Associate Analyst - Fraud Risk Management

Role Overview

Associate Analyst - Fraud Risk Management at ADIB, located in Sharjah, UAE. This position is for fresh graduates who are UAE Nationals only.

Role Purpose

Support Fraud Risk Management in improving fraud detection, prevention, sampling, verification monitoring and control effectiveness through data analytics, automation and responsible use of AI and machine learning. The role combines fraud-risk development with hands-on analytical, sampling, MIS and process-improvement support, delivered under supervision in partnership with fraud operations, model owners, technology, data and model risk teams.

Key Responsibilities

Data Preparation and Quality Assurance

• Prepare, reconcile and quality-check approved fraud datasets while maintaining confidentiality and access controls.
• Automate repetitive data preparation, reconciliation, alert-triage support, dashboard preparation and evidence collection using approved tools.

Model and Rule Performance Analysis

• Analyze fraud model and rule performance, including alert volumes, detection coverage, confirmed outcomes, false positives, false negatives, precision, recall and efficiency.
• Assist controlled testing and impact assessment of fraud rules, thresholds and analytical models.
• Capture investigation feedback and outcomes to support monitoring and future tuning.

Fraud Pattern and Risk Analysis

• Support analysis of fraud typologies, products, channels, customer segments, payment types and emerging patterns.
• Escalate unusual patterns, data concerns, unexpected model behavior and potential customer impact.

AI and Machine Learning Support

• Support AI and machine learning use cases for detection, prioritization, anomaly identification and investigation assistance.
• Apply explainability, fairness, data quality, privacy, security, human oversight and auditability controls.

Monitoring and Reporting

• Maintain dashboards, KRIs and KPIs for fraud trends, model effectiveness and operational efficiency.
• Support validation requests, UAT evidence, change records, issue tracking and remediation.

Fraud Sampling Operations

• Support fraud and risk sampling across products, sourcing channels and customer acquisition processes, including sample extraction, evidence collation, outcome tagging and follow-up of exceptions.
• Assist sampling reviews for application fraud, contact point verification, documentary checks, impairment indicators, syndicate-fraud signals and vendor or agency control monitoring.
• Prepare sampling MIS and trend analysis to highlight control gaps, recurring exceptions, turnaround-time adherence and areas requiring corrective action by Fraud Risk, Operations, Underwriting or business teams.

Specialized Testing and Analytics

• Support controlled mystery-shopping, seeding, queue monitoring and alert-review analytics where required, ensuring findings are documented, escalated and linked to control improvement actions.

Qualifications & Experience

• Bachelor's degree in Data Science, Statistics, Mathematics, Computer Science, Engineering, Business Analytics, Finance, Economics or related discipline.
• Fresh graduate or up to two years of relevant internship or work experience.
• Foundation knowledge of statistics, data analysis and machine learning.
• Classification metrics or anomaly detection exposure is advantageous.
• Working understanding of fraud sampling, application verification, contact point verification, preliminary investigation support, fraud MIS preparation and control-exception tracking are advantageous.

Skills & Competencies

• Strong analytical curiosity, pattern recognition, documentation and attention to detail.
• Ability to handle confidential information and follow data, access and change-control requirements.
• Good knowledge of Excel and PowerPoint.
• Exposure to Python, SQL, R, SAS, Power BI or automation tools is advantageous.
• Integrity, professional judgement, collaboration and timely escalation of issues or uncertainty.

Additional Information

Complete required induction, risk, conduct, data protection and role-specific learning within agreed timelines.

Develop from supervised task execution to reliable preparation of analyses, working papers, trackers and management materials.

Seek feedback, demonstrate continuous learning and build practical knowledge of ADIB products, processes and risk governance.

Use approved data, systems and AI tools responsibly, maintaining confidentiality, evidence and appropriate human review.

Success in the first year is measured by: accurate and timely completion of assigned analysis, documentation, reporting and follow-up activities; complete, traceable and well-organized records with minimal rework required; constructive engagement with stakeholders and consistent adherence to approved governance and control requirements; effective support to fraud sampling cycles, including accurate sample lists, evidence packs, exception trackers and concise MIS highlighting key themes and required follow-up; visible development of technical knowledge, analytical capability and professional communication; and practical contributions to at least one controlled efficiency, automation or process-improvement opportunity.