Senior Fraud Prevention Specialist (gn) - Location Bucharest

As a Senior Fraud Specialist, you will be responsible for protecting DKV and its customers against fraud-related risks by investigating complex fraud cases, identifying vulnerabilities, and implementing effective preventive measures. You will act as a subject matter expert, driving continuous improvements to fraud prevention controls, monitoring tools, and investigation processes while collaborating with internal and external stakeholders.

Main Responsibilities

• Investigate complex fraud cases, identify fraud patterns, determine root causes, and assess financial impact
• Define and enforce fraud prevention policies, controls, and procedures aimed at minimizing fraud-related risks and losses
• Monitor and analyze suspicious transactions, fraud trends, fraud volumes, and associated costs to proactively identify emerging risks
• Identify and assess vulnerabilities, weaknesses, and fraud exposure across processes, products, and customer activities.
• Recommend and implement corrective actions, preventive measures, and process improvements to strengthen fraud prevention capabilities
• Evaluate fraud-related losses and determine appropriate actions to minimize financial impact for both customers and DKV
• Optimize and enhance fraud monitoring rules, restrictions, and plausibility checks within fraud prevention tools and systems
• Implement findings and insights derived from investigations and analyses to reduce fraud-related losses and improve detection mechanisms
• Develop and maintain effective countermeasures aimed at mitigating financial, operational, reputational, and brand-related risks
• Suspend and block customers, authorization instruments, and related entities in cases of suspected fraud according to delegated authority
• Review and validate customer charges resulting from fraud cases and initiate corrective actions where applicable
• Collaborate and communicate with customers, suppliers, legal counsel, law enforcement authorities, Compliance, Audit, and other internal stakeholders
• Prepare and support criminal complaints, legal proceedings, and prosecution activities related to fraud investigations
• Provide guidance and expertise to team members and act as a Subject Matter Expert for fraud prevention topics
• Prepare and present reports, analyses, recommendations, and management information related to fraud performance, risks, and improvement initiatives
• Perform administrative and operational activities required to support fraud prevention and investigation processes