Director, Fraud Strategy - Deposits

LendingClub•San Francisco, CA

1d•Hybrid

About The Position

As a Director, Deposit Fraud Strategy, you will lead the strategy and execution of fraud prevention across the Bank’s deposit products, driving outcomes that minimize fraud loss while maximizing good customer conversion. You will play a critical role in scaling the function by improving how we use data, vendors, and decisioning systems to better understand and protect good customer behavior.

Requirements

10+ years of experience in fraud, risk, or related roles, including 6+ years in people management
Bachelor’s degree in a related field; or equivalent work experience
Proven experience leading fraud strategy in banking, fintech, payments, or lending with strong understanding of deposit fraud vectors
Operate at a functional leadership level, setting direction, driving accountability, and making high-impact decisions in ambiguous environments
Deep expertise in fraud prevention across onboarding, identity verification, and money movement
Strong analytical mindset with hands-on experience working with large datasets to uncover patterns and drive decisions
Experience using SQL, Python, R, or similar tools, and building dashboards to track performance
Clear perspective on where AI adds leverage across fraud strategy and have translated that into how teams operate, while maintaining strong judgment and accountability
Collaborate effectively across teams and bring stakeholders along while driving change
Take ownership of outcomes and continuously look for ways to improve systems, processes, and results

Nice To Haves

Experience with behavioral biometrics, machine learning, or AI-driven fraud detection
Familiarity with real-time decisioning platforms and identity graph concepts
Experience scaling fraud strategy in a high-growth digital banking environment

Responsibilities

Define and lead the deposit fraud strategy across onboarding, identity verification, and money movement channels such as ACH, wires, and Zelle
Drive outcomes that balance fraud loss prevention with customer experience and conversion, setting clear performance targets and accountability
Build and evolve data-driven decisioning frameworks using customer behavior, analytics, and third-party signals
Identify fraud patterns through deep analysis of large, complex datasets and translate insights into scalable strategies
Evaluate, select, and optimize vendors, data sources, and tools to improve fraud detection and identity confidence
Partner cross-functionally with Fraud Ops, Product, Engineering, and Data to design, implement, and continuously improve strategies
Establish KPIs and reporting to measure fraud loss, conversion, and operational efficiency, and communicate insights to leadership
Improve how the team operates by introducing automation, real-time decisioning, and smarter workflows, including appropriate use of AI