**Santander Digital Services** is looking for a **Fraud Prevention Specialist** based out of **Spain, Brazil or Portugal**.* Lead and contribute significantly fraud risk assessments for new products, journeys, and digital developments, identifying vulnerabilities, control gaps, and mitigation requirements early in the design phase.* Provide fraud prevention subject-matter expertise to cross-functional initiatives, supporting enhancements to fraud frameworks, controls and processes.* Act as an expert advisor on fraud-prevention industry practices, technologies, and tools, evaluating new capabilities, benchmarking with peers, and identifying opportunities to enhance the bank’s strategic detection ecosystem.* Monitor and assess emerging fraud trends, collaborating with business, product, cybersecurity, and operational teams to maintain a forward-looking and holistic view of the evolving threat landscape.* Support with an expert view in fraud events response, ensuring high-quality root-cause analysis, effective remediation actions and lessons learned.* Define, plan, and drive the execution of fraud prevention strategic initiatives, ensuring the alignment of frameworks, controls, and operational processes with fraud-threat trends.* Stay informed on industry fraud-prevention practices, technologies, and tools used in the banking sector, identifying opportunities to enhance the bank’s detection capabilities.* **Minimum of 4 years of experience in Fraud Prevention roles.*** Excellent communication skills written and spoken.* Experience in the financial/banking industry.* Capacity to build effective relationships with a wide range of stakeholders in a complex partnership environment.* Exceptional hands-on management style and the ability to address and resolve issues efficiently and deliver results.* Flexibility and ability to work both;
independently andcollaboratively.* Superior relationships management, excellent organizational skills, ability to multi-task and attention to details.* Excellent judgment and rigorous analytical skills.* Experience in designing or enhancing fraud controls and frameworks.* University degree in Computer Engineering, Information Systems, Business, Administration or related field or relevant experience.* Certifications in fraud prevention skills or tools.* Certifications in cybersecurity (valued).* Strong knowledge of fraud controls and countermeasures, including, decision engines and rule-based systems, authentication and identity verification, biometrics and behavioural analytics, device intelligence and risk scoring.* Understanding of fraud-prevention architectures and key technological components such as real-time decisioning platforms, orchestration, middleware and machine learning fraud models.* Knowledge of banking products and processes, such as cards, loans, payments, digital onboarding and banking apps.* Deep understanding of fraud typologies (APP scams, card fraud, digital onboarding fraud, account takeover, mule activity, payment fraud, social engineering, etc.).* Strong knowledge in Cyberfraud TTPs and trends per taxonomy (ex: scams, cards fraud, identity fraud, online/mobile fraud, etc…), per products (ex: payments, debit cards, digital wallets, dealer fraud, mobile, web, etc…) and type of attack (ex: phishing, deepfakes, money mules, social engineering, account takeover, vishing, impersonation, etc…).* Define fraud prevention strategic roadmaps and architectures blueprints.* Strong analytical skills to interpret, transactional behaviours, trends, anomalies, and event patterns multi-channel fraud indicators* Solid understanding of leading fraud platforms including transaction monitoring, behavioral biometrics and identity verification.* Knowledge on conducting fraud risk assessments and identifying control gaps in business products and processes.* Solid knowledge on topics related to fraud or financial crime, such as, first-party fraud, authorized/non-authorized fraud, money mules, etc…* Data analysis skills, using tools such as Power BI, Excel, SQL.* Statistics knowledge (trends, deviations, correlations).* Regulatory knowledge applicable to fraud.* Even though the role is fraud-focused, it will be valued as a good understanding of cybersecurity TTPs and threats intelligence.* Strategic thinking and problem-solving skills* Innovative mind-set to ensure a clear focus on the strategic agenda.* Strong stakeholder management skills, with the ability to negotiate, influence, and reach effective agreements across different geographies, cultures, and functional roles.* Ability to work and reach satisfactory agreements and find practical solutions for Fraud with all its stakeholders in different geographies and roles.* Ability to operate under pressure, managing high-impact situations with calm, clarity, and sound judgment.* Good knowledge of Internal and external fraud risk management, cyber security, IT concepts.* Excellent and clear communication skills in both online in written interactions, and face-to-face customer service interactions.* Business relationship management at high pressure situations.* Cross-cultural collaboration, working effectively in global, diverse, and matrixed environments.* Leadership through expertise, guiding teams and stakeholders by providing clear direction, structure, and subject-matter insight.We know **family is everything**. That’s why we offer childcare support and family-friendly programmes tailored to each life stage.**Extra benefits**. Gym/WellHub membership, medical centers in some of our facilities, meal subsidy, parking, shuttle service from various points in Madrid, as well as exclusive discounts and offers for Santander employees. **And that’s only the beginning—we’ll tell you more when you join!**#J-18808-Ljbffr