Analytics and Risk - Senior Director - Fraud and Deposit Analytics and Strategy
: Job Details :

TITLE: SENIOR DIRECTOR - FRAUD AND DEPOSIT ANALYTICS AND STRATEGYSTATUS: EXEMPTREPORT TO: SENIOR VICE PRESIDENT - PRODUCT ANALYTICS AND RISKDEPARTMENT: ANALYTICS AND RISKJOB CODE: 11735

PAY RANGE: $183,900.00 - $210,000.00 ANNUALLY

GENERAL DESCRIPTION:

The Sr. Director of Fraud and Deposit Analytics and Strategy is responsible for leading the development and execution of Golden 1 Credit Union's fraud analytics initiatives, developing strategies to detect and mitigate fraud as well as optimizing deposit product risk vs. return and member experience. This role uses advanced analytics and machine learning to improve fraud detection, safeguard financial assets, and inform deposit product strategies.

TASKS, DUTIES, FUNCTIONS:

• Developing Fraud Analytics Strategy: Lead the design, development, and implementation of a comprehensive fraud analytics strategy for lending and deposit products aligned with organizational goals and industry best practices.
• Impact and enable deposit product strategy enhancement based on economic environment, member needs and behavior, and risk
• Customer Analytics: Manage development of customer segmentation and lifetime value analysis to enhance customer acquisition, usage, retention, and satisfaction.
• Identify ways to mitigate risk and develop new policies/procedures in support of the control and governance agenda.
• Leading Cross-functional Initiatives: Collaborate with cross-functional teams including risk management, technology, operations, and compliance to integrate fraud and deposit analytics solutions into business processes and systems.
• Stay informed of industry technology trends and innovations and actively contribute to the organization's technology communities to foster a culture of technical excellence and growth.
• Advanced Analytics and Modeling: Utilize advanced statistical methods, machine learning techniques, and big data analytics to develop predictive models and algorithms to drive fraud and deposit strategies.
• Continuously evaluate external fraud models and optimize the use of these tools within fraud strategies and deposit account onboarding.
• Monitoring and Optimization: Continuously monitor the performance of fraud detection models and analytics tools, optimizing them to enhance accuracy and efficiency.
• Experience Improvement: Identify opportunities to leverage technology and streamline risk processes, driving automation, efficiency, and improved member experience.
• Risk Assessment and Mitigation: Conduct thorough risk assessments and develop strategies to mitigate risks, staying abreast of emerging threats and industry trends.
• Reporting and Communication: Prepare and present regular reports and updates to senior management and stakeholders on fraud analytics performance, findings, and recommendations.

• Develop and maintain an understanding of the pertinent regulatory requirements and risks inherent to job responsibilities, establish, and maintain control activities that mitigate those risks consistent with the Credit Union's risk appetite, and ensure operational integrity and compliance with applicable regulations.
• Team Leadership: Hire/Manage team to develop best-in-class financial services analytics/risk management capabilities. Provide guidance, mentorship, and leadership to a team of analytics/risk associates, fostering a collaborative, engaging, and innovative work environment. Promote continual learning, professional growth, and development within the team.

ORGANIZATIONAL CONTACTS & RELATIONSHIPS:

• INTERNAL : Board of Directions, Management Group, and Staff
• EXTERNAL: C.C.U.L., community organizations, vendors, suppliers, and peers in financial institutions.

QUALIFICATIONS:

• EDUCATION: Bachelor's degree in statistics, mathematics, computer science, finance, or a related field. Master's degree or MBA preferred.
• EXPERIENCE: Minimum of 15 years of experience in fraud analytics, risk management, or a related field within the financial services industry. Proven track record of leading successful fraud analytics initiatives and managing cross-functional teams.
• KNOWLEDGE / SKILLS:
  • Demonstrated excellence as a strategic thinker who can put plans into action to achieve mutually agreed upon goals in a fast-paced professional environment.
  • Strong leadership skills with the ability to influence and collaborate effectively with stakeholders at all levels.
  • Excellent communication skills, with the ability to translate complex technical concepts into business insights and recommendations and to influence and inspire cross-functional leaders and teams, vendors, and other credit unions.
  • Proficiency in statistical analysis tools (e.g., SAS, R, Python), database querying languages (e.g., SQL), and big data platforms. Experience with machine learning and data visualization tools is highly desirable.
  • Proven track record of successfully developing and managing risk strategies for small business and/or business banking products within financial services during differing macro-economic environments.
  • Strong understanding of the various risks (credit, operational, market, etc.) and management approaches within retail financial products and digital/analog operations.
  • Excellent analytical skills and ability to leverage data and customer insights to inform product, risk, pricing, and marketing strategies.
  • Ability to effectively synthesize analytic results into concise and impactful business cases with clear recommendations.
  • Strong project management skills, including the ability to prioritize tasks, manage timelines, and deliver results in a fast-paced environment.

PHYSICAL REQUIREMENTS:

LICENSES/CERTIFICATIONS:

Possession of a valid California driver's license is desirable but not essential.

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THIS JOB DESCRIPTION IN NO WAY STATES OR IMPLIES THAT THESE ARE THE ONLY DUTIES TO BE PERFORMED BY THIS EMPLOYEE. HE OR SHE WILL BE REQUIRED TO FOLLOW OTHER INSTRUCTIONS AND TO PERFORM OTHER DUTIES REQUESTED BY HIS OR HER SUPERVISOR THAT ARE WITHIN HIS / HER KNOWLEDGE, SKILL AND ABILITY AS WELL AS HIS / HER MENTAL AND PHYSICAL ABILITIES.

REV. 8/14/2025