FraudStrategySeniorManager(DebitandPayments))

We are seeking a seasoned fraud professional to lead the strategy, execution, and continuous optimization of fraud controls across debit cards, ACH-like products, and real-time payment rails (e.g., Zelle, RTP, Bill Pay). This role will own the end-to-end real-time decisioning ecosystem—including fraud rules, detection capabilities, risk assessments, and customer experience trade-offs—while partnering cross-functionally with Product, Engineering, Risk, and Operations to deliver scalable, modern fraud prevention solutions. The ideal candidate brings deep domain expertise in debit and real-time payments fraud, strong technical acumen in rules engines and analytics, and a proven ability to lead teams, influence stakeholders, and communicate complex risk narratives to senior leadership. **Key Responsibilities** * Set Fraud Strategy & Coverage: Define fraud prevention strategy across debit and real-time payment channels, including risk appetite and control coverage. * Own Real-Time Decisioning: Design and manage fraud rules, decision logic, and detection strategies within real-time decisioning platforms. * Lead Platform & Capability Build: Drive enhancements and implementation of fraud rules engines and decisioning platforms in partnership with engineering. * Optimize Performance Outcomes: Monitor and improve fraud detection, false positives, and client friction through ongoing control tuning and performance management. * Leverage Data & Models: Use analytics and model insights to identify trends, refine strategies, and improve detection effectiveness. * Partner Cross-Functionally: Collaborate with Product, Engineering, Risk, and Operations to embed fraud controls into customer journeys and new product launches. * Influence Senior Stakeholders: Communicate fraud risk, performance, and trade-offs clearly through strong executive storytelling. * Lead & Develop Team: Build and manage a high-performing team of fraud strategy and analytics professionals. * Ensure Strong Govern