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.

We are looking for a Financial Analyst, Regulatory Reporting & Treasury to join our Finance, Reporting & Control team.

What is this role about?

In this newly created, critical role, you will be responsible for the preparation and submission of accurate APRA regulatory reports. You will work closely with various departments to gather necessary data and ensure timely reporting. Daily monitoring and reconciliation for the Treasury function, responsibility for internal reporting and monitoring of prudential limits; and ensuring a robust control environment where risk is managed on a daily basis.

Here's more of what you’ll work on:

• Ownership and maintenance of the team’s regulatory reporting requirements calendar
• Preparation and submission of Group Finance’s APRA reporting requirements, primarily including Balance Sheet, Liquidity, Risk and Capital Adequacy reporting
• Collaborate with finance, risk, and compliance teams to gather and validate data for reporting purposes
• Conduct data analysis and ensure completeness of regulatory returns
• Assist in Regulatory Capital reporting to the Board and sub-committees
• Preparation of Regulatory Capital forecasting
• Providing support and inputs to the Risk team to assist them in discharging their APRA governance and risk management duties
• Preparation of daily Treasury control functions (P&L review, reconciliations)
• Daily and monthly monitoring of prudential limits (e.g. APS 110/111 Capital, APS 221/222 exposures) in line with internal policy and APRA requirements
• Conduct detailed analyses of treasury data to identify trends and variances
• Maintain and reconcile Treasury related general ledger accounts to ensure accuracy and integrity of financial data, as well as resolve and escalate reconciliation issues in accordance with policy
• Ensure all assigned tasks are performed per documented internal policies

Key Responsibilities:

• Design and implement the enterprise-wide data architecture strategy, including hands-on development of proof-of-concepts for new technologies and frameworks
• Architect and actively develop complex distributed systems that can scale across multiple regions and handle diverse data workloads
•  Develop, manage, and optimize ETL processes using Azure Data Factory to ensure accurate data integration across global databases
• Design, build, and maintain Microsoft SQL Server databases, ensuring data is well-organized, accessible, and secure
• Lead by example through hands-on development and implementation of advanced data processing frameworks that can be reused across multiple teams
• Define technical standards and best practices for data engineering across the organization through practical implementation and documentation
• Evaluate emerging technologies through proof-of-concept development and make recommendations for adoption or retirement of data technologies
• Identify and implement performance optimization strategies for ETL processes and reports to ensure optimal user experience
• Monitor and troubleshoot complex data processes to ensure uninterrupted service to global teams, including working occasionally outside regular business hours to support multiple time zones
• Create and maintain comprehensive technical documentation, architectural diagrams, and best practices
• Ensure data governance and compliance principles are maintained across all architectural decisions
• Communicate technical information to non-technical stakeholders effectively, tailoring the messaging as needed for diverse audiences
• Mentor and guide team members in technical best practices and architectural principles
• Collaborate effectively with cross-functional teams, including data scientists, analysts, and business stakeholders

Required Technical Skills:

• Expert-level proficiency in SQL and database optimization techniques
• Hands-on expertise in Azure services, particularly Azure Data Factory, Azure SQL Database, and Azure Analysis Services
• Deep practical experience with Data Warehousing using Kimball and STAR schema
• Strong coding abilities in at least one programming language (Python, Java, or C#)
• Hands-on experience with distributed computing frameworks
• Practical experience implementing data streaming solutions
• Expert knowledge of performance tuning and optimization techniques