The Commercial Card Fraud Strategy Leader leads the end‑to‑end strategy, analytics, and program oversight for fraud and credit risk within the Commercial Credit Card portfolio. The position is responsible for building advanced fraud detection capabilities, shaping risk controls, and driving operational excellence across products, processes, and systems. With a focus on analytical innovation, cross‑functional partnership, and strong governance, this leader will guide a high‑performing team to reduce losses, enhance customer experience, and ensure compliance with corporate and regulatory requirements.

Key Responsibilities

• Risk Strategy & Oversight
  • Lead end-to-end reviews of current fraud and credit risk management capabilities, strategies, and controls.
  • Oversee and monitor the Commercial Credit Card portfolio to reduce credit and fraud losses, mitigate employee misuse, and balance customer experience.
  • Identify risks, develop controls, and evaluate their effectiveness, escalating issues as appropriate.
  • Deliver timely escalation of risk issues to senior management and collaborate on action plans.
• Analytical Leadership
  • Build and mentor a team of data scientists and analysts to develop and implement advanced machine learning and statistical models for fraud detection and prevention.
  • Drive portfolio fraud analytics across customer segments, providing actionable insights for risk strategies.
  • Develop predictive models to monitor and mitigate emerging fraud threats, integrating real-time detection with engineering and IT teams.
  • Use data-driven insights to recommend improvements to fraud prevention systems and technologies.
• Program Development & Collaboration
  • Develop a comprehensive fraud risk management program for Commercial Card and Expense products, including key indicators for tracking and reporting.
  • Partner with internal stakeholders, external vendors, and customers to launch and update risk controls across products.
  • Act as Business Segment Relationship Manager (BSRM) for vendor partnerships, ensuring compliance with Third Party Risk Management requirements.
  • Collaborate with audit, business segment, and corporate risk teams to address issues and support strategic goals.
• Operational Excellence
  • Manage, mentor, and develop a team within the Fraud Strategy & Analytics group, fostering a collaborative, innovative, and high-performance culture.
  • Establish team goals, measure performance, and ensure alignment with company objectives.
  • Drive operational efficiencies and scale through process improvements, automation, and staff development.
  • Develop chargeback management strategies for card issuing and travel businesses.
• Documentation & Compliance
  • Responsible for creation and approval of risk assessments for new product launches/enhancements.
  • Update documentation regularly, including credit policies, procedures, and process flows.
  • Ensure adherence to corporate and business unit policies and regulatory requirements.

Qualifications

• 10+ years of experience in fraud strategy, fraud prevention, data analytics, or risk management.
• 5+ years of experience in fraud risk management at commercial card issuers
• Deep expertise in identity and payment fraud methods, tools, and processes for prevention, detection, and fraud operations.
• Advanced proficiency in data science techniques, including machine learning, predictive modeling, and statistical analysis.
• Experience with fraud detection platforms, rule engines, and data visualization tools.
• Strong understanding of payment processing systems, card networks, and risks specific to card transactions and corporate expense management.
• Excellent analytical, organizational, and problem-solving skills.
• Strong verbal and written communication skills, with the ability to present requirements and issues clearly.
• Ability to lead multiple projects simultaneously, prioritize effectively, and thrive in a fast-paced, evolving environment.
• Proficiency in MS Office suite and analytical tools such as Python, R, SQL, and/or SAS.
• Experience in underwriting (credit) and card fraud/disputes is preferred.
• Knowledge of risk management principles and regulatory compliance requirements.
• Bachelor’s degree required; advanced degree preferred. In lieu of a degree, additional years of segment-specific or risk-related experience may be considered.

Hours and Work Schedule:

Hours per week:  40

Work Schedule:  Monday - Friday

**Citizens will not sponsor an applicant for a work visa, such as an H-1B, for this position.

Pay Transparency 

The salary range for this position is $146,000 - $178,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits .

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Equal Employment and Opportunity Employer

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Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.