Enterprise Payment Fraud Strategist

Carhartt; Dearborn (MI); Hybrid; USD 120,000 - 170,000; Full time

Job summary

Carhartt seeks an Enterprise Payment Fraud Strategist to design and execute a comprehensive fraud prevention program across customer payment channels and platforms. You will collaborate with stakeholder teams like Cyber Security, IT, Finance, eCommerce, and legal/compliance to balance risk and growth.

Lead the fraud framework, KPIs, and loss metrics while guiding external partners and ensuring regulatory alignment. This role emphasizes strategic insight and cross-functional leadership.

Qualifications

• 8-10 years of progression in fraud risk management or related fields.
• Experience developing or managing fraud strategies with metrics.
• Cross-functional collaboration with business, tech, and risk teams.
• Strong use of fraud data and operational metrics to drive decisions.
• Ability to prepare executive-level fraud performance reporting.

Responsibilities

• Develop and own the enterprise fraud strategy for customer payments across sales channels.
• Establish risk-based controls, decisioning principles, and performance objectives.
• Balance fraud mitigation with customer experience and revenue preservation.
• Define fraud risk appetite and governance with leadership.
• Oversee external payments ecosystem strategy and partners.
• Lead discussions on trends, performance, and risk mitigation.
• Act as subject matter expert for customer payment fraud with stakeholders.
• Assess fraud risk for new initiatives and system changes; define controls.
• Define and oversee a fraud KPI and loss metric framework.
• Analyze trends and macro patterns to inform strategic decisions.
• Provide executive insights on fraud exposure and impact.
• Ensure alignment with regulatory expectations and network rules.

Skills

Fraud risk management

Payments risk

eCommerce fraud

Chargeback management

Analytics

Reporting

Cross-functional leadership

Stakeholder management

Organizational skills

Education

Bachelor's degree in Finance/Accounting/Business/ Economics/ Cyber Security

Tools

Fraud analytics platforms

Job description

5750 Mercury Dr, Dearborn, MI 48126, USA

Job Description

Posted Monday, August 10, 2026 at 4:00 AM

Department: Accounting/Finance

Reports to: Director, Treasury

Location: Dearborn

Job Classification: Hybrid

FLSA Status: Exempt

Job Band: Professional

Job Summary

The Enterprise Payment Fraud Strategist role is responsible for developing, implementing, and optimizing the organization’s fraud prevention strategy across customer/consumer payment channels and global payment platforms. This role leads efforts to mitigate fraud losses while balancing customer/consumer experience, sales conversion, and operational efficiency. The position partners closely with internal stakeholders across Customer/consumer Service, Cyber Security, IT, Finance, eCommerce, Digital Product, Legal/Compliance, and Operations, as well as external payment processors, issuers, acquirers, fraud solution providers, and other payment ecosystem partners.

This role owns the fraud strategy framework for customer/consumer payments, including fraud controls, detection rules, manual review processes, chargeback mitigation, monitoring, loss reporting, and performance measurement. The Enterprise Payment Fraud Strategist role is also responsible for establishing key fraud metrics and KPIs, analyzing fraud trends, evaluating the total cost of fraud, and recommending strategies that reduce risk while supporting business growth.

Inspired by Hard Work

At Carhartt, the values of hard work—dependability, honesty, and trust—are rooted in the legacy of our founder, Hamilton Carhartt. His commitment to serving hardworking people continues to inspire everything we do. Guided by his legacy and our mission—We serve and protect all hardworking people by building durable products—we remain dedicated to upholding these principles in every decision we make and every product we create.

Associate Responsibilities

• Develop and own the enterprise fraud strategy for customer/consumer payment activity across all relevant sales channels.
• Establish the fraud strategy framework including risk-based decisioning principles, control philosophy, and performance objectives. Oversee the investigation and remediation of fraud incidents ensuring timely escalation to senior management and drive long-term resiliency strategies.
• Establish and maintain a risk-based fraud operating model that balances fraud mitigation with customer/consumer experience, order approval rates, and revenue preservation.
• Define fraud risk appetite, governance structure, and escalation protocols in partnership with leadership.
• Own the external fraud ecosystem strategy, including selection and strategic oversight of payment processors, fraud tools, and partners.
• Lead strategic partner discussions on fraud trends, authorization performance, and emerging risk mitigation approaches.
• Serve as the enterprise subject matter expert for customer/consumer payment fraud and align stakeholders across business, technology, and risk functions.
• Assess fraud risk for new business initiatives, payment methods, and system changes, and define required controls prior to implementation.
• Define and oversee fraud performance measurement framework including KPIs, loss metrics, and value-based outcomes.
• Analyze fraud trends, emerging threats, and macro patterns to drive strategic risk mitigation decisions.
• Prepare executive-level insights and recommendations on fraud risk exposure, financial impact, and strategic priorities.
• Ensure alignment of fraud strategy with regulatory expectations, payment network rules, and internal risk management standards.

Required Education

• Bachelor’s degree in Finance, Accounting, Business, Economics, Criminal Justice, Forensics, Information Systems, Cyber Security, or a related field.

Required Skills & Experience

• 8-10 years of progressive experience in fraud risk management, payments risk, eCommerce fraud, chargeback/dispute management, or a related discipline.
• Demonstrated experience developing or managing fraud strategies, controls, and performance metrics in a customer/consumer payments environment.
• Experience partnering cross-functionally with business, technology, operations, and external third-party providers.
• Strong analytical experience using fraud data, transaction trends, chargeback data, and operational metrics to drive decisions and recommendations.
• Experience preparing reporting, dashboards, and executive-level presentations related to fraud performance and financial impact.
• Experience in retail, eCommerce, omnichannel, consumer payments, or card-not-present environments.
• Strong cross-functional leadership and stakeholder management skills.
• Strong organizational skills and ability to manage multiple priorities simultaneously.

Preferred Skills & Experience

• Certified Fraud Examiner (CFE) – strong credential for fraud risk, investigations, and fraud program knowledge.
• Accredited Payments Risk Professional (APRP) – valuable for payment risk and payments ecosystem knowledge.

Physical Requirements and Working Conditions

• Normal office environment; cubicle/office setting. Extended periods of time sitting, standing, typing on a computer is required.
• This position has a Hybrid location: Associate will work on-site regularly as needed for work activities.
• Carhartt is a tobacco free workplace.

#LI-HYRBID

We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, ethnicity, disability, religion, national origin, gender, gender identity, gender expression, marital status, sexual orientation, age, protected veteran status, or any other characteristic protected by law.

All associates are required to understand and act in accordance with the Carhartt Core Values. Carhartt reserves the right to change, modify, suspend, interpret or cancel in whole or in any part, the job duties outlined above at any time and without advance notice to the employee.

5750 Mercury Dr, Dearborn, MI 48126, USA