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Join us on our mission to create a completely new, 100% digital bank that truly serves customers' best interests. We are a close-knit and fun-loving team of seasoned financial services professionals who came together for the challenge of building a bank from scratch - and we are committed to doing it all the right way (from technology infrastructure to modern marketing to customer experience).

The anticipated salary range for this role is between $119,000.00and $147,000.00. 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.

We work with the flexibility and speed of a start-up. But we also have significant stability and capital from being part of the SMBC Group (Sumitomo Mitsui Banking Corporation). SMBC is the second largest bank in Japan and the 12th largest bank in the world with operations in over forty countries. And SMBC is committed to disrupting the US marketplace with ground-breaking products.

It is the best of both worlds, and we are seeking proven marketing leaders to propel us towards a national launch. We have both the ambitious growth plans and the 'patient capital' necessary to execute a multi-year plan. Join us on the journey to deliver an exciting concept of evolved banking.

Following is a summary of the essential functions of this job. Other duties may be performed, both majorand minor, which are not mentioned below. Specific activities may change from time to time.

• Develop data-driven fraud risk strategies and controls by a different type of first- and thirdparty fraud like Account Take Over, synthetic ID, stolen financials
• Develop and maintain dashboards to track fraud loss rates by fraud types
• Develop a 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
• Partner with Engineering, Product, and Operations teams to conceive, design, and monitor fraud strategies to mitigate fraud risk in the most precise manner possible.
• 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 the 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.
• Serve as subject matter expert and provide guidance and oversight to peers within Enterprise Fraud Management as well as other business units

• Bachelor's degree, or equivalent education and related experience
• 8+ year experience with Fraud strategies for acquisitions and transactional fraud.
• Proficient with data science tools such as Python, R, SQL, SAS
• Experience managing model lifecycle including onboarding, validation and model governance.
• Excellent analytical and problem-solving skills and ability to make sound and rational decisions with limited supervision
• 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

• Experience in application and transaction fraud management in consumer lending or banking.
• Experience with Actimize and FIS
• Graduate 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
We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law.

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 Manufacturers Bank 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 Persons with disabilities may contact our Customer Contact Center toll-free at to request the information in this Notice in an alternative format.