How would you describe the job of Fraud Prevention Officer?

My job consists in identifying and analysing fraudulent behaviour on bank cards as early as possible to protect the Group’s banks and end clients (individuals and businesses). To do this, I use tools dedicated to fraud management and data analysis. I also assist the Group’s banks with the use of fraud prevention tools by providing them with documentation and operational assistance. I’m also in charge of risk training (design of modules for in-class or e-learning courses). We also maintain regular contact with our counterparts and e-merchants, including internationally.

The tasks are therefore very varied, all the more so as we cover several areas (cardholder, retailer and transaction fraud, etc.), which can offer opportunities for development in the department itself.
Gender diversity is an integral part of the team, and a balanced gender mix makes us more efficient by contributing to the harmony of the group.

What are the peak periods of your job during the year?

The activity is mainly driven by the evolution of fraud. This calls for permanent monitoring and may lead us to carry out emergency actions.

Every month, we produce several reports that we distribute in-house and to clients.
Several times a year, during risk discussion days to which the Bank’s groups are invited, we present various topical issues. This provides an opportunity to have very enriching meetings and discussions with our clients.

Can you describe your typical day?

The morning is often reserved for analysing the previous day’s events in order to react as quickly as possible in the event of a fraud attack.
We also need to assess the relevance of detection rules every day and adapt them if necessary.
Another important aspect of our work is the processing of requests from the Group’s banks (assistance with tools, information, reporting, etc.).

What career path is required to reach your position and what are the possibilities for development?

I have a banking background (ITB). After 20 years of experience at LCL in the corporate network, electronic banking and fraud were completely new subjects for me, but I didn’t have any problems adapting to them. The team has a wide variety of profiles and employees come from quite different backgrounds, which also contributes to its richness. Regardless of a specific training course or background, you must have a real aptitude for analysis, be very rigorous, have good interpersonal skills and be attentive to customers.

The tasks are therefore very varied, all the more so as we cover several areas ( cardholder, retailer and transaction fraud, etc.), which can offer opportunities for development in the department itself.

What message would you want to pass on to someone who is thinking of taking up a similar position?

I would recommend that everyone take time to look ahead and “think out of the box” by focusing on curiosity and adaptability rather than expert skills.

How do you see the company’s progress in terms of diversity?

I see real awareness of the issue in French society as well as a change in mentality.
The ultimate victory will be when Diversity Week is no longer necessary and diversity becomes entrenched in all companies.