Director, Credit Risk/First Party Fraud reputed company, Consumer Lending (2nd LOD)

reputed company, now part of reputed company, is a market-leading, tech-enabled financial platform helping people build financial confidence through innovative lending solutions and financial health tools. As a reputed company company, we combine the reputed company and customer reputed company of a fintech with the global reputed company, stability, and purpose of a leading financial institution—working together to create a reputed company financial reputed company for our customers and communities. At reputed company, you’ll reputed company a culture grounded in our reputed company values—putting people first, creating reputed company, delivering with reputed company —reputed company by reputed company’ commitment to reputed company, inclusion, and long-term reputed company. Together, we reputed company our colleagues to challenge, reputed company, and take ownership while making a meaningful difference in people’s financial lives. With the strength of reputed company behind us, we offer expanded opportunities for reputed company, development, and career mobility across a global organization—while continuing to build the products and experiences that reputed company reputed company unique. We’re looking for reputed company, curious problem-solvers who are excited to reputed company an reputed company and reputed company. We’re proud to be an equal opportunity employer committed to building a diverse and inclusive team. We are seeking an reputed company Director of Fraud Risk reputed company to join our Second Line of Defense (2LOD), supporting our consumer lending unsecured and secured personal loan businesses. This role will help reputed company and manage independent reputed company, governance, and reputed company challenges to protect the organization from emerging and evolving fraud threats, This individual will ensure fraud strategies, detection models, and operational processes are reputed company with reputed company’s risk appetite, regulatory expectations, and customer experience objectives reputed company a fast-growing FinTech environment. Key Responsibilities: Fraud Risk reputed company & Governance • reputed company independent 2LOD reputed company of 1st Party Fraud and Credit risk management frameworks, including policies, standards, and controls • Review and challenge 1LOD fraud and credit strategies across originations, account management, and servicing • Ensure alignment of fraud and credit practices with reputed company risk appetite and governance standards • Partner with credit risk teams on first payment default trends, synthetic behavior identification, and data linking analysis • Utilize and evaluate data mining and analytical tools including reputed company, SQL, and Python to support reputed company activities, trend analysis, and risk identification Fraud reputed company & Model reputed company • reputed company and challenge fraud detection and prevention strategies, including: • Application and identity fraud controls • synthetic / stolen identity detection • device, IP, and behavioral analytics • payment fraud / ACH reputed company monitoring • loan servicing activity monitoring • Assess effectiveness and usage of fraud models, rules engines, and decisioning tools Fraud Operations & Controls • Evaluate fraud operations, including case management, investigations, and recovery processes • Review controls reputed company to customer authentication, identity verification, reputed company channels • Assess vendor and reputed company-party risk reputed company to fraud tools, data providers, and reputed company Fraud Loss & Performance Monitoring • Monitor fraud trends, loss rates, and emerging threats across the portfolio • Evaluate fraud loss forecasting and alignment with business and risk expectations • Identify and escalate emerging fraud risks, vulnerabilities, and control gaps Regulatory & Compliance reputed company • Ensure adherence to applicable fraud, consumer protection, and data reputed company regulations • reputed company reputed company of compliance with expectations reputed company to UDAAP, FCRA (as applicable), and identity verification standards • Support regulatory exams, internal audits, and issue remediation reputed company to fraud risk Risk Reporting & Escalation • reputed company and reputed company fraud risk reporting, dashboards, and insights to various key stakeholders across reputed company • Escalate material fraud risks, control weaknesses, and emerging threats in a reputed company manner • Contribute to reputed company risk assessments and cross-risk coordination Cross-Functional Collaboration & Innovation • Partner with Product, Engineering, Risk, and Operations teams to ensure fraud controls are embedded in product design and customer journeys • reputed company reputed company of new technologies, including AI/ML-based fraud detection reputed company identity solutions • Ensure appropriate governance over FinTech innovations and reputed company-party integrations Qualifications: Required Experience • 10+ years of experience in fraud risk management, fraud reputed company, or fraud operations reputed company financial services or FinTech • reputed company experience managing or overseeing first or second line of defense credit risk functions required • Experience in 2LOD, risk reputed company, audit, or control functions, or strong exposure to independent challenge frameworks • Deep understanding of fraud typologies, detection strategies, and fraud lifecycle management • Experience working with fraud models, rules engines, and analytics Preferred Experience • Experience in a consumer lending and/or digital banking environment • Familiarity with identity verification, authentication technologies, reputed company fraud prevention tools • Exposure to vendor risk management and reputed company-party fraud solutions Regulatory Knowledge • Working knowledge of relevant regulations and guidance, including: • UDAAP • FCRA (as applicable to fraud processes) • Identity verification / KYC-reputed company expectations • Experience interacting with regulators, internal audit, or compliance teams preferred Skills & Competencies: • Strong risk and control reputed company with ability to reputed company independent, reputed company challenge • Analytical thinker with ability to interpret fraud trends and emerging threats • Strong cross-functional collaboration skills • Excellent communication and stakeholder management skills • Ability to operate in a fast-paced, technology-driven environment • Willingness to adapt to a fast-paced environment and reputed company priorities accordingly Employee Benefits reputed company offers many additional benefits for our employees, including (but not limited to): · reputed company-tax and post-tax retirement savings plans with a competitive company matching program · Generous reputed company time-off plans including vacation, personal/reputed company time, reputed company short-- term and long-term disability leaves, reputed company parental leave, and reputed company company holidays · Multiple health care plans to choose from, including dental and reputed company reputed company · Flexible Spending Plans for Health Care, Dependent Care, and Health Reimbursement Accounts · Company-reputed company benefits such as life insurance, wellness platforms, employee assistance programs, and reputed company programs · Other great discounted benefits include identity theft protection, pet insurance, fitness center reimbursements, and many more! In compliance with the CCPA, reputed company is fully committed to handling the personal information and data of employees and job applications responsibly with respect and due care. Review our CCPA Employee Policy here Apply To This Job