Sr Manager, Enterprise Risk and Investigations

Full-time experienced role requiring a relevant combination of work and education, preferably a Bachelor of Business Administration.

About The Role

The Senior Manager, Enterprise Fraud Compliance & Investigations, is a senior financial crime compliance and fraud leader responsible for overseeing fraud compliance strategy, complex fraud investigations, and fraud advisory across a diversified financial technology environment. This role supports businesses that provide issuer processing, core banking solutions, digital payments, treasury management, liquidity management, and capital markets platforms to banks, fintechs, broker-dealers, corporates, and other regulated financial institutions. The successful candidate is a seasoned fraud and financial crime professional with experience operating in complex financial services or financial technology environments. This individual will serve as a trusted advisor to Compliance, Product, Technology, Operations, Client Management, Legal, Risk, and regulated entity leadership.

Responsibilities

• Assessing fraud risk at regulated entities and across issuer processing, core banking, treasury, liquidity, and capital markets products
• Leading or overseeing complex fraud investigations involving high-risk events, significant losses, organized fraud rings, internal fraud, cyber-enabled fraud, and emerging typologies
• Advising on fraud control design embedded in transaction authorization, onboarding, authentication, monitoring, case management, dispute handling, and regulatory reporting workflows
• Partnering with AML investigations teams to support unusual activity identification, escalation, SAR decisioning, and financial crime governance for regulated entities
• Translating complex fraud risks into practical, executive-ready guidance for business leaders, clients, auditors, and regulators, and influencing business, technology, and operations stakeholders
• Supporting regulatory exams, audits, and independent testing, and drive remediation of fraud control weaknesses
• Developing fraud governance, standards, and risk appetite metrics

Requirements

Issuer Processing and Card Fraud experience

• Understanding of fraud controls across the card transaction lifecycle, including authorization scoring, rule strategies, velocity limits, authentication, fraud alerts, disputes, and exception handling
• Strong knowledge of fraud risks across issuer processing and card products, including:
  • Debit, credit, prepaid, commercial, and private-label card fraud
  • Card-not-present fraud
  • Card-present fraud
  • Lost/stolen card fraud
  • Counterfeit card fraud
  • Card testing attacks
  • Tokenization and digital wallet fraud
  • Account takeover involving card products
  • Authorization fraud strategies
  • Clearing, settlement, disputes, and chargeback fraud considerations
  • Visa, Mastercard, Discover, and other network fraud programs and rules

Payments Fraud

• Understanding of how fraud risk differs across consumer, small business, commercial, and institutional payment flows
• Broad payments fraud expertise across traditional and emerging payment rails, including:
  • ACH fraud
  • Wire transfer fraud
  • RTP and FedNow fraud
  • P2P payment fraud
  • Digital wallet fraud
  • Business email compromise
  • Authorized push payment scams
  • Invoice redirection fraud
  • Payroll diversion schemes
  • Corporate payments fraud
  • Mule account activity
  • Cross-channel fraud migration

Core Banking and Deposit Fraud experience

• Understanding of fraud risks embedded in deposit and banking platforms, including:
  • New account fraud
  • Synthetic identity fraud
  • Identity theft
  • Account takeover
  • Check fraud
  • Mobile deposit fraud
  • Duplicate presentment
  • Check kiting
  • First-party fraud
  • Friendly fraud
  • Bust-out schemes
  • Online and mobile banking compromise
  • Credential stuffing and session hijacking
  • Fraud risk within customer onboarding, account maintenance, funds availability, and transaction posting processes

Treasury Management and Liquidity Product Fraud

• Knowledge of fraud risk in commercial and treasury environments, including:
  • Commercial account takeover
  • Treasury workstation compromise
  • Wire initiation fraud
  • Fraudulent ACH origination
  • Positive pay circumvention
  • Payment approval workflow abuse
  • Privileged user misuse
  • Fraudulent liquidity transfers
  • Cash concentration fraud
  • Settlement timing manipulation
  • Unauthorized cash sweeps
  • Fraud affecting corporate liquidity and treasury operations

Capital Markets and Securities Fraud

• Understanding of how fraud, operational risk, AML, and market conduct risks intersect in capital markets environments, such as:
  • Unauthorized trading
  • Insider trading indicators
  • Market manipulation
  • Wash trading
  • Spoofing and layering
  • Client asset transfer fraud
  • Custody-related fraud
  • Investment account takeover
  • Beneficiary change fraud
  • Distribution fraud
  • Fraud risks affecting broker-dealers, custodians, asset managers, and institutional trading platforms
  • Employee misconduct

Fraud Technology and Analytics Expertise

• Experience with fraud detection, identity verification, authentication, and transaction monitoring technologies, including:
  • Fraud rule writing and tuning
  • Alert optimization
  • Model performance monitoring
  • Fraud scoring
  • Behavioral analytics
  • Device intelligence
  • Risk-based authentication
  • Machine learning fraud detection
  • False-positive management
  • Fraud capture rates
  • Approval-rate impact
  • Fraud loss and basis-point reporting
  • Portfolio segmentation and trend analytics

Fraud Investigations Oversight

• Strong working knowledge of how fraud activity intersects with AML obligations and suspicious activity reporting, including:
  • Fraud-to-AML referrals
  • Mule account networks
  • Fraud proceeds laundering
  • Human trafficking indicators
  • Elder financial exploitation
  • Romance scams
  • Business email compromise laundering
  • Cybercrime-related payments
  • Synthetic identity networks
  • Authorized push payment scams
  • Unusual activity escalation
  • SAR decision support
  • Financial crime typology development
• Ability to coordinate effectively with centralized AML investigations teams and BSA/AML Officers supporting regulated entities

Regulatory and Compliance Knowledge

• Working knowledge of fraud-related regulatory and compliance expectations, including:
  • Regulation E, Regulation Z, UDAAP, BSA/AML requirements
  • Suspicious activity reporting expectations
  • FFIEC guidance, PCI-DSS
  • OCC, FDIC, Federal Reserve, FinCEN, SEC, and FINRA expectations, as applicable
  • Payment network rules and chargeback frameworks
  • Model risk and governance considerations for fraud tools and analytics

Qualifications

• 10+ years of experience in fraud risk management, financial crime compliance, investigations, payments risk, issuer processing, banking technology, capital markets operations, or related financial services roles
• Experience supporting banks, fintechs, issuer processors, payment processors, broker-dealers, core banking platforms, treasury platforms, or financial technology providers
• Demonstrated experience overseeing or supporting complex fraud investigations
• Strong understanding of payments, card processing, core banking, treasury, liquidity, and/or capital markets products
• Experience with fraud detection systems, fraud analytics, rules strategies, alert management, and investigative case management
• Ability to work across Compliance, Product, Technology, Risk, Operations, Legal, and Client-facing teams
• Strong executive communication, analytical, and stakeholder management skills
• Familiarity with AI-enabled fraud, deepfakes, behavioral biometrics, machine learning fraud detection, and cyber-fraud convergence
• Experience with SQL, advanced Excel, dashboarding, data visualization, or fraud analytics tools

Benefits

• Opportunities to make an impact in fintech
• Personal and professional learning
• Inclusive, diverse work environment
• Resources to give back to your community
• Competitive salary and benefits
• An inclusive workspace built on collaboration, flexibility and respect