**Your opportunity** This position is within the firm's Banking Operations Transaction Risk Interdiction and Detection (TRIAD) team, part of the Operational Services organization. The team is responsible for developing and managing complex decision logic across several fraud risk decision channels covering new account opening, deposit risk, and payments risk in wire transfer, ACH, Zelle, debit card, check clearing and online bill pay.  Additionally, the team participates as business owners and subject matter experts in technology projects, product development initiatives, and policy discussions.   This position is a people leader role and will provide guidance, coaching and development to a team driving day-to-day tactical business results and long-term strategic change.  The successful candidate will combine their skills in data analytics, digital authentication, and fraud risk management with a demonstrated track record of exceptional people leadership.   Additionally, this role serves as the First Line of Defense subject matter expert across the Broker Dealer and Bank with regards to the overall fraud model risk management, fraud controls and reporting systems and relevant enterprise policies, standards, and procedures. Communicates awareness of fraud risk and controls for enhanced knowledge share, transparency, decision-making, and risk management performance. This role works closely with business line partners, Second Line of Defense, audit, and regulators in conducting assigned duties. The individual performing this role must demonstrate independent judgment with a minimal amount of supervision and direction. Performs a wide range of responsibilities, some which are complex and confidential in nature. + Develop, implement, and execute strategies, policies, and processes to manage and mitigate financial loss from fraudulent activities while ensuring an appropriate balance between risk management and client experience. + Establish and maintain robust fraud risk management procedures, including detective and preventative controls. + Communicate model performance in verbal and written form to senior leadership, model validators,and other key stakeholders. + Collaborate with First Line of Defense business partners and Second Line of Defense in developing and implementingrule strategies specific to internal and external fraud, associated with both new and existing activities, products, or services of the Bank. + Identify and implement appropriate fraud detection tools and related procedures, addressing aspects of both effective fraud risk management and operational efficiency. + Oversee the monitoring of fraud warning reports and supporting fraud risk management applications. + Maintain relationships with regulatory and law enforcement sources, and other industry resources, as appropriate, to ensure timely application of relevant knowledge related to fraud trends, prevention & detection processes, and risk management practices. Leverage relevant information and insights for continuous improvement of the Broker/Dealer and Bank’s fraud practices. + This is a detail-focused and analytically oriented environment requiring the ability to work on multiple projects concurrently to be successful.  **What you have** Required: + 8+ years of direct people leadership and 3+ years of leadership experience leading teams with data analytics accountabilities + 5+ years of data analytics and/or general analysis experience, ideally in a fraud risk management environment. + 4+ years of bank, brokerage or fintech experience + Strong understanding of the concepts and data used in digital authentication + Strong understanding of fraud typologies, especially related to wire transfer + Demonstrated ability to process large quantities of data, summarize key findings, and present effectively to team members, senior leadership and internal customers + Working knowledge of gathering and documenting data requirements and analyzing those requirements from a business perspective + Experience defining, implementing, and improving operational processes and procedures, ideally in a fraud or risk management environment + Bachelor’s degree in finance, Applied Science, Mathematics, Statistics, Data Analytics or related field + Applicable experience may serve in lieu of degree + Graduate degree in Finance, Mathematics, Statistics, preferred + Advanced SAS, SQL and / or other programming skills with experience in working with large datasets + Working knowledge of data analytics tools such as Alteryx, PowerBI, etc. + Working knowledge of Tableau + Working knowledge of Microsoft Office products especially Excel + Excellent communication and relationship skills + Positive demeanor, passion, professionalism, and strong work ethic with high level of integrity and ethics + Demonstrated initiative and creativity in problem solving Preferred: + Certified Fraud Examiners (CFE) Certification, Series 7, 9 &10 a plus + A basic understanding of fraud risk decision strategy development and decision engine capabilities is preferable. **What’s in it for you** At Schwab, we’re committed to empowering our employees’ personal and professional success. Our purpose-driven, supportive culture, and focus on your development means you’ll get the tools you need to make a positive difference in the finance industry. Our Hybrid Work and Flexibility approach balances our ongoing commitment to workplace flexibility, serving our clients, and our strong belief in the value of being together in person on a regular basis. We offer a competitive benefits package that takes care of the whole you – both today and in the future: + 401(k) with company match and Employee stock purchase plan + Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions + Paid parental leave and family building benefits + Tuition reimbursement + Health, dental, and vision insurance What’s in it for you: At Schwab, we’re committed to empowering our employees’ personal and professional success. Our purpose-driven, supportive culture, and focus on your development means you’ll get the tools you need to make a positive difference in the finance industry. Our Hybrid Work and Flexibility approach balances our ongoing commitment to workplace flexibility, serving our clients, and our strong belief in the value of being together in person on a regular basis. We offer a competitive benefits package that takes care of the whole you – both today and in the future: 401(k) with company match and Employee stock purchase plan Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions Paid parental leave and family building benefits Tuition reimbursement Health, dental, and vision insurance Schwab is an affirmative action employer, focused on employing and advancing in employment, qualified women, racial and ethnic minorities, protected veterans, and individuals with disabilities in the workplace. If you have a disability and require reasonable accommodations in the application process, contact Human Resources at applicantaccessibility@schwab.com or call 800-275-1281.