Job Description:

Role Summary/Purpose:

The VP Consumer Bank Credit will manage consumer bank risk within SYF by leading a team focused on fraud risk management and fraud mitigation strategies. This role supports business growth through effective implementation of fraud controls and innovative solutions. The VP will work closely with business partners to create balanced outcomes that protect consumers and SYF Bank, promote secure deposit growth, ensure strong authentication, and encourage innovation to meet evolving business requirements.

Essential Responsibilities:

• Manage a team responsible for deploying AI and machine learning-based deposit fraud detection and mitigation tools, as well as alert and case management workflow and reporting.

• Oversee the execution of periodic digital fraud risk assessments and strategies to ensure a robust fraud controls environment in line with Synchrony’s risk appetite and regulatory standards, in partnership with the fraud team.

• Collaborate with stakeholders on new digital deposit product approvals and maintain ongoing compliance for fraud controls.

• Coordinate with 3rd party vendors and internal teams to leverage data for optimizing fraud controls, aiming to reduce false positives, minimize losses, support business growth, and improve customer experience.

• Support ongoing training, communication, and procedure improvements related to Fraud Analytics, Operations, and other fraud-related service line activities.

• Assist in preparing presentations for Executive and Senior Management to share results, seek strategic alignment, and enable informed decision-making.

• Ensure all solutions comply with SYF Bank Fraud Policies, Model Risk Management, and regulatory requirements.

• Perform additional duties and special projects as assigned.

Qualifications/Requirements:

• Bachelor’s Degree with 8+ years of financial services experience in consumer banking, with expertise in digital deposit fraud and fraud detection practices.

• Minimum of 8 years’ experience with deposit fraud systems, transactions, and vendor tools such as AI/Machine learning platforms, Fast money movement (wire/P2P/ACH), DataVisor, Lexis Nexis, or similar.

• Familiarity with deposit industry operating rules and standards across payment networks (e.g., VISA, Mastercard, Zelle).

• At least 7 years of experience managing teams including fraud risk analysts and supervisors.

• Experience working in Agile development environments.

• Proven leadership experience within enterprise consumer banking.

• Strong ability to use data to influence business partners and communicate effectively across organizational levels.

• Ability and flexibility to travel for business as required

Desired Characteristics:

• Master’s Degree or MBA with an analytic focus is a plus.

• Demonstrated ability to analyze complex business issues, clearly communicate findings, and apply technology and process improvements.

• Deep knowledge of deposit product fraud trends and taxonomy, with emphasis on digital or non-customer facing channels.

• Solid understanding of consumer banking deposit fraud compliance and relevant regulations.

• Experience developing business cases for fraud enhancements based on emerging threat intelligence.

• Strategic, results-oriented, innovative thinker with strong problem-solving skills.

• Customer-centric approach.

• Excellent teamwork, communication, and networking abilities.

• Proficient in Consumer Banking laws and regulations related to fraud compliance (ID Theft Red Flags, KYC, Reg CC, NACHA, UCC, FCRA, etc.).

• Awareness of emerging technology trends applicable to fraud prevention and detection.

Grade/Level: 14

The salary range for this position is 170,000.00 - 290,000.00 USD Annual and is eligible for an annual bonus based on individual and company performance.

Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge.

Salaries are adjusted according to market in CA, NY Metro and Seattle.

Eligibility Requirements:

• You must be 18 years or older

• You must have a high school diploma or equivalent

• You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process

• You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act.

• New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles.  Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles.  Employees, level 8 or greater, must have at least 18 months’ time in position before they can post.  All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations).

Legal authorization to work in the U.S. is required.  We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. 

Our Commitment:

When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard – but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow.

This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We’re proud to have an award-winning culture for all. 

Reasonable Accommodation Notice:

• Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment.

• If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627.   Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time

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