Associate Director Credit Card Fraud Prevention

About Us

OneMain Financial is the country's largest lending-exclusive financial company, proudly serving millions of customers with safe, affordable, and transparent installment loans. Our customers turn to us every day-online and at 1,400 branches in 44 states-to help them take control and improve their financial lives with solutions for debt consolidation, medical expenses, household bills, home improvements and auto purchases. Our talented and dedicated team members constantly look for responsible ways to serve our customers when, where and how they want. It's all about doing the right thing-a mission that hasn't changed for more than 100 years.

The Role

OneMain is seeking a seasoned professional with deep experience in financial services fraud prevention.

Responsibilities:

• Defining target state and developing a roadmap for appropriate fraud controls for new account opening and customer-facing channels, including the IVR, call center, online banking, mobile app, and digital wallets.
• Navigating the market for new fraud prevention tools and proposing options for upgrading existing tools where needed.
• Understanding and driving loss prevention from various fraud threat vectors within consumer originations including 1st and 3rd party fraud and Synthetic Identity.
• Directing and conducting independent analytics of portfolio behavior to identify fraud trends / patterns and operational metrics using relevant tools (SQL, SAS, Python, R, Tableau).
• Developing fraud detection strategies and monitoring strategy performance.
• Building appropriate alerting / reporting for monitoring trends and identifying emerging anomalies that could be indicative of fraud events.
• Building and deploying fraud rules in production systems.
• Owning a high-dollar case review process and assigning responsibility for remediating key findings, including team members outside of the Card Fraud Prevention team.
• Partnering with the Product team on automating existing manual processes such as a manual fraud review and card unblocking, as well as customer self-service in the mobile app and online banking.
• Communicating effectively with stakeholders and senior executives both verbally and in written presentations.

• Ability to work in a fast-paced, ever-changing environment and the ability to juggle an array of tasks and individuals on tight timelines.
• Self-motivated and organized - a high degree of comfort managing multiple stakeholders and team members; strong collaboration and teamwork skills; and a problem-solver oriented toward achieving results.
• Innovative and capable of developing a highly analytical approach to solving problems.
• Ability to work as both an individual contributor and the manager of a small team to effectively drive analytics and strategy implementation/optimization.

Qualifications

• Bachelor's degree (required)or Advance degree (preferred) in a quantitative field study (e.g. mathematics, statistics, economics, data science, scientific, or engineering or an equivalent combination or experience and education.
• 7 years' experience in analytics and fraud policy/strategy roles within financial services fraud risk management.
• Experience with digital lending and/or FinTech's is a plus.
• Knowledge and expertise of fraud management tools and techniques (preferred experience with near/sub-prime products).
• Knowledge of consumer-lending best practices, including the use of advanced statistical techniques and data sources.
• Strong communication, interpersonal, and negotiation skills to gain trust and achieve business objectives.
• Previous experience with account takeover protection across multiple customer channels, such as the IVR, call center, online banking, mobile app, and digital wallets.
• Fraud strategy and analytics experience with developing fraud detection strategies and monitoring strategy performance.
• Ability to own holistic end-to-end fraud controls, including new account opening, transaction fraud, and chargebacks.
• Ability to balance strategic thinking and operational delivery.
• Energy, curiosity, and ability to frame intelligent questions to uncover issues and spearhead the formulation of approach and methodology.
• A high degree of comfort drawing well-supported insights from complicated datasets to influence and convey a point of view to the leadership team.

Benefits

Because we want our team members to bring us their very best every day, we believe they deserve the right opportunities and benefits. That's why we packed our comprehensive benefits package for full- and some part-timers with:

• Health and well-being options for team members and their dependents
• Up to 4% matching 401(k)
• Tuition reimbursement
• Continuing education
• Bonus eligibility
• Paid time off
• Paid volunteer time