Senior Manager, Commercial Client Lifecycle Fraud Strategy
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Key skills for this role
About the Role
RBC seeks a Senior Manager to build and operationalize modern fraud controls across commercial banking access channels. You will support fraud strategy execution across onboarding, cheque ecosystems, and client lifecycle activities, analyzing fraud events and optimizing controls.
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
- Experience with behavioral analytics, authentication technologies, or fraud monitoring platforms (preferred)
- Knowledge of commercial payment ecosystems and payment fraud typologies (preferred)
- Familiarity with data tools (SQL, Python, SAS, Power BI, Tableau, Alteryx, or equivalent) (preferred)
- Familiarity with API security or host to host banking integrations (preferred)
- Exposure to AI/ML fraud detection or fraud intelligence programs (preferred)
Full Job Posting
What is the Opportunity?
- 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.
- 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.
- Analyze fraud events, onboarding trends, client behaviors, and operational metrics to identify emerging threats.
- Support fraud mitigation initiatives involving first party fraud, mule businesses, synthetic entities, and lifecycle abuse.
- Partner with Commercial Channels Fraud and Payments Fraud teams for 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.
- 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 risk balance.
- Research and assess best in class fraud mitigation strategies and technologies.
Must haves
- 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.
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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