Senior Fraud Strategy & Real-Time Decisioning Lead

Vanguard; Scottsdale (AZ); Hybrid; USD 120,000 - 180,000; Full time

Benefits offered by this job

Visa sponsorship

Hybrid work model

Professional growth opportunities

Job summary

Vanguard is seeking a senior leader in Global Risk and Security to shape fraud prevention across real-time channels. You will own decisioning logic, partner with Product, Engineering, Risk, and Operations, and drive platform improvements in fraud rules engines.

The role emphasizes governance, data-driven strategy, and collaboration across teams. You will leverage Python, SQL, and analytics to optimize detection and reduce false positives while ensuring regulatory adherence and strong governance

Qualifications

• Minimum of five years related work experience.
• Undergraduate degree or equivalent combination of training and experience. Graduate degree preferred.
• Expertise in: Account takeover, social engineering, and transaction fraud risks within retirement and workplace channels
• Proven experience managing real-time fraud decisioning environments and rules strategies
• Strong experience partnering across Product, Engineering, Risk, and Operations

Responsibilities

• Set Fraud Strategy & Coverage: Define fraud prevention strategy across real-time payment channels, including risk appetite and control coverage.
• Own Real-Time Decisioning: Design and manage fraud rules, decision logic, and detection strategies within real-time decisioning platforms.
• Lead Platform & Capability Build: Drive enhancements and implementation of fraud rules engines and decisioning platforms in partnership with engineering.
• Optimize Performance Outcomes: Monitor and improve fraud detection, false positives, and client friction through ongoing control tuning and performance management.
• Leverage Data & Models: Use analytics and model insights to identify trends, refine strategies, and improve detection effectiveness.
• Partner Cross-Functionally: Collaborate with Product, Engineering, Risk, and Operations to embed fraud controls into customer journeys and new product launches.
• Ensure Strong Governance: Maintain disciplined control testing, monitoring, and adherence to risk and regulatory standards.

Skills

Fraud rules engines

Real-time decisioning

Executive storytelling

Cross-functional collaboration

Analytics / data analysis

Python

SQL

Tableau/Power BI

Education

Undergraduate degree

Graduate degree preferred

Tools

Python

R

SAS

SQL

Tableau

Power BI

Job description

Vanguard is seeking a senior leader in Global Risk and Security to shape fraud prevention across real-time channels. You will own decisioning logic, partner with Product, Engineering, Risk, and Operations, and drive platform improvements in fraud rules engines.

The role emphasizes governance, data-driven strategy, and collaboration across teams. You will leverage Python, SQL, and analytics to optimize detection and reduce false positives while ensuring regulatory adherence and strong governance