Job Description
Key Responsibilities
- Set Fraud Strategy & Coverage: Define fraud prevention strategy across real-time payment channels, including risk appetite and control coverage.
- Own Real-Time Decisioning: Design and manage fraud rules, decision logic, and detection strategies within real-time decisioning platforms.
- Lead Platform & Capability Build: Drive enhancements and implementation of fraud rules engines and decisioning platforms in partnership with engineering.
- Optimize Performance Outcomes: Monitor and improve fraud detection, false positives, and client friction through ongoing control tuning and performance management.
- Leverage Data & Models: Use analytics and model insights to identify trends, refine strategies, and improve detection effectiveness.
- Partner Cross-Functionally: Collaborate with Product, Engineering, Risk, and Operations to embed fraud controls into customer journeys and new product launches.
- Ensure Strong Governance: Maintain disciplined control testing, monitoring, and adherence to risk and regulatory standards.
Qualifications
Required Experience
- 4+ years in fraud risk, payments risk, or financial crimes
- Expertise in: Account takeover, social engineering, and transaction fraud risks within retirement and workplace channels
- Proven experience managing real-time fraud decisioning environments and rules strategies
- Strong experience partnering across Product, Engineering, Risk, and Operations
- Bachelor’s degree in Statistics, Mathematics, Data Science, Finance, Computer Science, or a related field. Graduate degree preferred.
Technical & Analytical Skills
- Expertise in fraud rules engines / decisioning platforms
- Strong analytical capabilities (data analysis, segmentation, performance optimization)
- Working knowledge of fraud models / machine learning concepts and model governance
- Ability to translate data into actionable fraud strategies and business decisions
- Strong experience with analytical tools such as Python, R, SAS, SQL, and platforms such as Tableau or Power BI.
Leadership & Communication
- Excellent communication and executive storytelling skills.
- Highly collaborative with a track record of driving alignment across teams.
Special Factors
Sponsorship
Vanguard is offering visa sponsorship for this position.
