National Manager, Fraud Prevention

About the role

Toyota Financial Services (TFS) is seeking a National Manager, Fraud Prevention to lead the enterprise fraud strategy, protect customers, dealers, and the business, and oversee fraud investigations, cross‑functional controls, team leadership, and reporting to senior leadership.

Toyota does not offer support or sponsorship of job applicants for employment‑based visas or any other work authorization for this role now or in the future. Candidates must have the right to work in the United States without requiring Toyota sponsorship.

Responsibilities

• Develop, own, and continuously evolve TFS enterprise fraud prevention strategy, aligning with business growth, customer experience, and risk appetite.
• Lead design and deployment of fraud prevention strategies, including detection models and emerging technology solutions (e.g., machine learning, behavioral analytics, identity verification tools).
• Monitor fraud trends, emerging typologies, and industry benchmarks across auto finance and banking to anticipate threats and adjust strategy.
• Partner with Credit Risk, Sales Operations, Customer Service, Digital, and Product teams to embed fraud controls throughout the customer and dealer lifecycle.
• Establish key risk indicators (KRIs) and fraud loss metrics; report performance and emerging risks to senior leadership and governance committees.
• Own the fraud prevention budget, staffing model, and technology roadmap.
• Direct all fraud investigation operations across TMCC and TFSB portfolios, including application fraud, identity theft, account takeover, synthetic identity fraud, dealer fraud, and first‑party fraud.
• Oversee case management processes to ensure timely, thorough, and consistent investigation outcomes.
• Establish investigative standards, escalation protocols, and quality‑assurance processes to ensure investigative integrity and regulatory defensibility.
• Coordinate with law enforcement, external fraud consortiums, and industry partners as appropriate.
• Ensure investigative findings inform and strengthen fraud prevention strategy and control design (closed‑loop feedback).
• Manage restitution, recovery, and loss‑mitigation efforts related to confirmed fraud cases.
• Build, lead, and develop a high‑performing team of fraud strategy analysts and investigators.
• Serve as a key advisor to executive leadership and risk committees on fraud and financial crimes risk posture.
• Represent TFS in industry forums, regulatory discussions, and fraud information‑sharing organizations.

Requirements

• Bachelor’s degree.
• 10+ years of progressive, relevant professional experience in fraud prevention, fraud investigations, and/or financial crimes compliance, ideally within auto finance, banking, or consumer lending.
• Subject‑matter expertise in fraud prevention strategy, spanning both analytical (data/strategy‑driven) and operational (investigations/compliance execution) roles.
• Technical and analytical fluency; experience engaging with IT/Product and Data Science/Consumer Risk partners on system design and strategy development.
• Strong working knowledge of BSA/AML, OFAC, and FDIC regulatory requirements for banking institutions.
• Proven experience building or scaling fraud detection frameworks, analytics capabilities, and investigative operations.
• Deep expertise in fraud risk and financial crimes, with strong regulatory and compliance acumen.
• Experience managing regulatory exams, audits, or third‑party assessments related to fraud.
• Demonstrated ability to lead and develop teams, including managers and individual contributors.
• Exceptional executive communication and presence; ability to influence cross‑functionally and present effectively to senior leadership, boards, and regulators.
• Strategic thinking with strong analytical and data‑driven decision‑making skills.
• Demonstrated operational excellence and process rigor.

Preferred qualifications

• Advanced degree – MBA or JD.
• Experience within auto finance, captive finance companies, or FDIC‑regulated banking institutions.
• Familiarity with dealer/indirect lending fraud typologies.
• Experience implementing AI/ML‑based fraud detection tools and identity verification platforms.

Benefits

• Work environment built on teamwork, flexibility, and respect.
• Professional growth and development programs, including tuition reimbursement.
• Team Member Vehicle Purchase Discount and Lease Vehicle Program (if applicable).
• Comprehensive health care and wellness plans for the entire family.
• Toyota 401(k) Savings Plan with company match and an annual retirement contribution regardless of employee contribution (if applicable).
• Paid holidays and paid time off.
• Referral services for prenatal services, adoption, childcare, schools, and more.
• Tax‑advantaged accounts (Health Savings Account, Health Care FSA, Dependent Care FSA).
• Relocation assistance (if applicable).