Head of Fraud Risk Strategy for Credit Cards and Unsecured Lending (Omaha, NE)
First National Bank of Omaha, Omaha, NE, United States
Summary of the Job
As the Head of Fraud Risk Strategy you will be responsible for new account originations fraud, first‑party fraud and payment fraud for the credit cards and unsecured lending products and occupy a critical, high‑visibility leadership role reporting directly to FNBO’s Chief Consumer Credit Officer.
This role is responsible for defining and executing a comprehensive fraud risk strategy across the customer lifecycle – spanning acquisitions, payment activity, and ongoing account management, collaborating with other existing operations inside FNBO, and responsible for established functions such as transaction fraud risk.
You will lead your team to work cross‑functionally and collaboratively with product management, customer experience, data science, technology and our key vendors to secure our customers’ physical and digital identities and protect our business from financial loss and reputational risk.
This role combines strategic leadership with hands‑on execution and is designed for a leader who can both shape long‑term direction and drive measurable outcomes. This critical and high‑visibility role is also an opportunity to make an impact and advance your career in consumer credit risk management at FNBO.
About This Role Key Responsibilities
Establish strategic direction and roadmap for a comprehensive and seamless originations fraud strategy, first‑party fraud and payment fraud mitigation practice, optimizing across loss prevention, operational expense, and true customer experience.
Partner with cross‑functional teams across the enterprise to ensure consistency of vision, cross‑pollination of known and emerging risk, tactics, tools, and data.
Collaborate closely with Head of Credit Enablement to prioritize product enhancements, secure funding, and implement roadmap.
Monitor and evaluate the effectiveness of our account opening and first‑party fraud strategies, identifying trends and patterns and implementing mitigation plans.
Evolve qualitative thinking and quantitative definitions and reporting around categories of account opening and first‑party fraud risk, including malicious credit intent, first, second‑, and third‑party fraud.
Balance real‑time, daily fraud prevention efforts with a long‑term machine‑learning/model‑based approach to continually improve capabilities and inform roadmap.
Define and oversee achievement of key performance indicators (KPIs) that measure the effectiveness of detecting and preventing account opening and first‑party fraud activity across customer life‑cycle touchpoints, including onboarding, account maintenance, and customer care.
Communicate effectively with senior and executive management around the account opening and first‑party fraud story, securing top‑level buy‑in of evolving vision.
Serve as the expert in existing, new, and emerging tools and technology in the marketplace, and work with existing vendors to drive improvement in product performance.
The Ideal Candidate for This Role Qualifications
10+ years of relevant credit risk and fraud management experience in consumer finance (credit cards preferably) at a leading institution and/or successful financial startup. 12+ years of relevant credit risk and fraud management experience preferred.
Expert technical hands‑on knowledge of fraud and malicious intent prevention practices across multiple aspects of fraud, including synthetic identity, payment fraud, and technologies.
Demonstrated experience in leading change, ideally overseeing a credit risk or fraud management team.
Familiarity with cybersecurity practices and technologies.
Candidates must possess unrestricted work authorization and not require future sponsorship.
Work Environment The incumbent in this role is expected to work onsite at the posted location. The onsite environment fosters innovation, mentorship, and a vibrant culture where ideas flow freely and relationships flourish. As part of our team, you’ll experience the energy of our collaborative spaces designed to support your professional growth while working alongside talented colleagues who inspire excellence daily. Work location is subject to change based on business needs.
Compensation & Benefits Overview
Medical, Dental, Vision Insurance
401(k) with matching contributions
Time off programs
Health Savings Account (HSA)/Dependent Care
Employee banking
Growth opportunities
Tuition assistance
Short‑term and long‑term disability insurance
Equal Opportunity & Belonging FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.
FNBO is an equal‑opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity. FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer – Member FDIC. FNBO follows federal law regarding the use of marijuana (this applies to all non‑California applicants).
#J-18808-Ljbffr
This role is responsible for defining and executing a comprehensive fraud risk strategy across the customer lifecycle – spanning acquisitions, payment activity, and ongoing account management, collaborating with other existing operations inside FNBO, and responsible for established functions such as transaction fraud risk.
You will lead your team to work cross‑functionally and collaboratively with product management, customer experience, data science, technology and our key vendors to secure our customers’ physical and digital identities and protect our business from financial loss and reputational risk.
This role combines strategic leadership with hands‑on execution and is designed for a leader who can both shape long‑term direction and drive measurable outcomes. This critical and high‑visibility role is also an opportunity to make an impact and advance your career in consumer credit risk management at FNBO.
About This Role Key Responsibilities
Establish strategic direction and roadmap for a comprehensive and seamless originations fraud strategy, first‑party fraud and payment fraud mitigation practice, optimizing across loss prevention, operational expense, and true customer experience.
Partner with cross‑functional teams across the enterprise to ensure consistency of vision, cross‑pollination of known and emerging risk, tactics, tools, and data.
Collaborate closely with Head of Credit Enablement to prioritize product enhancements, secure funding, and implement roadmap.
Monitor and evaluate the effectiveness of our account opening and first‑party fraud strategies, identifying trends and patterns and implementing mitigation plans.
Evolve qualitative thinking and quantitative definitions and reporting around categories of account opening and first‑party fraud risk, including malicious credit intent, first, second‑, and third‑party fraud.
Balance real‑time, daily fraud prevention efforts with a long‑term machine‑learning/model‑based approach to continually improve capabilities and inform roadmap.
Define and oversee achievement of key performance indicators (KPIs) that measure the effectiveness of detecting and preventing account opening and first‑party fraud activity across customer life‑cycle touchpoints, including onboarding, account maintenance, and customer care.
Communicate effectively with senior and executive management around the account opening and first‑party fraud story, securing top‑level buy‑in of evolving vision.
Serve as the expert in existing, new, and emerging tools and technology in the marketplace, and work with existing vendors to drive improvement in product performance.
The Ideal Candidate for This Role Qualifications
10+ years of relevant credit risk and fraud management experience in consumer finance (credit cards preferably) at a leading institution and/or successful financial startup. 12+ years of relevant credit risk and fraud management experience preferred.
Expert technical hands‑on knowledge of fraud and malicious intent prevention practices across multiple aspects of fraud, including synthetic identity, payment fraud, and technologies.
Demonstrated experience in leading change, ideally overseeing a credit risk or fraud management team.
Familiarity with cybersecurity practices and technologies.
Candidates must possess unrestricted work authorization and not require future sponsorship.
Work Environment The incumbent in this role is expected to work onsite at the posted location. The onsite environment fosters innovation, mentorship, and a vibrant culture where ideas flow freely and relationships flourish. As part of our team, you’ll experience the energy of our collaborative spaces designed to support your professional growth while working alongside talented colleagues who inspire excellence daily. Work location is subject to change based on business needs.
Compensation & Benefits Overview
Medical, Dental, Vision Insurance
401(k) with matching contributions
Time off programs
Health Savings Account (HSA)/Dependent Care
Employee banking
Growth opportunities
Tuition assistance
Short‑term and long‑term disability insurance
Equal Opportunity & Belonging FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.
FNBO is an equal‑opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity. FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer – Member FDIC. FNBO follows federal law regarding the use of marijuana (this applies to all non‑California applicants).
#J-18808-Ljbffr