The Role
Leads PalmPay’s end-to-end anti-fraud operations for its device installment business in Nigeria. Manages a multidisciplinary team, oversees investigations and fraud determinations, establishes channel risk controls, monitors emerging fraud patterns, and develops risk scoring and enforcement frameworks. Collaborates with sales, collections, credit, and global anti-fraud teams while producing operational reports and escalating material cases. The role is based in Lagos with occasional travel within Nigeria.
Summary Generated by Built In
1. Role OverviewLead the end-to-end anti-fraud operations for PalmPay's device installment business in Nigeria. Build and manage a multi-functional team covering phone investigation, field verification, intelligence monitoring, and data analytics & quality assurance. Establish and operate a full-cycle anti-fraud closed loop: alert generation → investigation → fraud determination → channel enforcement → post-case review.2. Key Responsibilities2.1 Team LeadershipBuild, lead, and develop the local anti-fraud team across multiple functional areas. Responsible for recruitment, onboarding, training, performance management, and day-to-day task allocation. Foster a high-performance culture focused on investigation quality, operational efficiency, and continuous improvement.2.2 Anti-Fraud Operations
- Oversee the full investigation workflow for suspected fraud cases, ensuring P0–P3 tiered cases are handled per SOP with appropriate urgency.
- Review and sign off on fraud determination conclusions (F0–F4 severity grading), accountable for determination accuracy.
- Maintain the case ledger and track core operational KPIs including fraud detection rate, investigation coverage ratio, and case closure cycle time.
- Conduct weekly case reviews to identify investigation blind spots and refine investigation strategies.
- Establish and enforce a channel (Agent/Dealer) violation penalty framework, driving remediation, restriction, or termination of high-risk channels.
- Collaborate with the sales team to embed anti-fraud requirements into channel onboarding and ongoing management.
- Produce periodic high-risk merchant/Agent profiles and build a channel risk scoring system.
- Guide the intelligence monitoring team in application data analysis and social media sentiment surveillance.
- Conduct rapid-response analysis on emerging fraud patterns (e.g., NIN forgery, face-swap attacks, Agent multi-accounting).
- Support HQ data teams in cross-market intelligence benchmarking and fraud pattern sharing.
- Maintain close collaboration with sales, collections, and credit review teams to ensure anti-fraud measures are effectively implemented on the business side.
- Submit weekly anti-fraud operations reports (in English) to HQ; escalate material cases in real time.
- Participate in bi-weekly global anti-fraud benchmarking and intelligence-sharing sessions.
3. RequirementsEssential
- Nigerian national or holder of a valid work permit.
- Bachelor's degree or above; Finance, Economics, Law, Criminal Investigation, or related fields preferred.
- 5+ years of experience in anti-fraud, risk management, compliance, or internal audit within the financial services or telecommunications industry.
- Proven team management experience, having led teams of 10+ members.
- Strong familiarity with the business environment and security landscape in Northern Nigeria (Kano, Katsina, Kaduna, etc.).
- Fluent in English (written and spoken), with the ability to independently produce analytical reports in English.
- Proficient in Excel with foundational data analysis capabilities.
- Willing to be based in Lagos and occasionally travel to Kano, Abuja, and other locations.
- Experience in device installment, consumer lending, or BNPL.
- Familiarity with PalmPay products or the Nigerian mobile payments ecosystem.
- Hands-on experience with anti-fraud systems or rule engines.
- Professional certifications such as CAMS, CFE, or equivalent.
Skills Required
- Nigerian national or holder of a valid work permit
- Bachelor’s degree or higher
- 5 or more years of experience in anti-fraud, risk management, compliance, or internal audit within financial services or telecommunications
- Experience leading teams of 10 or more members
- Strong familiarity with the business environment and security landscape in Northern Nigeria
- Fluent written and spoken English, including the ability to produce analytical reports independently
- Proficiency in Excel and foundational data analysis capabilities
- Willingness to be based in Lagos and occasionally travel to Kano, Abuja, and other locations
- Background in Finance, Economics, Law, Criminal Investigation, or a related field
- Experience in device installment, consumer lending, or BNPL
- Familiarity with PalmPay products or the Nigerian mobile payments ecosystem
- Hands-on experience with anti-fraud systems or rule engines
- CAMS, CFE, or equivalent professional certification
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The Company
What We Do
PalmPay is building the financial superapp for Africa
