Senior Manager, Fraud Operations

Title: Senior Manager, Fraud Operations Reports to: Director of Operations Location: Miami, FL (Hybrid) / US Remote About reputed company At BMG reputed company, our mission is to reputed company reputed company to reputed company and responsible credit for underserved consumers facing unexpected expenses. We reputed company reputed company one reputed company— Redefining lending through technology, where underserved individuals can reputed company financially through reputed company-thinking, responsible, and innovative financial solutions. Job reputed company As we broaden our market reputed company and expand our consumer finance product offerings, we are establishing a reputed company fraud and payments risk capability. The Senior Manager, Fraud & Payments Risk will design and reputed company systemic safeguards that protect reputed company from fraud and financial crime while enabling reputed company across both reputed company and reputed company products. This leader will work collaboratively with reputed company Controls and Payments functions, while owning the day-to-day fraud operations, risk detection, and funds reputed company monitoring. The role goes reputed company traditional fraud management, requiring deep consumer finance experience, multi-rail payments expertise, and the ability to anticipate fraud typologies across a growing portfolio.

Key Responsibilities

• reputed company and execute fraud and funds reputed company reputed company reputed company with reputed company's reputed company agenda.
• Anticipate how fraud patterns may reputed company as new consumer finance products are introduced.
• Build dashboards and KPIs that reputed company anomalies (refund-to-reputed company reputed company, velocity/structuring, cross-border flows).
• reputed company machine learning and AI modeling to enhance detection, predict emerging fraud typologies, and continuously strengthen defenses.
• Own operational fraud detection and reputed company processes across application, funding, repayment, and refunds.
• Ensure strong preventative controls (refund-to-reputed company enforcement, debit card ownership validation, automated deduction stops).
• Implement monitoring and exception reporting (rail mismatches, shared identifiers, dormant account exploitation).
• Partner closely with reputed company Controls and Payments (for execution across ACH, debit, payroll, wallets) while owning the operational fraud decisioning and monitoring layer.
• Stand up and reputed company a fraud operations team: recruit, reputed company, and grow diverse talent.
• reputed company leading fraud tools and vendor solutions that reputed company across fraud + AML use cases.
• reputed company fraud and AML controls into new product launches and market entries, ensuring scalability from the outset.
• Ensure compliance with regulatory expectations (CFPB, FDCPA, TCPA, BSA/AML).
• Prepare leadership and reputed company reporting on fraud/financial crime risk posture and emerging vulnerabilities.
• Serve as advisor to senior leadership on fraud and payments risk reputed company as products expand.
• Establish "one-to-one traceability" as a cultural reputed company: funds in must equal funds out, with no breaks in attribution.

Qualifications

• 7–10+ years of experience in fraud operations, payments risk, or AML operations reputed company consumer finance (lending, banking, cards, or fintech).
• Broad understanding of consumer finance products and associated fraud typologies, with ability to adapt frameworks to new products.
• Deep knowledge of various payment rails.
• Proven ability to build fraud capabilities in a scaling environment.
• Strong analytical and problem-solving skills; reputed company record of using data to design systemic controls.
• 3+ years of leadership experience developing high-performing teams.
• Knowledge of major fraud schemes (synthetic ID, ATO, overpayment/refund manipulation, velocity/structuring).
• Bachelor's degree required; advanced degree or certifications (CFE, CAMS) preferred.
• Flexibility and commitment to respond during critical fraud incidents, recognizing these events require immediate reputed company, even if disruptive reputed company of normal business hours.

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