Director, Fraud Risk Oversight, Consumer Lending – 2nd Line of Defense

Best Egg

Director of Fraud Risk Oversight at Best Egg, managing fraud risk in consumer lending. Leading governance and credible challenges to address emerging fraud threats in a FinTech environment.

Posted 4/13/2026full-timeRemote • 🇺🇸 United StatesLead💰 $110,000 - $130,000 per yearWebsite

About the role

Key responsibilities & impact

Provide independent 2LOD oversight of fraud risk management frameworks, including policies, standards, and controls
Review and challenge 1LOD fraud strategies across originations, account management, and servicing
Ensure alignment of fraud practices with enterprise risk appetite and governance standards
Partner with credit risk on first payment default trends and data linking analysis
Oversee and challenge fraud detection and prevention strategies, including application and identity fraud controls, synthetic / stolen identity detection, device, IP, and behavioral analytics, payment fraud / ACH return monitoring, and loan servicing activity monitoring
Evaluate fraud operations, including case management, investigations, and recovery processes
Review controls related to customer authentication, identity verification, and digital channels
Assess vendor and third-party risk related to fraud tools, data providers, and service partners
Monitor fraud trends, loss rates, and emerging threats across the portfolio
Develop and deliver fraud risk reporting, dashboards, and insights to various key stakeholders across the company
Partner with Product, Engineering, Risk, and Operations teams to ensure fraud controls are embedded in product design and customer journeys

Requirements

What you’ll need

10+ years of experience in fraud risk management, fraud strategy, or fraud operations within financial services or FinTech
Experience in 2LOD, risk oversight, audit, or control functions, or strong exposure to independent challenge frameworks
Deep understanding of fraud typologies, detection strategies, and fraud lifecycle management
Experience working with fraud models, rules engines, and analytics
Experience in a consumer lending and/or digital banking environment (preferred)
Familiarity with identity verification, authentication technologies, and digital fraud prevention tools (preferred)
Exposure to vendor risk management and third-party fraud solutions (preferred)
Working knowledge of relevant regulations and guidance, including UDAAP, FCRA (as applicable to fraud processes), identity verification / KYC-related expectations
Experience interacting with regulators, internal audit, or compliance teams preferred

Benefits

Comp & perks

Pre-tax and post-tax retirement savings plans with a competitive company matching program
Generous paid time-off plans including vacation, personal/sick time, paid short-term and long-term disability leaves, paid parental leave, and paid company holidays
Multiple health care plans to choose from, including dental and vision options
Flexible Spending Plans for Health Care, Dependent Care, and Health Reimbursement Accounts
Company-paid benefits such as life insurance, wellness platforms, employee assistance programs, and Health Advocate programs
Other great discounted benefits include identity theft protection, pet insurance, fitness center reimbursements, and many more!

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

fraud risk managementfraud strategyfraud operationsrisk oversightfraud typologiesdetection strategiesfraud lifecycle managementfraud modelsrules enginesanalytics

Soft Skills

independent challengestakeholder communicationcollaborationcritical thinkingproblem-solving