At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed.  We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

The Enterprise Fraud Risk Management Governance manager collaborates with a team of fraud governance professionals as part of the Enterprise Fraud and Payments Risk Management group within the Risk Management and Compliance business line. This risk manager position will ensure proper governance, risk, and control activities occur that directly or indirectly impact the Company’s fraud risk, and report to the Director of Enterprise Fraud Governance.

Key responsibilities include:

Actively monitors and oversees implementation of the Enterprise Fraud Risk Management Policies and Standards.

Development of mechanisms for ensuring ongoing adherence to the Enterprise Fraud Risk Management Policies and Standards.

Partner with the enterprise fraud analytics team to develop and execute on Authentication Risk Strategy oversight activities.

Actively lead and/or participate in the execution of risk management governance routines, such as the 

Governance reporting such as the Fraud Risk Management Quarterly Management Letters (QMLs).

Independent fraud risk assessment

Assess quantity, direction and quality of risk through the enterprise Risk Assessment Profile (RAP) processes

Active participation in Root Cause Analysis of large adverse events

RCSA risk and control reviews

Fraud issue oversight

Maintain the enterprise’s fraud risk inventory through Enterprise Risk Management’s Risk Identification framework

Collaborate across the team and the broader organization to support the bank’s Elder and Vulnerable Adult Financial exploitation program.

Fraud related complaint analysis

Additional projects as needed

Additionally, this role must have a thorough understanding of applicable laws, regulations, financial services, and regulatory trends that affect the organization. This role will interact directly with other peers and senior managers, requiring well developed presentation, relationship building, and negotiation skills. Lastly, a successful candidate will also possess the skills needed to effectively and credibly communicate with peers and senior managers across the organization in an evolving regulatory environment.

Basic Qualifications
- Bachelor's degree, or equivalent work experience
- Typically more than eight years of applicable experience

Preferred Skills/Experience

- Bachelor’s degree in business, finance, economics, or another applicable field
- Extensive experience in operational risk governance routines, preferably in the financial services industry
- Experience managing fraud risks within the financial services industry
- Excellent communication skills, both written and verbal
- Exceptional problem solving, critical thinking, and troubleshooting skills
- Ability to build relationships cross-functionally and over the phone
- Ability to work with and influence at all levels of the organization, including with executive leadership
- Ability to prioritize and manage multiple tasks, while establishing responsible deadlines
- Flexibility in day-to-day work and tolerance for ambiguity
- Positive ‘can-do’ attitude and a strong desire to continue to learn and ask questions
- Attention to detail in writing, planning, and communication

**The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.**

**We are hiring in the following locations:

Cincinnati, OH

Minneapolis, MN

Charlotte, NC

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits: 

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

Healthcare (medical, dental, vision)

Basic term and optional term life insurance

Short-term and long-term disability

Pregnancy disability and parental leave

401(k) and employer-funded retirement plan

Paid vacation (from two to five weeks depending on salary grade and tenure)

Up to 11 paid holiday opportunities

Adoption assistance

Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

EEO is the Law

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal KNOW YOUR RIGHTS EEO poster.  

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $111,605.00 - $131,300.00 - $144,430.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Job postings typically remain open for approximately 20 days of the posting date listed above, however the job posting may be closed earlier should it be determined the position is no longer required due to business need. Job postings in areas with a high volume of applicants, such as customer service, contact center, and Financial Crimes investigations, remain open for approximately 5 days of the posting listed date.