Digital Business Expert - Fraud Area

We are looking for a Digital Business Epert in the Fraud area that will help us design and implement the right preventive and detective controls across our customer journeys-ensuring a secure, compliant and low-friction eperience.

You will translate business needs and new product/feature flows into fraud control requirements and delivery plans, working with squads throughout the whole product lifecycle and acting as a bridge between Business, Fraud Operations, Risk/Compliance and IT.

You can move from a concept/idea to a functional definition and customer journey, cutting through compleity to define a MVP of antifraud measures that delivers protection with minimal customer friction.

You understand, at a high level, ING architecture, data sources, building blocks and channels to determine what front/middle/back capabilities are required to embed fraud controls in each journey.

You will define definitions of Ready and Done, and acceptance criteria for user stories related to antifraud features-together with the IT and Fraud Operations teams.

You are the Business Guardian of your product/service, working with Risk, Compliance and Legal to ensure that our controls and processes comply with applicable regulations and internal policies.

You have an end-to-end responsibility to provide customers the safest and most reliable way to interact with us, balancing protection and eperience, and ensuring our controls support business growth objectives.

You will work closely with customers and key stakeholders to deliver the initiatives that respond to ING Spain's vision, strategy and road map.

You are passionate about customer eperience and operational ecellence, and you bring a data mindset to observe, measure and improve the performance of antifraud controls and processes.

You work in Agile squads, always focused on delivering value fast and continuously improving the way we work. You are also an active member of a Chapter, contributing to craftsmanship and best practices.

You are a team player, actively involved in the maintenance, evolution and realization of new fraud prevention & detection capabilities. As an epert, you provide the business know-how and skills within the squads to realize the shared Tribe purpose., * Translate business needs and new flows into antifraud requirements and delivery plans.

• Prioritize the backlog in short cycles based on value (risk reduction, C impact, regulatory needs).
• Define MVPs of controls and iterate using customer and operational feedback.
• Manage dependencies, non-financial risks and impediments.
• Slice Epics Features User Stories ensuring they follow INVEST principles and include clear acceptance criteria (functional, C, risk, data & monitoring).
• Ensure production quality, including post-go-live monitoring and rollback/contingency where needed.

Fraud Strategy & Controls

• Define and embed preventive and detective controls across the main journeys (e.g., onboarding, authentication, payments & transfers, cards, lending and servicing).

Process & Operations

• Design end-to-end operating procedures and SLAs with Fraud Operations, Contact Center and Disputes/Chargebacks.
• Define runbooks/playbooks for incident response and attack waves together with IT & Risk.

Product & Service Strategy

• Manage the lifecycle of antifraud features and processes to maintain an attractive, compliant and efficient value proposition.
• Build business cases (fraud loss avoided, C impact, cost/benefit) and track benefits after implementation.

Contribute to commercial outcomes by enabling safe growth.

Data Fluency

• Define and analyze KPIs & KRIs (e.g., fraud rate, attack rate, block rate, false positive rate, customer friction, time-to-detect, case handling times).
• Use data to generate insights, run eperiments and drive faster, better decisions.

Risk, Compliance & Governance

• Ensure alignment with internal policies and applicable regulatory requirements in Spain and the EU.

Maintain clear documentation (processes, data lineage, controls, decisions) and support audits and reviews.

• Master or bachelor's degree with a minimum of 4 years of professional eperience in product/process/customer journey roles-eperience in fraud management (financial services, e-commerce, telco or similar) is a strong plus.
• Proven capability translating business needs into delivery requirements, working closely with IT and Operations.
• Curiosity to understand the industry, bank and customer dynamics and how fraud patterns evolve.
• High-level understanding of IT basics (integrations, data flows, events, APIs, architecture diagrams).
• Planning & organizational skills.
• Combination of analytical and pragmatic mindset to deliver outcomes with measurable impact on customers and bank results.
• Driven, customer-focused, results-oriented person with a strong sense of ownership.
• Able to work autonomously, take initiative and make things happen with a can-do attitude.
• Clear communication skills (written and oral).
• Problem-solving mindset and bias to action.
• Great team player, collaborative with diverse stakeholders.
• Ecellent English (oral and written). Spanish is a plus.
• Versatility and eperience across several business domains is a plus; familiarity with fraud tools (monitoring/case management/rule engines) is desirable.