about their career development.

As Product Lead in Fraud & Cyber Security you report hierarchically to the Tribe Lead.

Your key responsibilities

As a Product Lead Fraud Expertise & Detection, you:

• Acts, together with the team, as spokespersons on Fraud towards both internal and external stakeholders (including and not limited to customers, press, other Tribes, CAS, Febelfin)
• Perform/use data driven analyses to ensure you stay on top of fraud trends, and we take mitigating measures timely and effectively.
• Ensure that we proactively identify organizational and market changes and ensure that our fraud detection engine can effectively protect our customers and the bank from fraud
• Improve our detection capabilities through rigorous data-driven optimization of the rule base vs observed losses, introduction of new data, capabilities and advanced models (AI), while ensuring hand-in-hand cooperation with the operational teams to optimize the detection/workload balance
• Take ownership on steering the organization to fulfill our fraud management duties as defined in the fraud management policy and the fraud management generic control standards. You do so in collaboration with the Global functional line, the Anti-Fraud Officer in second line, (Credit) Risk management, the Special Investigations Unit, CISO, the other Tribes and the CoE Safe Business.
• Define the roadmap for improving our overall ability to prevent and detect fraud, prioritized on value for bank and customers, and ensure its execution together with the Tribe’s delivery line, as well as other Tribes, Febelfin and other Belgian banks, the ING Group and other actors in the fraud ecosystem
• Prioritise this backlog both on functional as non-functional requirements and business value
• Ensures that both internal and external fraud risk is effectively evaluated as part of the Product Approval and Review Process company wide.
• Ensures we remain in control of our risks, by ensuring that the first line risk and gatekeeper roles are effectively performed within the team.
• Focus on delivery through collaboration, ability to bring people together to work towards the same purpose. 
• Can take responsibility, steer strategy and realisations based on facts and data; managerial courage to question and make decisions. 
• Ensures that adherence to Process Control Standards tackles fraud risk mitigation effectively
• Build the craftsmanship of the employees in the team in line with the strategy of the Tribe.
• Ensure compliance with relevant regulation and internal/external requirements 
• Are the hierarchical manager of a team of Fraud Product Experts and rule writers, working in multiple squads organized around your strategic vision.

We look for

A leader who takes things on and makes things happen; who is passionate about helping others to be successful; and has a knack for always being a step ahead. You are a naturally collaborative person who listens and invests in others to achieve common goals. You love to challenge the status quo and are eager to propose creative solutions to problems.

As a Product Lead you will also need to be able to:

• Build an effective team, that has diverse skills and perspectives to achieve common goals
• People management: being responsible for the inflow, progression, and outflow of employees of ‘your’ teams and playing an active role in the well-being and engagement of employees and the development of their craftsmanship
• Communicate effectively, in which you can adapt your style and the content of your communication to the needs of others you work with, including members of the Executive Committee. You always pay attention to the input and opinions of others
• Develop talent, by helping people in your team to achieve their career goals by emphasizing the importance of learning, support people in developing new skills and offer opportunities to develop people’s careers
• Have a customer focus, where you build strong customer relationships and deliver customer-centric solutions
• Drive engagement, you create an environment in which people are motivated to perform at their best to help ING to achieve its goals
• Be organisational savvy, you maneuver easily through complex policies, processes and people-related organisational dynamics across ING
• Look ahead, you show a strategic mindset and you find future opportunities which you can translate into concrete strategies
• Be tech and data savvy, where you anticipate and leverage innovations in digital and technical applications that make ING more effective in combatting fraud

Proven track record and technical skills:

 As a Product Lead, you have:

• Exceptional stakeholder management, presentation and communication skills, ensuring that actors outside of our direct influence are willing to go the extra mile for the protection of our customers against fraud
• Experience in defining strategies and policies to set and deliver objectives within medium to long time frames
• A proven track record in backlog management and resource planning.
• A solid understanding of how an operational team/call center is managed in a data driven fashion
• Experience in explaining complex issues in an easy-to-understand way to get people on board, including by using your strong analytical skills
• A solid background in fraud management
• Experience with RiskShield or other fraud detection engines is a strong plus
• Experience with advanced modelling (AI) and data engineering & visualization is a plus
• Have experience in designing and continuously improving processes and customer journeys. Experience in methodologies as PACE or LEAN are welcomed.
• An excellent level of English
• A Master’s Degree

We offer you 

A clear purpose, a unique offer and a range of flexible compensation and other benefits:

• Personal growth & challenging work with endless opportunities to realise your ambitions
• An informal, dynamic environment with innovative colleagues supporting your endeavors’
• A progressive and agile way of working, where new ideas are valued ahead of convention

A hybrid way of working

•           We give the autonomy to our employees to let them organize their work in a flexible way that suits best for them while ensuring business continuity, customer service and employee wellbeing.

Furthermore, within the Tribe Fraud & Cyber Security, you can count on a range of opportunities to invest in your personal and professional growth with:

• Possibility to participate in courses and trainings, both generic and fraud specific
• Challenging projects & a steep learning curve
• Interbank initiatives to combat fraud together

How to succeed 

• You are a standard-bearer of the Orange Code.
• You have a ‘can do’ mentality, proactive, resourceful, and willing to go the extra mile

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 back you to develop into an even more awesome version of yourself.

We redefine banking. What about you?

We’re on a journey that’s centred around our customers, powered by technology and driven by smart, determined people. Our customers feel our people are empowering them to stay a step ahead in life and in business. We’re proud of that!