Sr. Director, Fraud Analytics and Strategy joins the US Risk division to lead the end-to-end application and transaction fraud agenda for North America lending products. In this player-coach role, you will manage fraud analytics, policy, decision strategy, customer authentication, and process design while overseeing the technology roadmap within the Risk IT framework. You will build a scalable fraud management capability to reduce losses while improving authorization rates and reducing customer friction. Key responsibilities include modernizing transaction fraud decisioning, implementing layered defenses against identity and synthetic fraud, and managing vendor relationships for fraud and case-management solutions. The ideal candidate possesses deep expertise in payment risk, decision science, and the card lifecycle. Required skills include advanced SQL proficiency and experience with Python, SAS, or R to analyze large datasets and turn monitoring into actionable controls.
Develop end-to-end fraud strategies to defend against identity, synthetic, velocity, and organized fraud.
Manage the fraud platform by overseeing rules, models, and decisioning logic for transaction security.
Reduce customer friction by minimizing false-positive declines and streamlining authentication processes.
Lead vendor selection and implementation for fraud, identity, and case management technologies.
Establish fraud policies, governance frameworks, and rapid-response protocols for high-priority escalations.
Translate data analytics into actionable controls by monitoring trends and early-warning indicators.
Manage a team of professionals while serving as the senior point of escalation for material fraud events.
What we're looking for
Bachelor’s or Master’s degree in a quantitative, technical, or business discipline.
10+ years of fraud risk, strategy, analytics, payments risk, or decision science experience.
5+ years of experience leading teams.
End-to-end experience across application and transaction fraud, including identity verification, authentication, account takeover, and payment authorization controls.
Experience owning fraud detection platforms and partnering with technology teams on requirements, testing, deployment, and monitoring.
Experience selecting, implementing, and managing fraud, identity, data, or technology vendors.
Strong analytical skills with large datasets and advanced SQL proficiency; experience with Python, SAS, or R is preferred.
Experience with commercial cards, B2B payments, or leading a fraud platform implementation is preferred.