Authorization and Fraud Detection Officer

Job Description

The Authorization & Fraud Detection Officer provides 24/7 authorization and fraud support to China Bank cardholders in accordance with Bank policies, Mastercard/Visa rules, and security protocols.

Key Responsibilities

• Process manual/voice authorization and reversal requests from local and international banks.
• Monitor transactions and investigate suspicious activities, fraud alerts, and potential card compromises.
• Conduct transaction verification with cardholders and perform appropriate card blocking actions.
• Process lost card blocking and facilitate card replacement.
• Monitor VIP accounts and promptly address fraud-related concerns.
• Report confirmed fraudulent transactions to Mastercard SAFE and Visa Fraud Reporting.
• Provide authorization and fraud support to internal units, branches, cardholders, and Bank partners.
• Process manual authorization for Balance Transfer requests and support credit limit increase processing up to PHP 20M.
• Participate in Mastercard/Visa compliance testing and contribute to process improvement and automation.
• Perform other related duties as assigned.

Qualifications

• Bachelor's degree in any four-year business-related course.
• Preferably with banking or financial institution experience.
• Strong analytical, problem-solving, and attention-to-detail skills.
• Excellent communication and customer service skills.
• Self-motivated, organized, and able to work under pressure.
• Strong team player with a commitment to continuous improvement.
• Proficient in Microsoft Office.
• Willing to work on a 24/7 shifting schedule, including weekends and holidays.