Manager Anti-Fraud

Department: Risk B2C

Employment Type: Full Time

Location: UAE

Reporting To: Sergey Bogdanov

Description

About Tabby

Tabby helps users take control of their finances by offering flexible, interest-free payment solutions across the UAE, KSA, Egypt, and Kuwait. Partnering with global brands like H&M, Adidas, and IKEA, we provide a seamless shopping experience, giving customers the freedom to shop smarter and save more.

About The Role

We are looking for an experienced Anti-Fraud Manager to lead fraud prevention strategy across multiple regulated products in the UAE. This role will be responsible for building a unified fraud governance framework, managing cross-product risk, and ensuring compliance with CBUAE regulations.

You will play a key role in protecting the business across BNPL, wallets, and money transfers, while working closely with regulators, law enforcement, and internal stakeholders.

Key Responsibilities

• Design and implement a unified fraud governance framework across multiple licenses:
• BNPL (Finance Companies Regulation)
• Stored Value Facilities (wallets)
• Retail Payment Services (transfers)
  
• Ensure compliance with relevant UAE regulations, including:
• Decree-Law No. 6/2025
• CBUAE authentication requirements (May 2025)
  
• Establish product-specific SOPs, escalation processes, and controls within a single framework
• Integrate fraud prevention with AML/CFT requirements (incl. STR/SAR filing via goAML within 24h)
• Maintain strong audit readiness across all products, including clear audit trails
  

• Identify and manage cross-product fraud typologies, including:
• BNPL: synthetic identity, first-party fraud, merchant collusion
• Wallet: account takeover (ATO), unauthorized top-ups
• Transfers: money mules, structuring, sanctions evasion
  
• Detect and mitigate cross-product fraud patterns (e.g. wallet → BNPL → transfer layering)
• Monitor remittance risks across key corridors (India, Pakistan, Philippines, Bangladesh), including:
• FATF exposure
• Structuring below EDD thresholds
• Correspondent banking risks
  
• Implement advanced monitoring strategies, leveraging signal correlation across products
• Assess expat population risks, including:
• Visa expiry tracking
• Exit risk scoring
• Employment verification
• Seasonal trends (e.g. Ramadan, summer)
  
• Stay ahead of emerging threats, such as:
• Deepfake KYC bypass
• AI-generated document fraud
• Fraud-as-a-service models
• Social media-driven mule recruitment
  
  

• Manage relationships and cooperation with UAE authorities:
• Dubai Police eCrime
• Abu Dhabi Aman
• Federal Prosecution
  
• Lead fraud case escalation, including complaint filing and evidence preparation
• Apply appropriate legal frameworks:
• Cybercrime Law (Decree-Law 34/2021)
• AML Law (Decree-Law 10/2025)
  
• Support fraud recovery actions, including:
• Travel bans
• Account freezes
• Asset seizure
  
  
  

• 5+ years of experience in fraud prevention, with at least 2 years in UAE/GCC fintech or payments
• Experience across at least 2 of the following:
• BNPL / lending
• Digital wallets
• Money transfers / remittances
• Strong experience with CBUAE regulations (licensing, audits, or framework implementation)
• Proven experience working with UAE law enforcement authorities
• Fluent in English (Arabic is a strong advantage)
  
  
  

• Experience with remittance fraud and AML in UAE corridors
• Knowledge of sanctions screening and PEP frameworks
• Certifications such as CFE, CAMS, or equivalent
• Experience with ML-based fraud detection across multiple products
• Familiarity with AECB data, Nebras API, or similar tools
• Exposure to DIFC/ADGM regulations, correspondent banking, or exchange houses
  
  
  

• Work on high-impact fraud challenges across multiple financial products
• Be part of a fast-growing fintech in the UAE
• Collaborate with regulators, law enforcement, and senior stakeholders
• Shape the future of fraud prevention in a complex, multi-license environment