Director, Fraud Risk Oversight, Consumer Lending – 2nd Line of Defense

🕒 Abril 13

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Best Egg

SiteLinkedInTodas as Vagas

501 - 1000 funcionários

Fundada em 2014

💸 Finanças

💳 Fintech

👥 B2C

Finance • Fintech • B2C

A Best Egg é uma empresa de empréstimos que oferece uma gama de produtos e serviços financeiros, incluindo empréstimos pessoais, consolidação de dívidas, refinanciamento de cartões de crédito e empréstimos garantidos utilizando a equidade do veículo ou descontos para proprietários de imóveis. A empresa enfatiza o serviço financeiro rápido e sem complicações, com uma plataforma online que permite aos usuários gerenciar suas contas, visualizar ofertas e acessar vários recursos de saúde financeira. A Best Egg visa apoiar os clientes na construção de um futuro financeiro mais brilhante, oferecendo taxas competitivas e termos de empréstimo personalizados. Os empréstimos da Best Egg são facilitados por meio de parcerias com bancos e estão disponíveis em vários montantes, com termos e condições flexíveis.

Descrição

• Provide independent 2LOD oversight of fraud risk management frameworks, including policies, standards, and controls • Review and challenge 1LOD fraud strategies across originations, account management, and servicing • Ensure alignment of fraud practices with enterprise risk appetite and governance standards • Partner with credit risk on first payment default trends and data linking analysis • Oversee and challenge fraud detection and prevention strategies, including application and identity fraud controls, synthetic / stolen identity detection, device, IP, and behavioral analytics, payment fraud / ACH return monitoring, and loan servicing activity monitoring • Evaluate fraud operations, including case management, investigations, and recovery processes • Review controls related to customer authentication, identity verification, and digital channels • Assess vendor and third-party risk related to fraud tools, data providers, and service partners • Monitor fraud trends, loss rates, and emerging threats across the portfolio • Develop and deliver fraud risk reporting, dashboards, and insights to various key stakeholders across the company • Partner with Product, Engineering, Risk, and Operations teams to ensure fraud controls are embedded in product design and customer journeys

🎯 Requisitos

• 10+ years of experience in fraud risk management, fraud strategy, or fraud operations within financial services or FinTech • Experience in 2LOD, risk oversight, audit, or control functions, or strong exposure to independent challenge frameworks • Deep understanding of fraud typologies, detection strategies, and fraud lifecycle management • Experience working with fraud models, rules engines, and analytics • Experience in a consumer lending and/or digital banking environment (preferred) • Familiarity with identity verification, authentication technologies, and digital fraud prevention tools (preferred) • Exposure to vendor risk management and third-party fraud solutions (preferred) • Working knowledge of relevant regulations and guidance, including UDAAP, FCRA (as applicable to fraud processes), identity verification / KYC-related expectations • Experience interacting with regulators, internal audit, or compliance teams preferred

🏖️ Benefícios

• Pre-tax and post-tax retirement savings plans with a competitive company matching program • Generous paid time-off plans including vacation, personal/sick time, paid short-term and long-term disability leaves, paid parental leave, and paid company holidays • Multiple health care plans to choose from, including dental and vision options • Flexible Spending Plans for Health Care, Dependent Care, and Health Reimbursement Accounts • Company-paid benefits such as life insurance, wellness platforms, employee assistance programs, and Health Advocate programs • Other great discounted benefits include identity theft protection, pet insurance, fitness center reimbursements, and many more!