Ocean Bank is seeking an experienced Payments and Fraud Governance Manager to lead fraud risk management, payment operations governance, and regulatory compliance across ACH, wire transfers, and other payment channels. This role is ideal for a banking operations leader who combines strong fraud prevention expertise, operational control discipline, and executive-level communication skills.  Comfortable balancing customer experience, operational efficiency, fraud loss mitigation, and compliance requirements.  In this position, you will help strengthen the Bank’s control environment, reduce fraud and operational losses, support customer protection programs, and ensure compliance with applicable regulatory requirements, including NACHA Rules, Regulation E, BSA/AML, OFAC, UCC Article 4A, and related payment system guidance.

Key responsibilities:

• Lead the governance, risk management, and operational oversight of fraud prevention, ACH operations, wire transfer services, and related payment channels.
• Develop and execute strategies to detect, prevent, investigate, and mitigate fraud across digital banking, ACH, wires, debit cards, checks, Zelle, and emerging payment platforms.
• Oversee fraud claims, disputes, investigations, exception processing, recalls, returns, reversals, and customer protection processes.
• Maintain strong internal controls, segregation of duties, audit readiness, issue tracking, and remediation practices.
• Ensure compliance with applicable payment, fraud, consumer protection, sanctions, and anti-money laundering requirements.
• Establish and monitor department goals, key performance indicators, service standards, risk tolerances, and operational controls.
• Partner with Information Technology, Compliance, Risk, Audit, Legal, and business stakeholders to enhance systems, strengthen controls, and support process improvement initiatives.
• Manage vendor relationships with fraud detection providers, payment processors, core system vendors, and network providers.
• Prepare and present fraud trends, operational performance, risk assessments, and governance updates to senior and executive management.
• Lead, coach, and develop team members while promoting accountability, customer service, risk awareness, and continuous improvement.

Requirements

1. Bachelor's Degree in Business Administration, Finance, Accounting, Risk Management, or related field.

2. 7+ years of Audit governance Experience.

3. 5+ years of Bank Operations.

4. 5+ years of Management experience.

5. Extensive experience in:

• Payment Risk Management
• Regulatory Compliance
• Operations Controls
• •  

Combination of education and experience will be considered. 

Skills & Competencies

1. Strong knowledge of:

• Regulation E
• NACHA Rules