Card Fraud Forensic Investigator

ABOUT THE COMPANY Equity Bank Kenya Limited, is a financial services provider headquartered in Nairobi, Kenya. It is licensed as a commercial bank, by the Central Bank of Kenya, the central bank and national banking regulator. JOB SUMMARY Qualifications Experience Requirement:5 years’ experience in card fraud investigation, financial crime, forensic analysis, or fraud risk management within a bank, fintech, payment service provider, or card processing environment.Proven hands-on experience investigating debit, credit, and prepaid card fraud, including card-present and card-not-present fraud typologies.Demonstrated experience conducting end-to-end forensic investigations, including transaction analysis, root cause determination, and loss quantification.Experience working with fraud monitoring systems, card management platforms, transaction monitoring tools, and data analytics solutions.Working knowledge of regulatory requirements, internal controls, and card scheme compliance standards relevant to fraud investigations.Experience collaborating with internal stakeholders (Fraud Risk, Operations, IT, Compliance) and, where applicable, engaging with law enforcement and external partners.Strong experience preparing clear, accurate investigation reports for management, audit, and regulatory purposes.Academic Qualifications & CertificationsBachelor’s degree in finance, Accounting, Information Systems, Criminology, or a related fieldOver 5 years’ experience in card fraud investigations, forensics, or financial crimeProfessional certifications such as CFE, CAMS will be an added advantage.Experience within banking, financial services, or payment service providers preferred. RESPONSIBILITIES Card Fraud InvestigationsConduct end-to-end forensic investigations of card fraud cases, including debit, credit, and prepaid card transactions.Analyze transaction data to identify fraud typologies, trends, and root causes.Review card authorization logs, merchant data, chargebacks, and customer activity to establish fraud events and timelines.Identify control weaknesses, system vulnerabilities, and process gaps contributing to card fraud incidents.Prepare detailed investigation reports with clear findings, loss assessments, and actionable recommendations.Support chargeback management and dispute resolution processes in line with card scheme rules (e.g., Visa, Mastercard, AmEx, China Union Pay).Risk Management & Control FrameworkIdentify emerging fraud typologies and vulnerabilities impacting card portfolios.Recommend and implement process, control, and policy enhancements to reduce fraud exposure.Ensure effective escalation and reporting of material fraud risks and incidents.Collaborate with Fraud Risk, Cybersecurity, IT, Operations, and Compliance teams to enhance card fraud detection and prevention.Liaise with law enforcement agencies, card schemes, and external stakeholders when required.Monitor emerging card fraud trends and recommend enhancements to detection rules,