At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.

The Fraud leader at FNBO is a senior leadership position with divisional-wide responsibility related to comprehensive fraud prevention, detection, and resolution operations. This role oversees an organization of 250+ employees across multiple critical functions including strategy, rule writing, investigations, fraud and disputes call center operations, high-risk account management, and product ownership for authorization and fraud detection systems. This position leads 5-6 Director level positions who oversee their respective teams and operational areas to prevent 1st and 3rd party fraud within the various Card portfolios, including Visa and MasterCard consumer credit, debit, small business and commercial card, as well as consumer loan fraud and investigative research. The person will manage a $20MM+ annual budget and significant loss reduction impacts.

About This Role:

 

Strategic Leadership & Organizational Management

• Develop and execute enterprise fraud prevention strategy aligned with business objectives
• Present fraud trends, strategies, and performance to executive leadership, enterprise stakeholders, and board committees
• Establish fraud risk appetite in collaboration with Executives, Senior Leadership, CRO, CCO, CIO, and Information Security
• Lead and develop a team of 5-6 Directors overseeing 250+ employees, fostering a culture of accountability, innovation, and continuous improvement
• Drive talent development, succession planning, and organizational design to optimize efficiency and effectiveness
• Manage multimillion-dollar departmental operating budget, justify investments, and evaluate ROI on fraud prevention tools and technologies
• Track fraud losses and fraud prevention savings to demonstrate value and inform strategic decisions

 

Fraud Operations & Execution

Rule Writing & Detection Strategy

• Oversee development and optimization of sophisticated fraud detection rules, processes, and procedures across portfolios and transactional channels
• Ensure detection strategies balance fraud prevention with customer experience
• Monitor industry trends and incorporate best practices into detection strategies
• Establish governance frameworks for rule management, testing, and performance monitoring

 

Investigations Management

• Provide executive oversight of fraud investigation operations, workflows, and resource allocation
• Review complex, high-dollar, or sensitive fraud cases for unsecured consumer loans
• Coordinate with Corporate Risk, Legal, Compliance, and Law Enforcement on major cases
• Ensure regulatory compliance with dispute resolution timeframes and requirements
• Drive process improvements to reduce cycle time, improve accuracy, and enhance investigative outcomes

 

Fraud & Disputes Call Center Operations   

• Oversee inbound and outbound call center operations handling fraud alerts, customer disputes, and resolution activities
• Set performance standards, service levels, and quality metrics
• Implement workforce management strategies to optimize staffing and efficiency
• Drive customer satisfaction initiatives while maintaining fraud prevention effectiveness

 

Third-Party Fraud Management

• Develop comprehensive strategies to identify and mitigate third-party fraud (identity theft, account takeover, synthetic identity, card not present)
• Establish risk assessment frameworks and early warning indicators
• Drive industry collaboration through participation in fraud consortiums and working groups
• Track and report on fraud trends, losses, and mitigation effectiveness

 

Technology & Innovation

• Manage complex fraud and disputes detection and case management platforms which include customer authentication and validation, channel intake and dispute processing
• Serve as executive product owner for authorization and fraud detection systems
• Define long-term system strategy and technology roadmap in partnership with IT leadership
• Partner with analytics teams to leverage advanced technologies including machine learning, AI, and predictive modeling
• Oversee vendor relationships for fraud technology platforms and manage third-party partnerships
• Drive digital transformation initiatives to enhance fraud prevention capabilities and operational scalability
• Lead innovation in fraud detection and prevention methodologies to stay ahead of emerging threats
• Good understanding of Machine Learning and AI concepts is a plus

The Ideal Candidate for This Role:

 

Required Experience

• 10+ years of progressive experience in financial services and fraud management for Credit and Debit Card products.
• 7+ years in a Leadership role with at least 3+ years management
• Proven track record managing large, multi-functional teams
• Knowledge in fraud detection technologies, methodologies, and industry trends
• Knowledge of authorization systems and fraud platforms
• Strong background in regulatory compliance related to fraud and disputes
• General Knowledge of card payment networks and their standards
• Proficient in data analytics and business intelligence methods

 

Leadership Competencies

• Executive-level strategic planning and execution
• Large-scale organizational management and development
• Managing through multiple layers of leadership
• Executive communication and presentation skills
• Budget management for large operational departments
• Talent development and succession planning
• Change management and organizational transformation
• Crisis management and decision-making under pressure

Candidates must possess unrestricted work authorization and not require future sponsorship.

Work Environment:

It is anticipated that the incumbent in this role will work onsite at the posted location. Our onsite environment fosters innovation, mentorship, and a vibrant culture where ideas flow freely and relationships flourish. As part of our team, you'll experience the energy of our collaborative spaces designed to support your professional growth while working alongside talented colleagues who inspire excellence daily. Please note that work location is subject to change based on business needs.

Compensation and Benefits Overview:

We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs:

• Medical, Dental, Vision Insurance

• 401k, With Matching Contributions

• Time Off Programs

• Health Savings Account (HSA)/Dependent Care

• Employee Banking

• Growth Opportunities

• Tuition Assistance

• Short-Term/Long-Term Disability Insurance

Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/.

To obtain compensation and benefit information related to this specific role, e-mail FNBO at [email protected]. To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.

Job number: R-20261845

Equal Opportunity & Belonging:

FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.

Learn more here.

FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.

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FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC

FNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants)

Application Deadline:

All our jobs will be posted for a minimum of 5 calendar days.  Job postings may come down prior to 5 calendar days based on volume of applicants.