QNB- Manager Card Risk - Issuing; Qatarization

About QNB

Established in 1964 as the country’s first Qatari-owned commercial bank, QNB Group has steadily grown to become the largest bank in the Middle East and Africa (MEA) region.

QNB Group’s presence through its subsidiaries and associate companies extends to more than 31 countries across three continents providing a comprehensive range of advanced products and services. The total number of employees is more than 28,000 serving up to 20 million customers operating through 1,000 locations, with an ATM network of 4,300 machines.

QNB has maintained its position as one of the highest rated regional banks from leading credit rating agencies including Standard & Poor’s (A), Moody’s (Aa3) and Fitch (A+). The Bank has also been the recipient of many awards from leading international specialised financial publications.

Based on the Group’s consistent strong financial performance and its expanding international presence, QNB currently ranks as the most valuable bank brand in the Middle East and Africa, according to Brand Finance Magazine.

QNB Group has an active community support program and sponsors various social, educational and sporting events.

The incumbent will be primarily responsible for monitoring the risk with respect to the Group’s card portfolio (credit / debit / prepaid) with the objective of minimizing card losses by taking timely corrective/ remedial actions. The incumbent will also work closely with external customers and internal teams providing oversight, guidance in relation to Card Risk Issuing. Additionally, the incumbent will utilize proprietary and third‑party systems to monitor for suspicious and/or unusual customer card payment activity to minimize fraud losses perpetrated by and against QNB customers.

• Shareholder & Financial: Analyze card usage trends (by merchant, channel, country, product, etc.) to identify, monitor and manage the fraud risk of the Group’s card business and take necessary corrective/remedial action on a timely basis to minimize card fraud losses in line with the Group’s fraud risk appetite. Implement KPIs and best practices for Card Risk (Issuing). Promote cost consciousness, efficiency and productivity to minimise cost, avoid waste and optimise benefits for the bank.
  
  Act within the limits of the powers delegated to the incumbent.
• Customer (Internal & External): Liaise with Group ITD on card system enhancements (core‑banking, authorization and card monitoring tools) to better manage card usage risk. Communicate with VISA, Master Card, American Express and other card schemes on specific fraud issues as required. Review transaction acceptance performance, fraud controls and rule configurations to reduce excessive fraud levels. Respond to queries regarding unrecognised and/or suspicious card transactions.
  
  Liaise with domestic Group divisions and departments to identify potential fraud risk exposure and remediate losses. Assist customers on Bank products and seek solutions to their requests. Maintain activities in accordance with Service Level Agreements (SLAs) and build strong relationships with related departments to achieve group objectives. Provide timely and accurate data to auditors, compliance, financial control and risk teams.
• Internal (Processes, Products, Regulatory): Ensure appropriateness of card risk‑engine rules (credit/debit/prepaid/contactless) and amend rule configuration in line with emerging fraud trends. Ensure appropriate fraud reporting on issuing fraud and identify common patterns and trends. Resolve all customer complaint cases related to fraudulent card use in conjunction with business and operations departments. Analyse card portfolio usage reports to review usage‑limit consistency. Attend to suspicious card transactions notified by call‑center personnel or branch staff promptly.
  
  Assist auditors in investigating card fraud incidents. Report card fraud cases timely as required by payment systems and local regulatory authorities (e.g., QCB).
• Learning & Knowledge: Possess in‑depth knowledge of all card products and merchant payment channels (POS, e‑commerce, MO/TO, etc.) and related operations, controls and…