• Lead the governance, risk management, and operational oversight of fraud prevention, ACH operations, wire transfer services, and related payment channels.
• Develop and execute strategies to detect, prevent, investigate, and mitigate fraud across digital banking, ACH, wires, debit cards, checks, Zelle, and emerging payment platforms.
• Oversee fraud claims, disputes, investigations, exception processing, recalls, returns, reversals, and customer protection processes.
• Maintain strong internal controls, segregation of duties, audit readiness, issue tracking, and remediation practices.
• Ensure compliance with applicable payment, fraud, consumer protection, sanctions, and anti-money laundering requirements.
• Establish and monitor department goals, key performance indicators, service standards, risk tolerances, and operational controls.
• Partner with Information Technology, Compliance, Risk, Audit, Legal, and business stakeholders to enhance systems, strengthen controls, and support process improvement initiatives.
• Manage vendor relationships with fraud detection providers, payment processors, core system vendors, and network providers.
• Prepare and present fraud trends, operational performance, risk assessments, and governance updates to senior and executive management.
• Lead, coach, and develop team members while promoting accountability, customer service, risk awareness, and continuous improvement.

Requirements

• Payment Risk Management
• Regulatory Compliance
• Operations Controls

Combination of education and experience will be considered.

Skills & Competencies

• Regulation E
• NACHA Rules
• BSA/AML
• OFAC
• UCC Article 4A
• FFIEC Guidance
• Payment system risk management

• • Regulatory expectations for fraud and consumer protection, including timely dispute/error resolution, customer notifications, and consistent documentation.
  • Audit readiness standards for fraud operations, including control design/operating effectiveness, evidence retention, issue tracking, and timely remediation of findings.
  • Experience with fraud monitoring and analytics platforms.
  • Strong leadership, communication (verbal and written), and executive presentation skills.
  • Excellent analytical and decision-making ability.
  • Strong project management and change management capabilities.
  • Proficient in the following MS Office Software (e.g. Excel, Word, Power Point and Outlook) and data reporting tools.
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  Preferences
  • Master’s Degree.
  Licenses/Certifications
  • None
  CHA Rules