Fraud Risk Analytics Manager
Citizens Bank, Johnston, RI, United States
Description
We are seeking an experienced
Senior Data Scientist
to lead fraud risk strategy optimization and entity‑level fraud state estimation across the enterprise. This role is critical to developing a
holistic understanding of customer behavior
and translating that understanding into
intelligent decisioning and colleague decision support
across fraud prevention, risk management, and product experiences.
The ideal candidate brings deep fraud domain expertise spanning across the entire customer life cycle, strong analytical rigor, and the courage to challenge existing approaches while delivering practical, scalable solutions under time constraints and scope changes. This individual will partner closely with business leaders, first- and second-line risk teams, fraud operations, and product to drive measurable fraud risk reduction and improved customer outcomes.
Key Responsibilities
Discover, Design, develop, and execute
fraud risk strategy optimization frameworks , including rule, model, and hybrid decisioning approaches
Perform
entity-level fraud state estimation
across customers, accounts, devices, and networks to enable consistent, enterprise-wide fraud understanding
Translate complex fraud signals into
actionable insights and decision support
for colleagues across business, risk, and operations
Partner with first- and second-line risk teams to ensure strategies are
transparent, explainable, and well-governed
Collaborate with operations and product teams to ensure well-defined objective functions which are operationally viable and aligned with customer experience goals
Communicate findings clearly to both technical and non-technical audiences, influencing decision-making at multiple levels
Champion innovation by testing new analytical approaches while maintaining disciplined execution and production readiness
Required Qualifications
5+ years of experience
in fraud analytics, fraud risk management, or financial crime data science
Strong experience with
fraud detection, prevention, and decisioning systems
in complex environments
Demonstrated ability to balance
risk reduction, customer experience, and operational efficiency
Proven track record of
independent problem-solving , ownership, and delivery in ambiguous problem spaces
Excellent communications (oral and written), interpersonal/business partnering, and organizational skills
Demonstrates
courage ,
innovation , and
high productivity
Technical Skills
Advanced
SQL
for data extraction, transformation, and analysis
Strong
Python
skills for data analysis, modeling, and pipeline development
Solid foundation in
data science and statistical learning , including:
Classification and regression techniques
Feature engineering
Model evaluation and performance monitoring
Preferred Qualifications
Experience with
fraud strategy optimization , challenger testing, or decision policy design
Familiarity with
entity resolution, graph
etwork analytics , or customer-centric risk frameworks
Experience operating within regulated environments and risk governance structures
Bachelor’s degree in Operations Management, Mathematics, Statistics, Actuarial Sciences, Economics or other quantitative, business or technical discipline
Master degree in Mathematics, Statistics, Operations Management, Economics or other quantitative, business or technical discipline preferred
Hours & Work Schedule
Hours per Week: 40
Work Schedule: 8:00am-5:00pm Monday - Friday
Pay Transparency
The salary range for this position is $105,000 - $130,000 per year. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits
Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.
Equal Employment Opportunity
Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.
#J-18808-Ljbffr
We are seeking an experienced
Senior Data Scientist
to lead fraud risk strategy optimization and entity‑level fraud state estimation across the enterprise. This role is critical to developing a
holistic understanding of customer behavior
and translating that understanding into
intelligent decisioning and colleague decision support
across fraud prevention, risk management, and product experiences.
The ideal candidate brings deep fraud domain expertise spanning across the entire customer life cycle, strong analytical rigor, and the courage to challenge existing approaches while delivering practical, scalable solutions under time constraints and scope changes. This individual will partner closely with business leaders, first- and second-line risk teams, fraud operations, and product to drive measurable fraud risk reduction and improved customer outcomes.
Key Responsibilities
Discover, Design, develop, and execute
fraud risk strategy optimization frameworks , including rule, model, and hybrid decisioning approaches
Perform
entity-level fraud state estimation
across customers, accounts, devices, and networks to enable consistent, enterprise-wide fraud understanding
Translate complex fraud signals into
actionable insights and decision support
for colleagues across business, risk, and operations
Partner with first- and second-line risk teams to ensure strategies are
transparent, explainable, and well-governed
Collaborate with operations and product teams to ensure well-defined objective functions which are operationally viable and aligned with customer experience goals
Communicate findings clearly to both technical and non-technical audiences, influencing decision-making at multiple levels
Champion innovation by testing new analytical approaches while maintaining disciplined execution and production readiness
Required Qualifications
5+ years of experience
in fraud analytics, fraud risk management, or financial crime data science
Strong experience with
fraud detection, prevention, and decisioning systems
in complex environments
Demonstrated ability to balance
risk reduction, customer experience, and operational efficiency
Proven track record of
independent problem-solving , ownership, and delivery in ambiguous problem spaces
Excellent communications (oral and written), interpersonal/business partnering, and organizational skills
Demonstrates
courage ,
innovation , and
high productivity
Technical Skills
Advanced
SQL
for data extraction, transformation, and analysis
Strong
Python
skills for data analysis, modeling, and pipeline development
Solid foundation in
data science and statistical learning , including:
Classification and regression techniques
Feature engineering
Model evaluation and performance monitoring
Preferred Qualifications
Experience with
fraud strategy optimization , challenger testing, or decision policy design
Familiarity with
entity resolution, graph
etwork analytics , or customer-centric risk frameworks
Experience operating within regulated environments and risk governance structures
Bachelor’s degree in Operations Management, Mathematics, Statistics, Actuarial Sciences, Economics or other quantitative, business or technical discipline
Master degree in Mathematics, Statistics, Operations Management, Economics or other quantitative, business or technical discipline preferred
Hours & Work Schedule
Hours per Week: 40
Work Schedule: 8:00am-5:00pm Monday - Friday
Pay Transparency
The salary range for this position is $105,000 - $130,000 per year. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits
Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.
Equal Employment Opportunity
Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.
#J-18808-Ljbffr