About your role:
You will lead fraud risk management for value‑added products across payments and closed‑loop solutions, driving strategy and operational controls to protect revenue and customer experience. The role partners with product, engineering, and data teams to scale detection, response, and prevention capabilities for Gift Cards, Rapid Deposit, and Dynamic Payments.
What you’ll do:
- Define and execute the fraud risk strategy for value‑added products, including closed‑loop gift cards, ensuring alignment with business objectives and customer experience.
- Partner with Engineering and Data Science to design, validate, and scale fraud detection models, decision engines, automation, and monitoring systems.
- Collaborate with Product and Commercial teams to embed fraud mitigation into product roadmaps and client implementations, supporting go‑to‑market and commercialization.
- Lead fraud operations oversight: investigations, case management, chargeback/return controls, refund abuse prevention, and fraud P&L governance.
- Drive automation and GenAI initiatives to reduce manual review volumes, lower operating expense, and improve throughput and accuracy.
- Act as an external subject matter expert with clients and industry partners to advise on fraud posture, incident response, and best practices.
- Ensure fraud programs meet regulatory, compliance, and audit requirements (e.g., PCI DSS, NACHA, OFAC/AML considerations).
- Build, mentor, and scale a high‑performing fraud risk team and establish KPIs, SLAs, and continuous improvement practices.
- Responsibilities listed are not intended to be all-inclusive and may be modified as necessary.
Experience you’ll need to have:
- 13+ years of experience in fraud risk management and leadership for payments and digital value‑added products (e.g., gift cards, payment rails, digital wallets).
- 10+ years of experience designing and deploying fraud detection models, machine learning pipelines, and decisioning engines.
- 10+ years of experience in cloud platform architecture and deploying scalable monitoring and streaming/batch pipelines (AWS, GCP, or Azure).
- 10+ years of experience implementing and maintaining compliance and security standards relevant to payments and fraud (PCI DSS, NACHA rules, OFAC/AML screening).
- 8+ years of experience in programming and data tooling for analytics (Python, SQL, Spark) and BI/reporting tools (Looker, Tableau, Power BI).
- 8+ years of experience with fraud prevention and detection technologies and services (e.g., Actimize, Sift, Kount, ThreatMetrix, Ethoca) and chargeback/transaction monitoring systems.
- 8+ years of equivalent combination of educational background, related experience, and/or military experience.
Experience that would be great to have:
- Prior hands‑on experience integrating GenAI or automation platforms into fraud workflows (e.g., automation of case triage or decision support).
- Experience presenting fraud metrics and risk tradeoffs to executive leadership and external clients, including preparing board‑level risk summaries.
- Previous work embedding fraud controls into product development lifecycles and commercial deployments for enterprise clients.
- Familiarity with payments network dispute processes (Visa / Mastercard / ACH) and chargeback recovery strategies.
How you’ll work:
- This role is on-site Monday through Friday. Fiserv considers in-person collaboration to be an essential part of this role as in-person office experiences help you with your overall onboarding experience and leads to stronger productivity.
- This role requires the use of a computer and audio equipment.
- You will work an assigned schedule of 8:00am - 5:00pm.
- This role requires frequent moving and/or carrying of materials weighing up to 50 pounds.
Sponsorship:
- You must currently possess valid and unrestricted U.S. work authorization to be considered for this role. Individuals with temporary visas including, but not limited to, F-1 (OPT, CPT, STEM), H-1B, H-2, or TN, or any candidate requiring sponsorship, now or in the future, will not be considered for this role.
Benefits at Fiserv:
- Fuel Your Life program to support physical, financial, social, and emotional well-being
- Paid holidays and generous time away policies
- No-cost mental health support through Employee Assistance Programs
- Living Proof program to recognize your peers’ extra effort with points used for rewards
- Eight Employee Resource Groups to foster a collaborative culture
- Unparalleled professional growth with training, development, and internal mobility opportunities
- Retirement planning and discounted shares with the Employee Stock Purchase Plan
- Medical, dental, vision, life, and disability insurance options available day one
- Tuition assistance and reimbursement program
- Paid parental, caregiver, and military leave
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