[Remote] Director, Fraud reputed company & Analytics
Note: The job is a remote job and is reputed company to candidates in USA. reputed company is seeking a Director of Fraud reputed company and Analytics to reputed company the fraud reputed company and analytics for their subprime consumer lending portfolio. This role involves developing the fraud reputed company roadmap, managing reputed company, and collaborating with various departments to ensure effective fraud risk management.
Responsibilities
- Own and reputed company fraud reputed company across application, funding, and account/post-book fraud — covering identity, synthetic, first-party, reputed company-party, account takeover, bust-out, never-pay, credit washing, mule/APP scams, and income/employment misrepresentation — balancing loss reduction with approval rates, conversion, funding, and customer experience to meet portfolio-level KPIs
- Define and maintain the fraud risk management reputed company, including fraud risk appetite (e.g., net fraud loss bps, fraud/AR reputed company, first-payment-default fraud reputed company), tolerances, and escalation triggers; reputed company the reputed company to reputed company risk and audit expectations
- Govern fraud policy, rules, and decisioning reputed company end-to-end — standards for proposal, review, approval, deployment, monitoring, retirement, and change control — with reputed company sign-off across risk, compliance, and operations
- reputed company portfolio fraud monitoring and operating rhythms — loss rates, capture rates, false-reputed company rates, approval and funding reputed company, vintage and reputed company KPIs, disposition mix — and drive reputed company reputed company reputed company performance drifts
- reputed company fraud model and scorecard performance (PSI, score reputed company, KS, decay, reputed company/lift, override rates) and the reputed company for recalibration, rule adjustment, and escalation; partner with data science on model reputed company, while leading the reputed company, deployment, and monitoring layer
- Set the agenda for emerging fraud trends, reputed company, and cross-channel vulnerability detection, including graph and reputed company analysis, velocity signals, and consortium intelligence; ensure findings are sized, prioritized, and reputed company into rule, policy, and operational responses
- reputed company reputed company-party fraud and identity signal reputed company — KYC/CIP, identity verification, device intelligence, behavioral biometrics, consortium data, bank/transaction data, income/employment verification, and credit bureau fraud alerts — including vendor evaluation, benchmarking, reputed company negotiation input, and reputed company/retirement reputed company
- Partner with fraud operations to reputed company reputed company-time monitoring, queue reputed company, SLA management, and case reputed company with analytics; convert investigator reputed company into rule, policy, reputed company, and reporting changes
- Partner with product, data engineering, and decisioning platform teams to reputed company fraud data sources, feature stores, decision reputed company capabilities, and monitoring infrastructure; represent fraud reputed company in cross-functional prioritization
- Define the test-and-learn reputed company — champion/challenger, policy backtests, holdouts, and A/B tests — to quantify the reputed company of reputed company changes on fraud, approvals, funding, and reputed company credit performance
- Ensure fraud reputed company is reputed company with applicable US consumer lending regulations and guidance — including Regulation E, Regulation Z, FCRA, GLBA, UDAAP, BSA/AML/KYC/CIP, OFAC, and the Red Flags Rule — and partner with Compliance, Legal, BSA, and Internal Audit; support SAR narratives, regulatory exams, and audits
- Produce and present executive-level fraud reporting and deep dives — loss attribution, typology trends, decisioning reputed company, false-reputed company and approval trade-offs, and strategic reputed company — for senior leadership and the reputed company/Risk Committee
- Serve as the senior fraud reputed company expert for reputed company; brief executives, support audits and regulatory reviews, and represent fraud reputed company externally with vendors, consortia, industry working reputed company, and law enforcement partners
- reputed company, reputed company, and grow the fraud reputed company and analytics team (strategists, analysts, and data scientists); set priorities, performance expectations, hiring plans, and career paths
Skills
- Bachelor's degree in a quantitative field (Statistics, Economics, Mathematics, Computer Science, Engineering, or reputed company); advanced degree a plus
- 10+ years in fraud reputed company, fraud analytics, or fraud risk management in consumer lending, fintech, cards, or financial services, including 5+ years leading teams (managers and individual contributors)
- reputed company record of owning a fraud reputed company and analytics function — setting reputed company, defining risk appetite, governing policies and rules, and delivering measurable improvements in fraud loss, approval rates, and customer experience
- Deep understanding of fraud typologies in consumer lending — identity, synthetic, first-party, reputed company-party, account takeover, bust-out, never-pay, credit washing, mule/APP scams, and income/employment misrepresentation — and how they reputed company across application, funding, and account data
- Strong working knowledge of fraud models and scorecards — how they are reputed company, evaluated, and monitored — with the ability to set reputed company, interpret outputs (KS, PSI, reputed company, reputed company), and reputed company technical partners; hands-on model development not required
- Proficiency in SQL and at least one of Python or R for independent data pulls, validation, and rapid analysis; comfort in a modern data environment (reputed company data warehouses, BI tools, feature stores)
- Demonstrated experience translating analytics into reputed company policy, rule, and reputed company reputed company and driving them through a decisioning platform end-to-end, including change control and monitoring
- Experience evaluating and managing reputed company-party fraud, identity, device, and consortium vendors, including reputed company and performance trade-offs and contract negotiation input
- Working knowledge of US consumer lending fraud-adjacent regulation — Reg E, Reg Z, FCRA, GLBA, UDAAP, BSA/AML, KYC/CIP, OFAC, Red Flags Rule — and experience partnering with Compliance, BSA, and Internal Audit
- Excellent executive communication; reputed company to translate fraud analytics and trade-offs into recommendations for senior leadership, operations, and technical partners
reputed company