Risk Manager Jobs

About The Position

Requirements

• Bachelor's degree or equivalent relevant experience.
• Several years of experience in fraud investigation, fraud strategy, credit risk, or loss prevention within auto finance, consumer lending, or banking, including prior people-leadership or team-lead experience.
• Strong working knowledge of fraud typologies relevant to auto lending (application/identity fraud, synthetic identity, straw borrowers, income/employment falsification, title and collateral fraud, dealer fraud).
• Working knowledge of applicable regulations and industry standards, such as FCRA, ECOA, UDAAP, GLBA, BSA/AML/SAR requirements, and Red Flags Rule.
• Demonstrated analytical skills, with the ability to interpret data trends, fraud scorecards, and portfolio-level metrics to drive decision-making.
• Excellent written and verbal communication skills, with experience presenting findings and recommendations to senior leadership.
• Proven ability to lead, coach, and develop a team while managing competing priorities in a fast-paced environment.
• Strong collaboration skills, with experience partnering across Credit, Originations, Funding, Compliance, Legal, and Technology functions.
• Experience with fraud detection systems, case management tools, and/or credit bureau and identity verification platforms.

Nice To Haves

• Certified Fraud Examiner (CFE) or similar professional certification.
• Experience specifically within a captive auto finance company or auto lending environment.
• Familiarity with dealer-level fraud schemes and floorplan/wholesale fraud detection.
• Experience building or enhancing fraud detection models, machine learning-based scoring, or rules-based fraud engines.
• Prior experience working with law enforcement, external investigators, or regulatory examiners on fraud matters.
• Experience managing third-party fraud vendor relationships and RFP/vendor evaluation processes.
• Advanced degree (MBA or related field).

Responsibilities

• Lead, mentor, and develop a small, high-performing team of fraud analysts/investigators, fostering a culture of accountability, integrity, and continuous improvement.
• Oversee the end-to-end investigation of suspected fraudulent loan/lease applications, dealer transactions, and account activity, including origination, funding, and servicing fraud (e.g., identity theft, synthetic identity, straw purchases, income/employment misrepresentation, title/collateral fraud, and first-party fraud).
• Develop, implement, and continuously refine fraud detection strategies, scorecards, and rules in partnership with Risk, Credit, Originations, and Technology teams to minimize losses while preserving a positive dealer and customer experience.
• Monitor fraud trends, emerging schemes, and industry intelligence; proactively adjust detection models and team procedures to stay ahead of evolving fraud tactics.
• Partner with Underwriting, Funding, Collections, Legal, and Compliance to escalate, resolve, and remediate confirmed fraud cases, including referrals to law enforcement and regulatory reporting (e.g., SARs) where required.
• Prepare and present regular reporting to senior leadership on fraud trends, loss metrics, case outcomes, and the effectiveness of fraud prevention controls.
• Manage relationships with third-party fraud detection vendors and tools, evaluating new technologies and analytics platforms to improve detection accuracy and reduce false positives.
• Ensure procedural compliance across fraud operations to support successful outcomes on internal and external (regulatory) audits.
• Establish and maintain case management protocols, ensuring investigations are thorough, well-documented, and completed within service level expectations.
• Support dealer-facing fraud awareness and training efforts and serve as a subject matter expert/point of escalation for complex or high-dollar fraud cases.
• Ensure all PII and confidential company/customer information is handled and secured in accordance with company policy and applicable law.
• Operate within headcount, staffing, and budget guidelines while managing team workload and productivity.

Benefits

• Immediate medical, dental, vision and prescription drug coverage
• Flexible family care days, paid parental leave, new parent ramp-up programs, subsidized back-up child care and more
• Family building benefits including adoption and surrogacy expense reimbursement, fertility treatments, and more
• Vehicle discount program for employees and family members and management leases
• Tuition assistance
• Established and active employee resource groups
• Paid time off for individual and team community service
• A generous schedule of paid holidays, including the week between Christmas and New Year’s Day
• Paid time off and the option to purchase additional vacation time.