Senior Director Fraud, Disputes & Financial Crimes

Base pay range

/ yr - $ / yr

• Lead and manage three second line functions providing independent oversight and challenge to first line fraud prevention and financial crimes controls
• Develop and execute comprehensive risk-based strategies for fraud oversight and financial crimes compliance aligned with the bank's risk appetite and regulatory requirements
• Assess the design and operating effectiveness of first line controls across all business lines, channels, and product offerings
• Challenge first line risk‑taking activities and escalate concerns regarding control deficiencies, emerging risks, or risk appetite breaches
• Establish and monitor key performance and risk indicators, metrics, and reporting frameworks to provide enterprise‑wide visibility into fraud and financial crimes risks

• Directly manage the designated BSA / AML Officer administratively and provide strategic direction, resources, and support for the bank's BSA / AML compliance program
• Ensure the BSA / AML Officer maintains the authority, independence, and resources required by federal regulations to effectively discharge their responsibilities
• Provide the BSA / AML Officer with unfettered direct access to the Chief Risk Officer, CEO, and Board of Directors / Board committees without requiring escalation through this role
• Protect the BSA / AML Officer's independence to report regulatory concerns, file Suspicious Activity Reports, and elevate issues without interference
• Ensure the BSA / AML program maintains effective controls for customer due diligence, suspicious activity monitoring and reporting, currency transaction reporting, and OFAC sanctions screening
• Oversee the development and annual refresh of the Bank's BSA / AML risk assessment
• Provide senior‑level review and strategic guidance on complex or escalated Suspicious Activity Reports while respecting the BSA / AML Officer's ultimate filing authority
• Ensure the BSA / AML program adapts to evolving regulatory expectations, emerging typologies, and changes in the bank's risk profile
• Manage relationships with transaction monitoring system vendors and oversee system optimization and tuning
• Oversee the second line fraud risk management function, providing independent assessment of fraud prevention, detection, and response capabilities across the enterprise
• Evaluate the effectiveness of fraud controls spanning wire, ACH, card, check, digital banking, and emerging payment channels
• Monitor fraud loss trends, velocity, and patterns; challenge first line on control enhancements and risk mitigation strategies
• Assess fraud risk in new products, services, channels, and partnerships before implementation
• Oversee the Bank's fraud risk appetite framework and elevate breaches or concerning trends

• Lead the independent quality assurance function that performs risk‑based quality assurance of both BSA / AML and fraud functions
• Develop annual risk‑based QA testing plans covering transaction monitoring alert / case disposition, SARs, CTRs, fraud case management
• Ensure QA findings are appropriately documented, rated, and tracked through remediation
• Validate that corrective actions address root causes and prevent recurrence
• Ensure QA activities support, rather than impede, the BSA / AML Officer's independence and authority

• Maintain current knowledge of evolving BSA / AML regulations, fraud‑related guidance, and regulatory expectations from FinCEN, OCC, FDIC, Federal Reserve, and other applicable agencies
• Serve as senior liaison with regulators during examinations related to fraud and financial crimes, coordinating responses and managing examination logistics in partnership with the BSA / AML Officer
• Oversee timely and accurate regulatory reporting and filings through the BSA / AML Officer

• Chair or participate in governance committees related to fraud risk and financial crimes
• Provide regular risk reporting to the Chief Risk Officer, executive leadership, and Board Risk Committee on fraud and financial crimes exposure, trends, and program effectiveness
• Facilitate the BSA / AML Officer's…