nd Leadership competencies

• Behavioral Framework:
• Strong understanding of Treasury policies, procedures, governance, and ethical standards.
• Clear and effective communication.
• Strong stakeholder engagement and collaboration across internal and external partners.
• Cultural and regulatory awareness.
• Sound and timely decision‑making.
• Strategic thinking and ability to provide clear direction.
• Ethical, credible, and effective leadership.
• Courage to challenge and strong teamwork orientation.
• Customer‑focused mindset.
• Action‑oriented with strong execution discipline.

Technical Competencies

• Strong knowledge of financial markets, economic fundamentals, and financial instruments.
• Understanding of treasury, retail, corporate, and capital market products.
• Expertise in liquidity management and interest rate risk management, including structural and behavioral balance sheet analysis.
• Strong negotiation, influencing, presentation, and pitching skills.
• Knowledge of Recovery and Resolution Planning (RRP).
• Financial analysis and performance management capability.
• Strong business acumen and project management skills.
• Ability to manage ambiguity and complexity.
• Ability to drive vision, provide direction, and develop talent.
• High‑quality judgement and decision‑making capability

Qualifications

Candidate’s Experience, Academic Qualifications and Certifications

• 5+ years’ experience in Treasury or Finance, with minimum 3 years in a leadership role.
• Deep expertise in liquidity management, funding, cash pooling, balance sheet optimization, funding structures, hedging strategies, and financial markets/products.
• Must be experienced in Basel III regulatory requirements.
• Strong understanding of African financial markets, regulatory environments, and cross‑border Treasury operations.
• Proven experience with Treasury Management Systems (TMS) and related technologies.
• Advanced analytical, financial modelling and presentation skills (Excel, PowerPoint).
• Exceptional leadership, communication, and stakeholder management capability.
• Demonstrated ability to be innovative, results‑oriented, and deliver high‑quality outputs under pressure and tight timelines.
• Degree in Business, Finance, Economics, Statistics, or a related field.
• Master’s degree is beneficial but not mandatory.

• The Fraud Investigations Manager will play a crucial role in conducting thorough investigations into potentially fraudulent card and merchant activities, suspicious transactions and compliance breaches, to safeguard the integrity of the Bank and to mitigate risks.

The Key Responsibilities

• Card Fraud Investigations
• Conduct end-to-end forensic investigations of card fraud cases, including debit, credit, and prepaid card transactions.
• Analyze transaction data to identify fraud typologies, trends, and root causes.
• Review card authorization logs, merchant data, chargebacks, and customer activity to establish fraud events and timelines.
• Identify control weaknesses, system vulnerabilities, and process gaps contributing to card fraud incidents.
• Prepare detailed investigation reports with clear findings, loss assessments, and actionable recommendations.
• Support chargeback management and dispute resolution processes in line with card scheme rules (e.g., Visa, Mastercard, AmEx, China Union Pay).
• Risk Management & Control Framework
• Identify emerging fraud typologies and vulnerabilities impacting card portfolios.
• Recommend and implement process, control, and policy enhancements to reduce fraud exposure.
• Ensure effective escalation and reporting of material fraud risks and incidents.
• Collaborate with Fraud Risk, Cybersecurity, IT, Operations, and Compliance teams to enhance card fraud detection and prevention.
• Liaise with law enforcement agencies, card schemes, and external stakeholders when required.
• Monitor emerging card fraud trends and recommend enhancements to detection rules, controls, and customer awareness initiatives.
• Ensure investigations are conducted in compliance with regulatory requirements, internal policies, and data protection standards.
• Stakeholder & Governance Engagement
• Partner with internal stakeholders including Card Operations, Customer experience, Compliance, Legal, and Risk.
• Engage with external stakeholders such as card schemes, merchants, acquiring banks, and law enforcement where required.
• Contribute to fraud governance forums and risk committees.
• Data Analytics, Management Information & Continuous Improvement
•  Analyze fraud trends, losses, and investigation outcomes for management information.
•  Produce regular reporting for senior management and risk committees.
• Drive continuous improvement through automation, tooling enhancements, and process optimization.
• Compliance & Governance
• Manage complaint escalations relating to card fraud investigations and outcomes.
• Support internal and external audits, regulatory reviews, and card-scheme assessments
• Ensure adherence to internal policies, regulatory guidelines, and industry best practices.
• Lead audits (internal/external), risk assessments, and compliance reviews related to card and merchant fraud.
• Leadership & Stakeholder Management
• Lead, coach, and develop card fraud investigators and card analysts.
• Promote a strong risk-aware and customer-focused culture within the team.
• Maintain high investigation quality standards through regular case reviews and quality assurance frameworks.

