AVP, Consumer Bank Fraud Strategy Analyst

Role Summary/Purpose:

The AVP, Consumer Bank Fraud Strategy will play a key role in analyzing and strengthening fraud controls within our Consumer Bank. The ideal candidate will have a strong background in fraud detection, prevention, and analysis with a focus on strategy creation and tuning as well as a proven track record of representing the business, partnering with cross-functional project teams, and delivering projects on time and within budget . 

Our Way of Working:

We’re proud to offer you flexibility. At Synchrony, our way of working allows you to have the option to work from home near one of our Hubs or come into one of our offices. You will be required to commute to your nearest Hub (either virtual or physical) for in-person engagement activities such as regular business or team meetings, training and culture events. 

*Field Sales and some Commercial team roles may have varied location requirements based upon partner obligations or preferences.

Essential Responsibilities:

• Proactively identify opportunities to strengthen controls while monitoring fraud cases, alerts, and fraud incidents to identify patterns, emerging attack vectors, and potential control gaps; synthesize findings into actionable strategy updates and operational guidance.
• Conduct targeted data pulls and analysis to investigate fraud behavior, validate observations, and support rule/scenario testing.
• Support the development and ongoing enhancement of Consumer Bank fraud strategies for real time voice and digital transactions and activity, leveraging industry knowledge, known risk vectors, and internal case/loss learnings.
• Configure, tune, and maintain fraud strategy rules/thresholds within our fraud engine, following established change governance, testing practices, and documentation standards.
• Execute rule validation and scenario tests, partnering with Fraud Analytics for scaled analysis across larger data sets and support implementation of approved changes.
• Partner with Fraud Operations to ensure strategies are operationally executable and prioritized appropriate to risk level
• Collaborate closely with Fraud Analytics, Fraud Operations, Investigations, and cross-functional partners to perform strategy reviews, share findings, and support timely response to new and evolving fraud patterns.
• Work with Digital and Fraud agile delivery teams to translate strategy needs into requirements, support implementation, and validate end-to-end behavior of real-time decisioning and feedback processes.
• Communicate strategy rationale and findings clearly to stakeholders and risk leaders, supporting recommended changes with evidence-based insights.
• Interact with vendor partners, representing business needs and ensuring service alignment with our risk management goals.
• Complete required fraud strategy documentation and maintain clear rationale for strategy changes to support internal governance and audit readiness.
• Perform other duties and/or special projects as assigned.

Qualification Requirements:

• Minimum 5+ years of experience in fraud strategy, fraud investigations, fraud operations, fraud risk management, or related financial crimes work within banking or financial services, with relevance to digital/online banking and transaction fraud.
• Demonstrated experience translating case/loss learnings and emerging fraud trends into actionable strategy changes and operational guidance.
• Minimum 3+ years of hands-on experience configuring, tuning, or maintaining fraud strategy rules/thresholds within a fraud decisioning platform, including structured testing and change management discipline.
• Working proficiency with SQL and/or other data management tools, and comfort extracting/analyzing data to support investigations, rule validation, and scenario testing.
• Strong analytical, investigative, and problem-solving skills; ability to synthesize complex information into clear recommendations.
• Strong written and verbal communication skills, and experience partnering with cross-functional teams.
• Ability and flexibility to travel for business as required

Desired Characteristics:

• Demonstrated ability to present complex fraud scenarios and strategy rationale to risk leaders and cross-functional stakeholders in a clear, defensible manner.
• Experience supporting evaluation and optimization of third-party fraud tools, data sources, or control capabilities (including proof-of-value/POC participation).
• Strong knowledge of evolving digital fraud attack vectors and banking fraud terminology, with ability to convert trends into practical mitigations.
• Experience conducting link analysis and case-based pattern development (e.g., identifying rings, common attributes, and repeatable risk signals) and translating outcomes into control updates.
• Experience working with scaled agile teams to implement business requirements

Grade/Level: 11

The salary range for this position is 115,000.00 - 200,000.00 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.

Our Way of Working:

We’re proud to offer you flexibility. At Synchrony, our way of working allows you to have the option to work from home near one of our Hubs or come into one of our offices. You will be required to commute to your nearest Hub (either virtual or physical) for in-person engagement activities such as regular business or team meetings, training and culture events. 

*Field Sales and some Commercial team roles may have varied location requirements based upon partner obligations or preferences.

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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