**ABOUT THE ORGANIZATION** SMBC MANUBANK was formed by a group of banking entrepreneurs in June 1962. Our scope is to serve the specialized needs of California middle-market businesses, manufacturers, wholesalers, distributors, importers, exporters, and service companies, including small businesses and professionals. The anticipated salary range for this role is between $132,000.00 and $170,000.00. The specific salary offered to an applicant will be based on their individual qualifications, experiences, and an analysis of the current compensation paid in their geography and the market for similar roles at the time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC offers a competitive portfolio of benefits to its employees. Our mission is to be "the bank of choice" for middle market and professional service companies by establishing long term customer relationships and loyalty, providing superior products and services through a core of highly skilled and seasoned bankers. To achieve our mission to be the 'bank of choice' for middle market and professional services companies, we are focused on our vision to be the premier California regional business bank that can provide the sophistication and expertise of a larger institution with the personal 'high touch' services of a smaller bank. Specialties: Commercial Loans and Lines of Credit, Asset-Based Financing, SBA Loans, and Specialized Financing, Real Estate Loans, Cash Management Services, International Services **PRINCIPAL DUTIES & RESPONSIBILITIES:** + Define and build fraud infrastructure and strategies for new Credit Card build out. + Serve as subject matter expert on Credit Card fraud for the entire buisness + Develop data driven fraud risk strategies and controls by different type of first- and third-party fraud like Account Take Over, synthetic ID, stolen financials + Partner with Engineering, Product, and Operations teams to conceive, design, and monitor fraud strategies to mitigate fraud risk in the most precise manner possible. + Develop and maintain dashboards to track fraud loss rates by fraud types + Develop data driven process to review fraud cases + Improve core metrics related to fraud rate, incidents, charged-off dollars and customer experience from vintage to vintage; track and respond when metrics signal improvement opportunities + Identify and explore new approaches, data sources/vendors and potential partnerships to support improvements to existing and new programs; implement these tools as needed + Partner with fraud operations team to execute on the fraud risk policy and procedures + Ensure compliance with policies and requirements for internal and external auditors for all assigned responsibilities + Manage all process improvements and enhancements within area of responsibility, including evaluation of efficiency and effectiveness, cost-benefit analysis, process mapping, workflow analyses and process re-engineering. + Prepare and communicate department level reporting regarding volumes, effectiveness and project updates, especially in support of merger/conversion activities. **POSITION SPECIFICATIONS:** + Bachelor's degree, or equivalent education and related experience + 7+ years experience with Fraud Strategy + Credit Card domain knowledge within Fraud Strategy + Demonstrated analytical and problem solving skills and ability to make sound and rational decisions with limited supervision + Proficient with Data Science tools such as SQL, Python, BigQuery, SAS + Exceptional verbal and written communication skills, ability to communicate effectively with senior leaders + Ability and willingness to work flexible hours, and travel on an as-needed basis + Prior fraud experience in the financial service industry, preferably across multiple products and channels + Proven leadership and team building skills **Preferred Qualifications:** + Master Degree in a quantitative field such as Finance, Economics, Mathematics, Computer Science or equivalent. + Highly Analytical + Detail orientation but able to still see the ‘forest’ **EOE STATEMENT** SMBC provides reasonable accommodations during candidacy for applicants with disabilities consistent with applicable federal, state, and local law. If you need a reasonable accommodation during the application process, please let us know at accommodations@smbcgroup.com. **CCPA DISCLOSURE** Personal Information Collection Notice: This notice contains information under the California Consumer Privacy Act (CCPA) about the categories of personal information (PI) of California residents that SMBC MANUBANK collects and the business or commercial purpose(s) for which the PI may be used. We do not sell PI. More information about our collection and use of PI may be found in our CCPA Privacy Policy at https://www.smbcmanubank.com/privacy/ccpa-disclosure . Persons with disabilities may contact our Customer Contact Center toll-free at (877) 560-9812 to request the information in this Notice in an alternative format.