Fraud Prevention Specialist
Santander Digital Services is the technology and operations group of Santander, developing and implementing financial solutions across a broad spectrum of technologies on on‑premise and cloud platforms. We are looking for a Fraud Prevention Specialist based in Spain, Brazil or Portugal to help shape the organisation’s fraud prevention strategy and drive the evolution of frameworks, controls and detection capabilities.
Responsibilities
- Lead and contribute significantly to 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 and support enhancements to fraud frameworks, controls and processes.
- Act as an expert advisor on industry practices, technologies and tools, evaluating new capabilities, benchmarking with peers and identifying opportunities to enhance the bank’s detection ecosystem.
- Monitor and assess emerging fraud trends, collaborating with business, product, cybersecurity and operational teams to maintain a forward‑looking, holistic view of the threat landscape.
- Support fraud event response, ensuring high‑quality root‑cause analysis, effective remediation actions and lessons learned.
- Define, plan and drive the execution of strategic fraud prevention initiatives, ensuring alignment of frameworks, controls and operational processes with fraud‑threat trends.
- Stay informed on industry fraud‑prevention practices, technologies and tools used in banking, identifying opportunities to enhance detection capabilities.
Qualifications
- Professional Experience
- Minimum of 4 years in fraud prevention roles.
- Excellent written and spoken communication skills.
- Experience in the financial/banking industry.
- Capacity to build effective relationships with a wide range of stakeholders in complex partnership environments.
- Hands‑on management style and ability to resolve issues efficiently and deliver results.
- Flexibility to work independently and collaboratively.
- Strong organisational skills, multi‑tasking and attention to detail.
- Excellent judgment and rigorous analytical skills.
- Experience designing or enhancing fraud controls and frameworks.
- Education
- University degree in Computer Engineering, Information Systems, Business, Administration or a related field, or equivalent experience.
- Certifications in fraud prevention skills or tools.
- Certifications in cybersecurity are valued.
- Languages
- English (Required)
- Spanish (Required)
- Hard Skills
- Strong knowledge of fraud controls and countermeasures including rule‑based systems, authentication, biometrics and behavioural analytics.
- Understanding of fraud‑prevention architectures and real‑time decisioning platforms, orchestration, middleware and machine‑learning fraud models.
- Knowledge of banking products and processes (cards, loans, payments, digital onboarding, banking apps).
- Deep understanding of fraud typologies: APP scams, card fraud, digital onboarding fraud, account takeover, mule activity, payment fraud, social engineering.
- Knowledge of Cyberfraud TTPs and trends and how they affect products and attack types.
- Ability to define fraud prevention roadmaps and architecture blueprints.
- Analytical skills to interpret transaction behaviours, trends, anomalies and multi‑channel fraud indicators.
- Solid knowledge of leading fraud platforms (transaction monitoring, behavioural biometrics, identity verification).
- Experience conducting fraud risk assessments and identifying control gaps in business products and processes.
- Knowledge of fraud/fraud‑crime topics such as first‑party fraud and money mules.
- Data analysis skills using Power BI, Excel, SQL.
- Statistical knowledge (trends, deviations, correlations).
- Regulatory knowledge applicable to fraud.
- Understanding of cybersecurity TTPs and threat intelligence is valued.
- Soft Skills
- Strategic thinking and problem‑solving skills.
- Innovative mindset focused on the strategic agenda.
- Stakeholder management skills: negotiation, influence, agreement across cultures and functions.
- Calm under pressure, managing high‑impact situations with sound judgment.
- Knowledge of internal and external fraud risk management, cyber security and IT concepts.
- Clear communication skills in written and face‑to‑face interactions.
- Business relationship management in high‑pressure situations.
- Cross‑cultural collaboration in global, diverse and matrixed environments.
- Leadership through expertise, providing clear direction and subject‑matter insight.
- Benefits
- Competitive salary with performance‑based bonuses.
- Hybrid working model with adaptable hours.
- Access to hundreds of courses on Santander Open Academy.
- Preferential banking terms, special interest rates on loans, life insurance and more.
- Health and wellness programmes (BeHealthy).
- Childcare support, family‑friendly programmes and legal/administrative advisory services via Santander Contigo.
- Gym/WellHub membership, medical centres, meal subsidy, parking, shuttle service.
- Exclusive discounts and offers for Santander employees.
- What to do next
- If this sounds like a role you are interested in, please apply.
Who We Are
Santander is committed to equal opportunities regardless of age, gender, disability, civil status, race, religion or sexual orientation. We provide an inclusive and accessible application process for all candidates.
Ready to take the next step in your journey?
Apply now and help shape the future of fraud prevention at Santander Digital Services.
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