Our client’s success is our success. And you make it happen 
 
Payment systems are complex, regulated and ever-changing. And, while we may be small, we are at the forefront of innovation punching above our weight. We’re enabling the future for our clients through tech like digital payment solutions, the New Payment Platform (NPP), buy now, pay later, and open banking.  
 
Our product teams are the eyes and ears of Cuscal. They’re client-focused relationship managers, serving everything from business development, marketing, fraud, and customer support. They work out what clients need, so we can build it and launch it… often, in months, not years.  
 
We are looking for a Data Scientist to join our Financial Crime Team and help advance our Financial Crimes monitoring program  

As payment methods evolve, so too do the efforts of criminals in their attempts to defraud businesses and consumers.  From sophisticated online scams to identity theft and phishing. We’re looking for a Data Scientist to continue to drive forward Cuscal’s robust fraud monitoring solutions that leverage artificial intelligence (AI) and Machine Learning (ML) to stay ahead of emerging fraud trends, while protecting our clients; their customers, brand, and balance sheets.  

Reporting to the Senior Data Scientist, the Data Scientist will identify, prioritise and undertake a range of research and analytical activities leveraging all available data assets to help solve complex business problems.  

About the Role: 

1) Data Science Strategy and Planning: 

• Develop Cuscal fraud detection and prevention strategies to stay ahead of emerging fraud trends and evolving threats.  

• Formulate a coherent cross-business approach and strategic/tactical plan for big data initiatives. 

2) Data Analysis and Modelling 

• Conduct proactive, in-depth analysis of multiple data sets to prevent high-risk and financial crimes activity and emerging threats or optimize current monitoring across multiple channels, including cards, 3D secure, digital wallets, real-time payments, and PayTo.  

• Develop and optimise predictive modelling software programs, algorithms, and automated processes to cleanse, integrate, and evaluate large data sets from multiple disparate sources. 

• Perform deep-dive analyses of experiments through reliable modelling methods that include numerous explanatory variables and covariates.  

• Translate analytical insights into concrete, actionable business, process, or product improvement recommendations. 

3) Continuous Improvement: 

• Deliver continuous improvement activities to prevent threats while optimizing customer experience and operational outcomes, including improvements to identify undetected fraud.  

• Ensure all processes for data analysis, machine learning models, and model governance are aligned to Cuscal’s AI strategy, including best practice guidelines for instrumentation and experimentation. 

• Adopt data science best practices to deliver quantitative improvements to the analytics and process modelling functions.

About You: 

• University qualification in data science, Computer Science, Statistics, or a related field. Industry certifications related to data science and fraud detection highly regarded  

• Demonstrated experience working with tools that deploy fraud rules and Machine Learning algorithms. 

• Financial Services experience in payments, Card payments, Acquiring, 3D secure, Digital banking and real-time payments. Experience in fraud and financial crimes is desirable.   

• Understanding of relational databases and programming, including SQL, R, and Python 

• Experience interpreting data from visualisation tools such as PowerBI and visualisation libraries such as Matplotlib, Seaborn, and Plotly. 

• Data mining of large data sets to identify emerging patterns, trends and opportunities. 

• Knowledge of Natural Language Processing and Large Language Models is desirable.  

Join us at the forefront of payments 
   
Why Cuscal? 
We are in the rapidly evolving world of payments, and we are committed to providing a diverse and inclusive workplace where the very best talent in Australia chooses to work. We support our colleagues with flexible work arrangements through our hybrid model whilst also offering a wide range of educational, financial, lifestyle, health & wellbeing benefits. 
 
Next Step 
If you think this role is the right fit for you, we invite you to apply. Let’s explore who you are and what drives you. We’d love to share our vision for the future of the payments sector. Please note candidate screening and interviews may be conducted prior to the closing date of the job advert. 
     
Cuscal does not accept unsolicited resumes from recruitment agencies and search firms. Please do not email or send unsolicited resumes to any Cuscal employee, location or address. 

As part of the Line 2 Risk Office, you will work in a diverse and varied capacity to continue to uplift risk management capabilities at TAL.

This role is responsible for the oversight of TAL’s financial risks including the management of the Risk Appetite Statement, ICAAP Summary Statement, Recovery Plan and other risk policies and frameworks. You will work closely with business and actuarial teams to
provide advice and oversight to strengthen financial and insurance risk governance and play a key role in overseeing product sustainability for TAL’s existing and new businesses.

