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About the Role

x15ventures helps build and scale digital ventures, operating between corporate and startup environments. The Security team is small, agile, and cross-functional, supporting ventures with risk understanding and control implementation. As the Fraud & Scams Lead, you will be the subject matter expert, partnering with ventures to assess risks, implement controls, and ensure informed decision-making. This senior individual contributor role requires advisory, review, and risk assessment skills, with a focus on fraud and scams, but also contributing to broader cybersecurity efforts.

Responsibilities

Act as the primary fraud and scams adviser to venture leaders, product teams, engineers, operations, risk teams and executives.
Lead fraud and scams risk assessments for new ventures, products, customer journeys, partnerships and material changes.
Review the design and effectiveness of controls across the customer and transaction lifecycle, including identity verification, onboarding, authentication, account access, payments, transaction monitoring, customer interventions, reporting, complaints and recovery.
Support ventures identify and respond to relevant fraud and scam typologies, including identity fraud, account takeover, payment fraud, first-party misuse, platform abuse, impersonation and social engineering.
Assess how Australian laws, regulatory expectations, industry standards and CommBank Group requirements apply to x15 and individual ventures.
Maintain a current view of the Australian fraud and scams regulatory environment, including the Scams Prevention Framework, sector codes and rules, ASIC and ACCC expectations, and relevant consumer, financial services and complaints obligations.
Translate complex requirements and threat information into clear, practical advice for venture teams.
Produce concise risk assessments, control reviews and recommendations detailing issues, customer impact, likelihood, consequence, existing controls, and residual risk.
Partner with ventures to develop proportionate control uplift plans, balancing risk reduction, customer experience, commercial impact, and delivery effort.
Provide constructive challenge where controls or risk decisions are not appropriate, and support accountable leaders in making and documenting informed risk decisions.
Develop reusable standards, control patterns, assessment methods, and playbooks for consistent management of common fraud and scams risks across the portfolio.
Analyze fraud and scams trends, incidents, intelligence, and control performance to identify emerging risks and prioritize improvements.
Support significant fraud or scam incidents, including impact assessment, investigation support, root-cause analysis, and identification of control improvements.
Work closely with CommBank fraud, scams, cyber security, legal, compliance, and risk teams on shared capabilities, intelligence, dependencies, or Group requirements.
Build effective relationships with relevant external partners, vendors, and industry groups to enhance x15’s capability or understanding of emerging threats.
Contribute to broader cyber security advisory, assurance, and risk activities, particularly where fraud, identity, data, and cyber threats overlap.

Requirements

Strong practical experience in fraud and scams risk management, ideally within financial services, fintech, payments, digital platforms, or another customer-facing digital business.
Experience conducting fraud risk assessments, reviewing controls, and advising product or business teams on risk treatment.
A sound understanding of the Australian fraud and scams environment, including relevant regulatory expectations and industry developments.
The ability to assess how requirements apply to different legal entities, products, and operating models.
A strong understanding of customer journeys and how fraud controls can affect customer experience, accessibility, conversion, and operational workload.
Experience working with fraud controls such as identity verification, authentication, payment controls, monitoring, detection, customer warnings, or case management.
Strong analytical judgment, including the ability to work with incomplete information, identify material risks, and distinguish urgent issues from lower-priority improvements.
Clear written and verbal communication skills, with the ability to explain complex risks in plain English to technical and non-technical audiences.
Confidence to influence and challenge senior stakeholders while maintaining strong working relationships.
Ability to work independently, manage competing priorities, and adapt approach across ventures with different products, customers, and maturity levels.
A practical mindset, comfortable working in a lean team and finding solutions that improve risk outcomes without creating unnecessary process or bureaucracy.
An interest in cyber security and a willingness to build capability in adjacent areas such as identity security, incident response, threat modelling, and security assurance.

Skills

Fraud and scams risk management
Fraud risk assessments
Control reviews
Risk treatment advisory
Australian fraud and scams environment
Regulatory expectations
Industry developments
Customer journey analysis
Fraud control implementation
Identity verification
Authentication
Payment controls
Monitoring
Detection
Customer warnings
Case management
Analytical judgement
Written communication
Verbal communication
Stakeholder influence
Independent work
Priority management
Adaptability
Practical problem-solving
Cyber security
Identity security
Incident response
Threat modelling
Security assurance

Location

Australia

Work Type

Full-time

Experience Level

Senior

About the Company

x15ventures operates in the space between corporate and startup, helping build and scale digital ventures.
We give teams the freedom to move quickly while maintaining the safety, security, and resilience expected of businesses connected to CommBank.
Our Security team is small, agile, and cross-functional, working across x15 and its portfolio of ventures.