The Director, Risk and Fraud Management will support existing and new products and features in the consumer financial services industry, working with risk mitigation partners and business stakeholders, including appropriate engagement with Experian Consumer Services (ECS) business governance, legal, compliance and audit functions in a three lines of defense model, with a focus on excellence in fraud prevention, risk management, and service delivery. Risk Management Framework and Leadership respo... more details
Job Description
The Director, Risk and Fraud Management will support existing and new products and features in the consumer financial services industry, working with risk mitigation partners and business stakeholders, including appropriate engagement with Experian Consumer Services (ECS) business governance, legal, compliance and audit functions in a three lines of defense model, with a focus on excellence in fraud prevention, risk management, and service delivery.
Risk Management Framework and Leadership responsibilities:
Develop, lead and maintain a best-in-class risk and fraud management program and team for consumer financial products and Experian Smart Money, our award winning credit building digital banking products
Actively collaborate with first line of defense business partners and external vendors to identify, manage and mitigate key areas of risk
Design and implement a suite of controls, including control identification, validation and testing, metrics and reporting to help identify, monitor and measure risk exposures and investigate for timely action
Optimize business outcomes, balanced by strategic, financial, operational, ecosystem and legal and compliance risks in collaboration with Experian’s legal and compliance teams
Drive accountability and contribute to effective oversight by collaborating with business partners to develop executive risk reporting for ECS senior leadership, and Experian’s regional and global risk functions, including through enhanced use of Key Risk Indicators and analytics
Lead and partner with ECS business governance, legal and compliance teams on identification of strategic risks, emerging risks and key business initiatives, and provide effective, constructive assistance to the First Line business functions
Monitor the economic, political, and business environment to ensure timely risk identification and mitigation. Escalate issues and risks through appropriate governance and processes
Contribute to the embedding of a risk focused culture throughout the company to promote clarity and accountability; provide frequent, targeted and tailored learning bursts
Engage with relevant regulatory bodies where relevant
Fraud Prevention for Consumer Financial Products and Services responsibilities:
Drive and lead coordinated risk mitigation and anti-fraud efforts for complex consumer financial services and FinTech programs in defined timelines to achieve specific business goals
Develop, implement and optimize risk mitigation, and fraud processes and procedures for efficiency, effectiveness and promote desired business outcomes for B2C financial services products
Develop strong, collaborative relationships with key internal and external partners to achieve program objectives
Design enhanced operational strategies and customer experience to minimize time to re-enablement and maintain regulatory compliance across third party partnerships and internal operations
Evaluate program design, processes and procedures to identify key preventative action items, dependencies and risks to implement sustainable and scalable solutions
Serve as a subject matter expert for risk mitigation, business governance and fraud prevention across Experian programs, in support and collaboration with key partners and stakeholders – internal and external
Qualifications
Leadership and progressive experience with a results-oriented growth company, in consumer financial services products
8+ years of financial services, payments, financial institutions, Fintech experience with expertise and a deep understanding of financial services industry operations, systems and ecosystem players in risk management, risk reduction, fraud operations and fraud prevention
4+ years leadership and management experience, building and leading high-performance teams
Passion for improving quality, identifying root causes and strategic solutions to complex fraud problems, balancing risk-reward in regulated industries
Business acumen, extensive experience developing/maintaining/uplifting risk management practices to both enable and protect business growth
Experienced and credible in building valuable relationships with all roles and levels within a highly matrixed environment
High professional maturity, exceptional inter-personal and relationship development skills, ability to influence executive decision-making, and exposure to a broad range of functional experiences
Industry leader and SME in risk management, fraud operations, strategy, process optimization, and customer experience with a validated history of balancing fraud and risk, consumer experience and business performance needs
Excellent written, verbal and influencing skills, with ability to assess and summarize facts and risks, with practical and strategic solutions; apply complex legal and regulatory requirements and risk management frameworks to drive effective outcomes
Visionary with execution skills to transform strategy into action and drive results in a fast-paced, dynamic work environment
Familiarity with AI ML, anti fraud and risk mitigation technology, tools and platforms a bonus
Team player and individual contributor, resilient, dynamic leader with relentless pursuit of excellence
High personal integrity, intellectual curiosity, accountability
Sense of humor and sense of adventure – desire to change the status quo and execute a vision
Additional Information
Our benefits include: Medical, life and dental insurance, Asociación Solidarista, International Share Save Plan, Flex Work/Work from home, Paid time off, Annual Performance Bonus, Education Reimbursement, Family Bonding, Bereavement Leave, Referral Program, and more.
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