Manager, Anti-Fraud

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
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

Why join us?

• 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