Senior Manager, Commercial Client Lifecycle Fraud Strategy
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Key skills for this role
About the Role
RBC is seeking a highly motivated fraud leader to build and operationalize modern fraud controls across commercial banking access channels. You will support fraud strategy execution, analyze fraud events, and partner with cross-functional teams.
Key Skills for This Role
Responsibilities
- Support fraud strategy execution across commercial onboarding, cheque ecosystems, and client lifecycle activities
- Develop and optimize fraud controls related to fraudulent enrollments and ongoing client eligibility
- Analyze fraud events, onboarding trends, client behaviors, and operational metrics to identify emerging threats and optimization opportunities
- Support fraud mitigation initiatives involving first party fraud, mule businesses, synthetic entities, and lifecycle abuse
- Partner with Commercial Channels Fraud and Payments Fraud teams to support integrated enterprise fraud intelligence
- Support implementation of fraud technologies, analytics platforms, and control modernization initiatives
- Prepare fraud reporting, analytics, executive updates, and control performance insights
- Coordinate with onboarding, operations, trade, product, risk, fraud, cybersecurity, and technology teams on fraud mitigation initiatives
- Provide senior management with timely updates on fraud loss savings and risk performance
- Conduct data analysis to support business cases for technology or FTE investment
- Work collaboratively in cross functional squads to optimize the risk balance while managing prioritized backlogs
- Research and assess best in class fraud mitigation strategies and technologies
Requirements
- Deep understanding of the Commercial client lifecycle, from onboarding to de market
- 5+ years of demonstrable experience in fraud management, onboarding/KYC, financial crimes, commercial banking risk or operational risk
- Proven expertise in commercial banking client onboarding, account opening, product enrollment workflows, and associated fraud risks
- Hands on experience designing, implementing, and monitoring risk controls, investigations, analytics programs, and onboarding review processes
- Advanced Excel proficiency for fraud analytics, trend analysis, reporting, and data interpretation
- Proven track record managing multiple concurrent initiatives and delivering results within fast paced transformation environments
- Excellent written and verbal communication skills with demonstrated ability to influence stakeholders at senior management levels
Full Job Posting
What is the Opportunity?
- We are seeking a highly motivated fraud leader to help build and operationalize modern fraud controls across commercial banking access channels.
- Reporting to the Director, Commercial Client Lifecycle and Deposits Fraud Strategy, you will support the design, execution, and optimization of fraud controls across various channels in the client lifecycle journey.
- This is an opportunity to work on high impact fraud transformation initiatives involving digital trust, behavioral analytics, authentication modernization, and cross channel fraud detection.
What will you do?
- Support fraud strategy execution across commercial onboarding, cheque ecosystems, and client lifecycle activities.
- Develop and optimize fraud controls related to fraudulent enrollments and ongoing client eligibility to our products and our channels
- Analyze fraud events, onboarding trends, client behaviors, and operational metrics to identify emerging threats and optimization opportunities.
- Support fraud mitigation initiatives involving first party fraud, mule businesses, synthetic entities, and lifecycle abuse.
- Partner with Commercial Channels Fraud and Payments Fraud teams to support integrated enterprise fraud intelligence and cross domain detection capabilities.
- Support implementation of fraud technologies, analytics platforms, and control modernization initiatives.
- Prepare fraud reporting, analytics, executive updates, and control performance insights.
- Coordinate with onboarding, operations, trade, product, risk, fraud, cybersecurity, and technology teams on fraud mitigation initiatives.
- Provide senior management with timely updates on fraud loss savings and risk performance.
- Conduct data analysis to support business cases for technology or FTE investment.
- Work collaboratively in cross functional squads to optimize the risk balance while managing prioritized backlogs.
- Research and assess best in class fraud mitigation strategies and technologies.
Must haves
- Deep understanding of the Commercial client lifecycle, from onboarding to enrollment of products, to de market, and everything in between
- 5+ years of demonstrable experience in fraud management, onboarding/KYC, financial crimes, commercial banking risk or operational risk
- Proven expertise in commercial banking client onboarding, account opening, product enrollment workflows, and associated fraud risks
- Hands on experience designing, implementing, and monitoring risk controls, investigations, analytics programs, and onboarding review processes
- Advanced Excel proficiency for fraud analytics, trend analysis, reporting, and data interpretation—demonstrated through complex models and dashboards
- Proven track record managing multiple concurrent initiatives and delivering results within fast paced transformation environments
- Excellent written and verbal communication skills with demonstrated ability to influence stakeholders at senior management levels
Nice to have
- Experience with behavioral analytics, authentication technologies, or fraud monitoring platforms
- Knowledge of commercial payment ecosystems and payment fraud typologies
- Familiarity with data tools (SQL, Python, SAS, Power BI, Tableau, Alteryx, or equivalent)
- Familiarity with API security or host to host banking integrations
- Exposure to AI/ML fraud detection or fraud intelligence programs
- Project management or consulting experience
- Vendor Management Experience
What’s in it for you?
- A comprehensive Total Rewards Program
- Ability to make a difference and lasting impact
- Opportunity to take on progressively greater accountabilities
- Leaders who support your development
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