Fraud Risk Management Lead
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Job Description
Analytics professional responsible for credit decisions and portfolio management leveraging financial data interpretation. Supporting risk management strategies within the fraud risk management team.
Responsibilities:
- Analyze new applicant data to support automated and manual credit decisioning
- Work with data extracted from business financial statements, tax documents, and banking integrations
- Leverage insights from adjacent product usage to evaluate risk profiles
- Build dashboards or tools to surface real-time indicators for underwriting and fraud detection
- Monitor account-level behavior post-origination, including spend and payment patterns, credit utilization, and engagement
- Identify signs of weakening creditworthiness using internal data and third-party credit reports
- Track and analyze delinquency trends and payment consistency to refine risk models and collections strategies
- Support P&L analysis of the unsecured credit card product, including interchange income, interest revenue, rewards cost, and charge-off rates
- Build models to evaluate customer lifetime value, profitability segmentation, and risk-adjusted returns
- Assist in identifying drivers of loss and opportunities for margin improvement.
Requirements:
- 5–15 years of hands-on fraud risk management experience with direct ownership of detection and loss management across consumer and small business products
- Deep subject matter expertise across all three fraud typologies — first-party, third-party, and synthetic identity
- Fluent in the fraud signal stack: device fingerprinting, IP intelligence, identity graph analysis, behavioral biometrics, velocity rules, and ML-based anomaly detection
- Understands DDA fraud vectors at a product level: ACH origination and return abuse, check fraud, Reg E dispute dynamics, and the intersection of payment fraud with account takeover
- Analytically self-sufficient: proficient in SQL and Python or R
- Familiar with the regulatory and compliance overlay on fraud: SAR filing thresholds, Reg E obligations, FCRA considerations for adverse action, and BSA/AML red flags that overlap with fraud patterns
- Operates at a senior thinking level relative to peer cohort
- Instinctively thinks from the other side of the table: models how a bad actor would exploit a product, policy gap, or verification weakness
- High quantitative aptitude with strong intuition for when loss or dispute trends don't pass the smell test
- High-energy, end-to-end owner who thrives in environments where detection infrastructure is still being built and the threat landscape is actively evolving
- Effective communicator who can translate complex fraud dynamics — ring structures, synthetic identity clusters, bust-out cohorts — into crisp narratives for risk committees, product teams, and senior leadership.
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