Manager, Anti-Fraud
Full TimeJob Overview
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.
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
1. Anti-Fraud Governance
- 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
2. Fraud Risk Assessment (UAE Market)
- 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
3. Law Enforcement & Regulatory Collaboration
- 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
Skills, Knowledge & Expertise
Must-Have
- 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)
Nice-to-Have
- 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