Program Director, Fraud Operations, Investigations, Intelligence

🔥 17 hours ago

🌵 Arizona, Kentucky, +4 more states – Remote

🌵 Arizona – Remote 🐎 Kentucky – Remote 🚗 Michigan – Remote 🔔 Pennsylvania – Remote 🗿 South Dakota – Remote 🎸 Tennessee – Remote

💵 $72k - $120k / year

⏰ Full Time

🔴 Lead

📋 Program Manager

👻 Ghost score 3%

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Pathward

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

🛡️ Insurance

💼 Consulting

📦 Logistics

Insurance • Consulting • Logistics

Pathward is a federally registered financial institution that provides robust banking infrastructure, proven technology resource partners, and dynamic collaboration to assist third-party partners in delivering banking programs that meet customer demands. The company focuses on providing a variety of financial solutions including issuing, acquiring, digital payments, credit solutions, and professional tax solutions, among others. Additionally, Pathward supports commercial finance through working capital, equipment finance, structured finance, and insurance premium finance. Committed to financial inclusion, Pathward powers financial access and innovation through strategic partnerships, including efforts to support renewable energy loan growth.

📋 Description

• Provide end-to-end operational leadership for the fraud lifecycle, integrating Level 1 alert operations, Level 2 investigations, and fraud intelligence • Own operational management rhythms covering alert volumes, queue health, work allocation, productivity, SLA performance, escalations, and operational risk response • Direct the Manager, Fraud Alert Operations and Manager, Fraud Investigations, ensuring clear ownership and effective handoffs • Set and enforce Level 2 investigative standards, complex case review expectations, documentation and evidence discipline, escalation packages, and management approvals • Own fraud intelligence, including typology development, emerging threat monitoring, root-cause analysis, pattern identification, and feedback into detection strategy • Ensure timely and accurate referral of SAR- and CTR-eligible activity to BSA/AML Operations • Escalate immediate-attention, terrorist-financing, human-trafficking, and imminent-loss indicators the same business day per procedure • Establish, monitor, and report operational KPIs and KRIs to the SVP and governance forums • Partner with Governance, Risk & QA on quality themes, procedures, corrective actions, audit evidence, and examination support • Partner with Strategy, Analytics & Product Controls on detection rules, thresholds, and control improvements • Recommend policy and procedure changes and drive continuous improvement in workflows, automation, documentation, and escalation protocols • Manage, mentor, and develop management and analyst talent, including hiring, work assignment, goal setting, performance evaluation, scheduling, standards, and employee issue resolution • Represent fraud operations, investigations, and intelligence in governance committees, audit engagements, and OCC examination support • Perform other duties as assigned

🎯 Requirements

• Bachelor's degree in a related field, or equivalent combination of education and experience • Professional certification such as Certified Fraud Examiner (CFE) and/or Certified Anti-Money Laundering Specialist (CAMS) strongly preferred • Typically 10 or more years of related fraud, investigations, or financial-crimes experience • Several years leading teams and managing through subordinate managers or supervisors • Experience owning fraud operations, Level 2 investigations, and/or fraud intelligence in a bank, processor, or comparably regulated environment • Exposure to regulatory examinations, such as OCC examinations, and audit engagements • Strategic and operational leadership across the full fraud lifecycle • Deep knowledge of fraud typologies, investigative standards, card and ACH ecosystems, alerting and case management platforms such as Actimize, and SAR/CTR referral requirements • Strong people leadership, including developing managers and setting performance and quality standards • Ability to prioritize competing queues, manage escalations, and balance risk-based approaches with regulatory expectations • Excellent written and verbal communication, including executive-, audit-, and regulator-ready reporting and documentation

🏖️ Benefits

• Annual performance-based incentive opportunity • Health insurance • 401(k) retirement benefits • Life insurance • Disability benefits • Paid time off • Comprehensive benefits package • Reasonable accommodation for applicants with disabilities under applicable law