• Design, implement, and continuously improve fraud policies, risk appetite, controls, and the overall fraud operating model across the entire customer lifecycle. • Evaluate, select, implement, and optimize fraud platforms (identity, device, behavioral analytics, transaction monitoring) and ensure they are properly configured and effective. • Create and refine monitoring rules, risk scores, and anomaly detection logic; use data analytics and ML-driven insights to detect patterns and drive accuracy. • Own root-cause analyses, response playbooks, remediation plans, cross-team communication, and post-mortem improvements for fraud events. • Track fraud losses, false positives, customer impact, remediation speed, system performance, and overall program health; report insights to senior leadership. • Work with Product, Engineering, Operations, Compliance, and Finance to integrate controls into new features, product launches, processes, customer experience flows, and forecasting. • Manage relationships with fraud vendors, card networks, processors, consortiums, and law enforcement; negotiate contracts and SLAs; ensure vendor performance. • Serve as the company’s fraud subject matter expert; deliver training, build awareness, and support change management across all teams. • Perform hands-on fraud work, tuning systems, analyzing trends, and supporting casework until additional team capacity is built.