Qualifications

Experience Requirement:

• 5 years’ experience in card fraud investigation, financial crime, forensic analysis, or fraud risk management within a bank, fintech, payment service provider, or card processing environment.
• Proven hands-on experience investigating debit, credit, and prepaid card fraud, including card-present and card-not-present fraud typologies.
• Demonstrated experience conducting end-to-end forensic investigations, including transaction analysis, root cause determination, and loss quantification.
• Experience working with fraud monitoring systems, card management platforms, transaction monitoring tools, and data analytics solutions.
• Working knowledge of regulatory requirements, internal controls, and card scheme compliance standards relevant to fraud investigations.
• Experience collaborating with internal stakeholders (Fraud Risk, Operations, IT, Compliance) and, where applicable, engaging with law enforcement and external partners.
• Strong experience preparing clear, accurate investigation reports for management, audit, and regulatory purposes.

Academic Qualifications & Certifications

• Bachelor’s degree in finance, Accounting, Information Systems, Criminology, or a related field
• Over 5 years’ experience in card fraud investigations, forensics, or financial crime
• Professional certifications such as CFE, CAMS will be an added advantage.
• Experience within banking, financial services, or payment service providers preferred.

Key Responsibilities: 

Strategic Leadership

• Design and execute the Bank’s enterprise-wide Transactional Banking strategy, ensuring strong alignment with overall corporate objectives, growth priorities and customer value propositions.
• Champion innovation and digital transformation across payments, cash management, and distribution channels to enhance scalability, efficiency, and market competitiveness.
• Position Equity Bank as a market leader in payments and transaction banking, leveraging technology, partnerships and customer insights to deliver differentiated solutions.
• Enterprise Segment Enablement
• Design and deliver scalable transactional solutions that unlock growth across key customer segments, including:
• Retail transaction growth and digital payments adoption
• SME merchant acquiring, collections and working capital solutions
• Corporate and institutional cash management platforms
• Public sector collections, disbursements and treasury flows
• Partner with Segment Heads and Relationship Teams to strengthen client relationships through transaction-led value propositions and integrated banking solutions.

Payments & Cash Management

• Lead the development, commercialization, and scaling of best-in-class transaction banking solutions, including:
• Corporate cash management platforms
• Bulk payments and digital collections infrastructure
• Liquidity and treasury management services
• Oversee seamless integration with national and international payment schemes, ensuring interoperability, security, and operational excellence.

​​​​​​​Channels Leadership (ATM & Agency Banking)

• Provide strategic oversight of the ATM network, driving optimal coverage, uptime reliability and performance efficiency.
• Scale and strengthen Agency Banking, enhancing agent network growth, liquidity management and compliance governance.
• Optimize the Bank’s channel mix to improve accessibility, customer experience and cost-to-serve across the distribution ecosystem.

Merchant Acquiring & Digital Acceptance

• Lead the Bank’s merchant acquiring strategy, accelerating merchant onboarding and point-of-sale (POS) deployment across key sectors.
• Grow merchant revenue and transaction volumes through innovative payment acceptance solutions.
• Strengthen strategic partnerships with card schemes, fintech partners and payment technology providers.
• Expand e-commerce and digital acceptance capabilities, enabling businesses to thrive in the digital economy.

Financial Stewardship & Risk Management

• Own and drive the Transactional Banking P&L, delivering sustainable growth in fee and commission income.
• Strengthen revenue generation through transaction-led banking, deepening wallet share across all customer segments.
• Ensure full regulatory compliance and robust governance, aligning operations with applicable banking and payment regulations.
• Enhance fraud prevention, operational risk management, and internal controls, safeguarding the integrity and resilience of the Bank’s transactional platforms

Qualifications

Education and Qualification

• Bachelor’s Degree in a relevant field such as Finance, Banking & Finance, Business Administration, Economics, Accounting, Commerce or Information Systems/Technology.
• Master’s Degree in MBA (Master of Business Administration), Finance / Financial Engineering, Strategic Management, Digital Finance or Financial Technology (FinTech) is highly preferred.
• Professional Qualifications / Certifications in Payments & Transaction Banking Certifications, Risk & Compliance, General Banking / Leadership, Project & Change Management etc
• 12–15 years of progressive banking experience, with a strong track record in transaction banking, payments, or digital financial services.
• Minimum 7 years in senior leadership positions, demonstrating the ability to lead high-performing teams and drive enterprise-wide transactional initiatives.
• Proven experience managing P&L and delivering sustainable revenue growth across multiple transaction banking products and channels.
• Deep expertise in regulatory frameworks, payment systems, and operational risk management within banking and digital financial services.
• Experience serving diverse customer segments (Retail, SME, Corporate, Institutional, and Public Sector) is highly desirable.