Senior manager, customer analytics, retail risk

Date limite pour présenter sa candidature : 03/30/2026

Adresse : 33 Dundas Street West

Groupe de famille d'emploi :
Audit, gestion des risques et conformité

Hybrid requirement; 3x/week in office (subject to change).

This is a Hybrid (3-4 days in Office, subject to future changes), Toronto based role, mandated to provide subject matter expertise through advanced customer, credit and fraud analytics, delivering meaningful insights and help drive business results in alignment with overall group goals. Specifically, we are seeking a dynamic and forward-thinking professional to lead the analytical engine that powers fraud prevention, credit strategy, and lifecycle decisioning across our retail portfolios.

This role is pivotal in driving innovation, operational excellence, and data-driven decision-making across our credit risk and customer segmentation programs.

• Leads the design and optimization of First Party Fraud (FPF) strategies across all retail credit portfolios, ensuring alignment with risk appetite and 2
  
  LOD oversight.
• Partners with product credit teams to embed fraud mitigation practices throughout the customer lifecycle while maintaining a seamless client experience.
• Supports policy enhancements by providing data driven recommendations to reduce first party fraud risk exposure and improve risk return outcomes.
• Translate complex analytical findings into clear, actionable strategies for fraud prevention and credit decisioning.
• Conduct deep dive analytics using SQL and Python to identify emerging fraud patterns, behavioral anomalies, and high risk cohorts.
• Build scenario analyses, loss forecasting models, and stress tests using Python based statistical and modeling libraries.
• Manage daily execution and reporting of the account management & collections strategies, ensuring timely insights and operational rigor.
• Design and implement advanced ML/AI solutions to enhance customer segmentation, portfolio tracking, and automation. Champion use-cases such as Early Warning Systems (EWS), Agentic AI, and predictive modeling.
• Provide ongoing portfolio reporting to senior executives, including segmentation forecasting and data archiving for automated downstream applications.
• Deliver deep behavioral insights to inform credit lifecycle strategies-spanning acquisition, account management, and collections-with a focus on revenue growth and risk mitigation.
• Build innovative tools to track micro-segment migrations and improve short- to medium-term credit loss predictions beyond traditional provisioning methods
• Lead strategic risk projects aimed at modernizing legacy data systems to support customer-centric evaluation and cross-sell strategies powered by AI/ML. Champion use-cases such as Early Warning Systems (EWS), Agentic AI, and predictive modeling.
• Provides expertise in the design, development, management, and implementation of assigned strategic initiatives from business case development through to execution.
• Acts as a trusted advisor to assigned business/group;
  Influences and negotiates to achieve business objectives.
• Supports the execution/delivery of accurate and efficient reporting solutions for risk, regulatory and management information to internal and external stakeholders including regulatory bodies.
• Identifies customer trends and patterns to address identified business questions;
  Presents findings & recommendations in a simple, clear way to drive action.
• Participates in implementation of strategic initiatives across BMO by partnering with various internal & external stakeholders as required.
• Supports the planning and execution of the change management process including simulation, validation testing and reporting requirements to evaluate the effectiveness of the new or modified strategies.
• Executes work to deliver timely, accurate, and efficient service for scheduled reporting production processes.
• Independently produces & summarizes statistical findings, draws business conclusions, and presents actionable business recommendations (e.g. Customer insights and risk management strategies/tactics).
• Applies expertise and thinks creatively to address unique or…