Director of Fraud Strategy

Zions Bancorporation•Midvale, UT

23h•Onsite

About The Position

The Director of Fraud Strategy is responsible for defining and driving the bank’s enterprise fraud strategy across all fraud vectors, customer segments, channels, products, and payment types. This role ensures a coordinated, data driven, and outcome focused approach to fraud mitigation, reducing customer friction, improving loss performance, and accelerating the deployment of fraud capabilities and controls.

Requirements

10+ years of experience in fraud risk management, payments risk, or fraud detection and mitigation strategy
Proven experience leading enterprise‑level strategy and cross‑functional execution
Deep knowledge of fraud vectors (account takeover, account opening, payments fraud) and controls across channels and payment types
Strong analytical and data‑driven decision‑making capabilities
Experience with fraud technologies, tooling, analytics platforms, and AI/automation solutions
Executive presence with the ability to influence senior leadership and drive enterprise alignment
Outcome‑oriented with a strong focus on measurable results
Operates with urgency and holds teams accountable for execution
Brings structure and clarity to complex environments
Balances risk mitigation with customer experience and growth objectives

Responsibilities

Define and execute the enterprise fraud strategy across all fraud vectors (e.g., account opening, account takeover, money movement-payments) and dimensions (channels, products, customer segments, payment types).
Develop and maintain an integrated fraud initiatives roadmap spanning prevention, detection, investigation, response, recovery, and optimization.
Translate strategy into clear, outcome‑driven plans with measurable milestones and expedited timelines.
Establish clear ownership across fraud vectors, channels, and payment types, ensuring defined roles, responsibilities, and performance expectations.
Partner with accountable fraud operations owners to set priorities, performance targets, and success metrics aligned to loss reduction and growth objectives.
Stand up and lead a fraud leadership forum to drive decision‑making, remove barriers, and track execution against defined outcomes.
Define enterprise fraud KPIs, dashboards, and reporting to measure losses, trends, control effectiveness, and peer benchmarking performance.
Drive sustained improvement in fraud performance with a goal of strong performance across all fraud vectors.
Leverage data and analytics to identify root causes, emerging risks, and opportunities to reduce losses and improve customer experience.
Identify and assess emerging fraud threats (e.g., account takeover, synthetic identity, check fraud, social engineering) and ensure rapid deployment of countermeasures.
Coordinate cross‑functional responses to evolving fraud risks, recognizing increasing interconnectivity across channels and payment types.
Accelerate deployment and optimization of fraud tools, models, and AI/automation solutions to improve detection, efficiency, and scalability.
Ensure end‑to‑end processes are streamlined, scalable, and minimize customer and employee friction.
Drive continuous improvement of fraud capabilities across prevention, detection, response, recovery, and education.
Assess and address talent and staffing gaps across fraud domains in partnership with business and functional leaders.
Promote a high‑performance operating model with clear accountability, strong execution discipline, and rapid delivery of results.