How does the bank's risk control department monitor risks? What are the monitoring contents?

If your card has abnormal consumption, for example, the consumption time is inconsistent with the ordinary time, and there is a sudden large-scale off-site transaction, it will basically be considered risky. After the risk is confirmed, the bank will immediately call the cardholder to confirm it, or directly seal it for a rainy day to protect property safety.

I suggest that when you swipe your card, you should spend reasonably and repay on time. Put an end to illegal snapping up and other acts. Once a serious violation is found, it is not as simple as card reduction or card exemption. The development prospect of risk management department is also very good. Generally speaking, employees in risk management departments mainly have the following three career development channels.

Promotion within the department. Many people are clerks or business personnel at the beginning of entering the department, and will gradually develop into deputy managers, managers, deputy general managers of departments, general managers of departments, risk directors, vice presidents of subjective risk lines and even vice presidents and general managers of risk lines of superior banks. Secondly, the partners of the risk management department can also achieve cross-bank development within the industry. The departments related to the Risk Management Department include the audit line and the risk management line of the Board of Directors. If you are lucky enough to meet the recruitment of high-level positions in these banks, you can consider changing jobs and achieving promotion.

Finally, the risk management line outside the bank jumped ship. Many people will jump to the high-risk management line of newly established local banks or low-level banks with large scale and great influence when there is no hope of promotion in their banks. Relevant professional knowledge. Compared with business lines, risk management departments will use more knowledge about money and credit, macro-control, credit management, bank management, risk management, compliance management or law, which requires us to have a certain understanding and grasp before we really start work.

In order to do a good job, you need to learn some general basic knowledge related to risk management, such as cognitive thinking, logic, probability theory, economic application writing and so on. At the same time, you also need certain communication and coordination skills.