About Us
SBI Card is a leading pure-play credit card issuer in India, offering a wide range of credit cards to cater to diverse customer needs. We are constantly innovating to meet the evolving financial needs of our customers, empowering them with digital currency for seamless payment experience and indulge in rewarding benefits. At SBI Card, the motto 'Make Life Simple' inspires every initiative, ensuring that customer convenience is at the forefront of all that we do. We are committed to building an environment where people can thrive and create a better future for everyone.
SBI Card is proud to be an equal opportunity & inclusive employer and welcome employees without any discrimination on the grounds of race, colour, gender, religion, creed, disability, sexual orientation, gender identity, marital status, caste etc. SBI Card is committed to fostering an inclusive and diverse workplace where all employees are treated equally with dignity and respect which makes it a promising place to work.
Join us to shape the future of digital payment in India and unlock your full potential.
What’s in it for YOU
- SBI Card truly lives by the work-life balance philosophy. We offer a robust wellness and wellbeing program to support mental and physical health of our employees
- Admirable work deserves to be rewarded. We have a well curated bouquet of rewards and recognition program for the employees
- Dynamic, Inclusive and Diverse team culture
- Inclusive Health Benefits for all - Medical Insurance, Personal Accidental, Group Term Life Insurance and Annual Health Checkup, Dental and OPD benefits
- Commitment to the overall development of an employee through comprehensive learning & development framework
Role Purpose
The role is responsible for ensuring timely filing, engagement, and resolution of Police Complaints in PSA and fraud cases across India, to maximize recovery by leveraging deep knowledge and understanding of regulatory framework and laws of the land. The role is also expected to manage all employee fraud-related cases.
Role Accountability
- Drafting & Filing of Police Complainant/s subsequent follow-up for logical conclusion and conversion into FIR as per requirement
- Invariably filing of Police Complaints in all cases as per the regulatory/statutory requirement.
- Conversion of Police Complaints into FIR in Syndicate Fraud cases to book the fraudsters and to recover the defrauded amount
- Filing of Complaints and conversion into FIR in critical vishing fraud escalations (attempted / actual) with Cyber Police Cells and in skimming cases.
- Filing of Police Complaints against fraudsters in mobile number changes (account takeover) by some third parties Replying to police communications/legal notices in-house within defined TAT from police authorities Pan India, pursuing with police for conversion of the police complaint into an FIR in some critical -high-value fraud loss (sensitive to business) cases (as recommended by FRM)
- Filing court complaint under Sec.156 (3) of the CrPC for conversion of the same into an FIR through Court Order in by-cases. Coordinating with Police for all employees against criminal complaints/cases filed By Customers
- Coordinate with the Police Investigating officer & support by providing inputs for a detailed investigation & subsequent search, seizer, and arrest of the fraudsters (By case)
- Coordinate with Police Authorities and simultaneously also convince the accused to deposit the defrauded amount. Pray before the Courts for issuing directions to the fraudsters to deposit the defrauded amount.
- Specific filing of Employee-related frauds and follow-up for conversion into FIR to have a deterrent effect on all other Employees. To recover the employee-related fraud amount through Court intervention
- Handle/monitor all discussions of recovery / out-of-court settlement with the representatives of the named accused (By cases) Provide Case details & other investigation inputs for all police correspondence/notices (Filed by Company or Customer on a Fraud issue)
- Ensure adequate infrastructure and framework including the right resourcing, and empanelment of the LEA consultants / Advocates across locations to expedite the cases. Work to maximize the recovery of fraud loss through LEA Engagement and Complaint Filing.
- Central support in all LEA matters (Police HQ & Bank Fraud Section / EOW / Cyber Cell etc.) for resolution of issues raised during day-to-day fraudulent activities & tracking the developments of the complaints lodged by the Company in all high-value/employee-involved fraud cases including recovery
- Validating all Correspondence / Notices related to Law Enforcement Authorities pertaining to Fraud Risk Management Litigation including Sec 91 CrPC Notices. The notices are replied to within the TAT to provide support to the Police Authorities.
- Monitoring FRM Litigations filed. Providing support to the Local Police Authorities in the Arrest of Fraudsters. Recovery of Fraud Loss through the able filing of a police complaint in all high value / sensitive racket fraud cases and subsequent follow-up / Court complaints / Return of Property / Negotiation by personally engaging in the same
- Provide support to different state police in an interstate ramification/syndicate case.
- Coordinate with law enforcement authorities through conducting police training/workshops on Credit Card & Online Fraud.
- Maintain a repository of the FRM Complaints / Cases and the same are reported to the internal Stakeholders and the Apex Committees of the Company
- Discussing and formulating a strategy for recovery of the defrauded amount in consultation with the Litigation Head and the support of the Legal Litigation Assistant. Also, devise ways and processes to expedite the conversion of Police Complaints into FIR wherever required.
- Coordinate and conduct educative sessions with the Regulators/LEAs to educate the general public about Cyber Crimes.
- Contest the Bail Applications against Fraudsters on behalf of the Company in District Courts and High Courts across PAN India.
- Pursue the Criminal Complaints during investigation and support to Investigation Officers for recovery in Syndicate Fraud matters.
- Arrange for closure reports in FRM and PSA cases to comply with RBI guidelines
- Reply of Sec 91 CrPC notices to Police Authorities well within TAT
Measures of Success
- Ensuring 100% filing of Police Complaints / FIRs required as per the regulation.
- No. of Arrests of Fraudsters against the Complaints / FIRs files.
- Contest bail applications in Fraud Loss cases handled to improve recovery
- Number of LEA trainings and general awareness sessions done as per schedule
- In-house appearance before the Courts and the Law Enforcement Authorities for cases relating to data security and ensure reduction in cases
- No adverse internal audit observations
- Reply to legal and S.91 Cr. Pc. notices within defined TAT and ensures no case adverse remark for non-replying.
- Process adherence as per agreed MOU
Technical Skills / Experience / Certifications
Criminal litigation, Drafting & Filing of Police Complaints
Competencies critical to the role
- Negotiation and mediation
- Verbal and written communication
Qualification
LLB
Preferred Industry
FSI