• Provide risk and compliance advice, insights and challenge to support the embedment of the Risk Management Framework with a focus on financial risks.
• Lead the design, implementation and maintenance of the Risk Appetite Statement and the Recovery Plan.
• Partner with the Capital team to enhance and challenge the Internal Capital Adequacy Assessment Process (ICAAP) framework.
• Provide insights and coordinate the development of stress scenarios.
• Establish strong relationships with business stakeholders to embed and increase awareness of the Risk Management Framework.
• Provide risk advice on projects relating to the financial risk portfolio.
• Conduct reviews on emerging risks and other focus areas.
• Present the outcomes of reviews to senior management and at Board or committee meetings.
• Provide guidance and support to direct report and other members of the broader Risk Office.

As a Business Analyst at Bilue, you’ll bridge the gap between stakeholders and technical teams, ensuring business needs are clearly understood and translated into actionable solutions. You’ll play a key role in gathering and documenting requirements, liaising with internal stakeholders to understand their needs and with third parties to gather and document information about integrations, ensuring all dependencies are identified and met. This role offers the opportunity to grow your skills while working on diverse projects in a collaborative environment.

Key Responsibilities

• Collaborate with stakeholders to define requirements, identify gaps, and develop solutions aligned with business goals.
• Collaborate with cross-functional teams to define project scope and objectives.
• Develop and maintain clear and detailed documentation, including user stories, process flows, and functional specifications.
• Identify opportunities for process improvement and recommend solutions.
• Support the development team during implementation by clarifying requirements and addressing questions.
• Assist in user acceptance testing (UAT) to ensure solutions meet business needs.
• Facilitate workshops, meetings, and presentations with stakeholders to gather input and provide updates.

Position Type :

Type Of Hire :

Travel Percentage :

We are FIS. Our technology powers the world’s economy and our teams bring innovation to life. We champion diversity to deliver the best products and solutions for our colleagues, clients and communities. If you’re ready to start learning, growing and making an impact with a career in fintech, we’d like to know: Are you FIS? About the role: As a Product Owner. You will work closely with Product Managers, Developers, Devops, Architects etc to design, build, implement and test quality technical or functional solutions.

What you will be doing:

• Understands product strategy, market, industry, and client goals.

• Works with stakeholders to understand business problem statements and convert them into user stories.

• Articulates product vision and user stories in a manner clearly understandable to development teams.

• Manages backlog of user stories for one or more projects/features.

• Establishes user story acceptance criteria, accepts user stories, refines stories with Scrum teams.

• Reviews and provides feedback on test plans to ensure application changes meet acceptance criteria.

• Creates Sprint Release Plans with input from development teams.

• Monitors the development progress and provides updates to stakeholders as requested.

• Leads planning and review meetings to communicate feedback on development achievements.

• Interacting with product owners and product managers to define/translate requirements and modifications into product designs

• Maintain and develop knowledge of treasury requirements and current regulations that apply to our current and prospective clients.

What you will need:

• Knowledge of financial services industry

• Basic understanding of Payments (electronic fund transfer-EFT, payments), Gateway and Cash Mmanagement.

• General IT knowledge, be able to communicate technical concepts concisely and effectively.

• Strong communication and people skills

• Strong work ethic, and responsive to internal and external clients and contacts

• Sound analytical, and problem-solving skills.

• A high degree of numeracy and a capacity for complex concepts.

• A team player, which can also work independently under minimum supervision

• Ability to work under pressure, achieve deadlines and effectively prioritise concurrent tasks

• Possesses the desire to increase knowledge and skills when circumstances call for additional learning.

Added bonus if you have:

• Background with Corporate treasury, finance knowledge, payment processing or banking is a big plus.

• The Certified Scrum Product Owner professional certification is preferred

• Experience in a SaaS environment.

• Experience with the agile development process

• Extensive knowledge of ISO20022

• Sound knowledge of SWIFT/MT/MX messaging and flows

• Experience working with APIs (understand schema, principle, integration and exceptions)

What we offer you:

A career at FIS is more than just a job. It’s the change to shape the future of fintech. At FIS, we offer you:

• An opportunity to work with a leading, global Fortune 500 Fintech
• A flexible, hybrid work environment
• Competitive salary and benefits including medical insurances and shareholding

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Privacy Statement

FIS is committed to protecting the privacy and security of all personal information that we process in order to provide services to our clients. For specific information on how FIS protects personal information online, please see the Online Privacy Notice.

Sourcing Model

Recruitment at FIS works primarily on a direct sourcing model; a relatively small portion of our hiring is through recruitment agencies. FIS does not accept resumes from recruitment agencies which are not on the preferred supplier list and is not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company.

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