Director of Fraud Strategy

Key Responsibilities

• Define and execute the enterprise fraud strategy across all fraud vectors (e.g., account opening, account takeover, money movement-payments) and dimensions (channels, products, customer segments, payment types).
• Develop and maintain an integrated fraud initiatives roadmap spanning prevention, detection, investigation, response, recovery, and optimization.
• Translate strategy into clear, outcome-driven plans with measurable milestones and expedited timelines.
• Establish clear ownership across fraud vectors, channels, and payment types, ensuring defined roles, responsibilities, and performance expectations.
• Partner with accountable fraud operations owners to set priorities, performance targets, and success metrics aligned to loss reduction and growth objectives.
• Stand up and lead a fraud leadership forum to drive decision-making, remove barriers, and track execution against defined outcomes.
• Define enterprise fraud KPIs, dashboards, and reporting to measure losses, trends, control effectiveness, and peer benchmarking performance.
• Drive sustained improvement in fraud performance with a goal of strong performance across all fraud vectors.
• Leverage data and analytics to identify root causes, emerging risks, and opportunities to reduce losses and improve customer experience.
• Identify and assess emerging fraud threats (e.g., account takeover, synthetic identity, check fraud, social engineering) and ensure rapid deployment of countermeasures.
• Coordinate cross-functional responses to evolving fraud risks, recognizing increasing interconnectivity across channels and payment types.
• Accelerate deployment and optimization of fraud tools, models, and AI/automation solutions to improve detection, efficiency, and scalability.
• Ensure end-to-end processes are streamlined, scalable, and minimize customer and employee friction.
• Drive continuous improvement of fraud capabilities across prevention, detection, response, recovery, and education.
• Assess and address talent and staffing gaps across fraud domains in partnership with business and functional leaders.
• Promote a high-performance operating model with clear accountability, strong execution discipline, and rapid delivery of results.

Qualifications

• 10+ years of experience in fraud risk management, payments risk, or fraud detection and mitigation strategy.
• Proven experience leading enterprise-level strategy and cross-functional execution.
• Deep knowledge of fraud vectors (account takeover, account opening, payments fraud) and controls across channels and payment types.
• Strong analytical and data-driven decision-making capabilities.
• Experience with fraud technologies, tooling, analytics platforms, and AI/automation solutions.
• Executive presence with the ability to influence senior leadership and drive enterprise alignment.