Senior Fraud Strategy Analyst

Vanguard

Fraud Strategy Senior Analyst optimizing card and real-time payment fraud rules at Vanguard, a global investment management company. Improving detection, loss prevention, and client experience.

Posted 8/10/2026full-timeCharlotte • North Carolina, Pennsylvania • 🇺🇸 United StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in fraud risk management, particularly in card fraud strategy and real-time decisioning platforms. Proficient in translating complex fraud strategies into actionable rules and optimizing performance through data analysis and collaboration with cross-functional teams.

Highest-signal resume keywords

Fraud Risk ManagementReal-Time Decisioning PlatformsCard Fraud StrategyData AnalysisFraud Rules Engine

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Fraud RiskPayments RiskCard Fraud StrategyReal-Time PaymentsFraud Rules EnginesStatistical AnalysisMachine LearningPythonSQLTableau

Soft Skills

Analytical CapabilitiesCommunication SkillsCollaborative Approach

Tools & Technologies

SASPower BI

Industry Keywords

Financial CrimesLoss PreventionRisk GovernanceOptimizationA/B Testing

Tech Stack

Tools & technologies

PythonSQLTableau

About the role

Key responsibilities & impact

Define and maintain fraud rule strategies across debit and real-time payment channels
Build, test, deploy, and maintain fraud rules, thresholds, queues, and decision logic within real-time decisioning platforms
Translate fraud strategy requirements into rules engine enhancements, decisioning capabilities, data inputs, and operational workflows with engineering
Monitor rule performance and optimize fraud detection, loss prevention, false positives, manual review volume, and client friction
Analyze transaction data, model outputs, case outcomes, and fraud trends to identify strategy gaps and recommend rule changes
Partner with Product, Engineering, Risk, and Operations to implement fraud rules and validate control impacts
Summarize fraud trends, rule performance, optimization results, and customer experience trade-offs
Maintain rule governance, change controls, testing evidence, performance monitoring, and adherence to risk and regulatory standards

Requirements

What you’ll need

5–8+ years in fraud risk, payments risk, or financial crimes
Deep expertise in card fraud strategy (CNP and CP) for card issuers or merchants
Knowledge of real-time payments, including Zelle, RTP, P2P, Bill Pay, and emerging payments
Proven experience owning and optimizing real-time fraud decisioning rules, thresholds, and strategies
Experience translating fraud strategy requirements into rules engine changes with Product, Engineering, Risk, and Operations
Bachelor’s degree in Statistics, Mathematics, Data Science, Finance, Computer Science, or a related field
Expertise in fraud rules engines and decisioning platforms
Strong analytical capabilities in segmentation, rule performance measurement, A/B or champion/challenger testing, and optimization
Working knowledge of fraud models, machine learning concepts, and model governance
Ability to translate data into actionable fraud rule changes and measurable performance improvements
Strong experience with Python, R, SAS, SQL, Tableau, or Power BI
Ability to explain rule strategy, optimization rationale, performance results, and risk trade-offs
Excellent written and verbal communication skills
Collaborative approach to operational readiness, product requirements, and risk governance

Benefits

Comp & perks

Comprehensive health and wellness care
Work-life balance
Investment in your future
Hybrid working model with enhanced flexibility
In-person learning, collaboration, and connection
Visa sponsorship