Senior Fraud Risk Strategist

Vice President, Senior Fraud Risk Strategist

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel atall from Day One.

This position is not eligible for current or future visa sponsorship.

The Vice President, Senior Fraud Risk Strategist serves as a senior decision-maker and strategic authority responsible for defining, prioritizing, and advancing enterprise fraud risk initiatives across business lines, channels, and customer journeys. Operating at a materially higher level of scope and complexity, this role owns end-to-end problem framing, risk tradeoff decisions, and enterprise impact assessments. The VP leads cross-functional alignment across business, product, digital, operations, and risk partnersdriving clear direction, resolving ambiguity, and embedding fraud strategy early in key initiatives. Unlike consultative roles, this position owns decisions, sets direction, and directly shapes enterprise priorities.

This role partners closely with analytics, technology, and solution teams, while remaining accountable for translating insights into enterprise strategy and execution. It drives innovation, proactively identifies emerging risks, and leads governance and prioritization across initiatives with disciplined program management, clear ownership, and structured execution oversight. The VP independently manages complex coordination, elevates decision quality, and ensures consistent application of fraud strategyserving as the central point of accountability for enterprise fraud risk decisions and cross-functional execution.

Core Functions by Category

• Own enterprise fraud risk strategy, defining priorities, investment decisions, and strategic direction across products, channels, and initiatives
• Identify emerging risks, structural vulnerabilities, and control gaps, translating insights into decisive enterprise actions and integrated strategy
• Establish and enforce strategy standards, decision frameworks, and operating models to drive aligned, scalable execution and consistent outcomes
• Lead enterprise problem framing and set directionevaluating tradeoffs, defining options, and making clear path decisions prior to execution
• Drive enterprise alignment and results by prioritizing initiatives, resolving conflicts and gaps, and ensuring coordinated, end-to-end risk coverage
• Act as a senior decision leader to business, product, digital, and operations partnersshaping early-stage direction and embedding fraud strategy across initiatives
• Leverage analytics, KRIs, and quantified business impact to inform governance, prioritize investments, and elevate executive decision-making

Cross-Functional Influence & Governance

• Set enterprise fraud risk strategy and make prioritization and investment decisions across business lines, channels, and customer journeys
• Establish and lead enterprise program and project management disciplines - designing governance, workstreams, and execution models to ensure structured delivery, accountability, and measurable outcomes
• Identify emerging risks and structural vulnerabilities, converting insights into decisive strategy, direction, and enterprise action
• Lead cross-functional alignment and set clear direction, ensuring fraud strategy is embedded early and consistently across initiatives
• Own problem framing and strategic path decisions, defining options and directing execution in partnership with analytics, technology, and operations
• Drive enterprise-wide results by resolving gaps, conflicts, and overlaps, using data-driven insights to inform governance, investment, and measurable outcomes

Operating Discipline

• Establish and enforce operating frameworks, decision models, and governance to drive consistent, scalable execution and accountability
• Define and direct operating model design, including process flows, customer contact strategies, and staffing impacts, to ensure effective and scalable execution
• Set standards for and own audit-ready documentation, program/project management methodologies, reporting, and success metrics, ensuring full traceability and executive visibility into decisions, outcomes, and tradeoffs

Industry Awareness & Strategic Insight

• Lead enterprise awareness of emerging fraud threats, identity and authentication innovations, and market developments - anticipating risk and opportunity to shape forward-looking strategy
• Translate external trends, technologies, and evolving typologies into decisive enterprise direction, control strategies, and investment priorities
• Identify and challenge assumptions on emerging risk areas, applying innovative and creative problem-solving to design differentiated fraud strategies and solutions
• Drive integration of industry insight into enterprise roadmaps, ensuring proactive adaptation of controls, capabilities, and strategic priorities

Key Responsibilities

• Lead enterprise fraud strategy engagements, independently identifying, framing, and driving resolution of cross-functional risk issues and strategic priorities
• Set direction by translating analytics, emerging threats, and partner input into clear, actionable enterprise strategy and prioritized decisions
• Shape and influence business, product, digital, and operations leadersembedding fraud strategy early and guiding tradeoffs, control design, and initiative direction
• Establish and enforce disciplined approaches to issue framing, decision support, and governance, ensuring consistency, scalability, and audit-ready outcomes
• Represent and advance fraud strategy in enterprise forums, driving alignment, elevating critical issues, and ensuring coordinated execution across initiatives

Required Skills / Capabilities

• Deep domain expertise across fraud risk, controls, identity, authentication, and customer abuse, with the ability to anticipate emerging threats and implications
• Exceptional strategic thinking and problem framing, translating complex risk dynamics into clear business direction, priorities, and executive decisions
• Proven ability to influence senior stakeholders and drive alignment across business, product, technology, operations, and risk partners without direct authority
• Strong executive communication skills, distilling complex topics into concise, actionable insights and recommendations
• Demonstrated judgment in prioritization, escalation, and enterprise tradeoff management within complex, ambiguous environments

Basic Qualifications - Bachelor's degree, or equivalent work experience - Typically more than 10 years of applicable experience

Preferred Skills/Experience

• Experience in enterprise fraud strategy, fraud consulting, fraud risk management, or cross-functional fraud leadership
• Experience advising initiatives involving onboarding, account opening, authentication, servicing, identity, scams, or channel fraud mitigation
• Experience preparing senior leadership recommendations, governance summaries, and executive-ready fraud narratives
• Experience working in highly matrixed organizations where strategic influence is required across multiple stakeholder groups
• Experience improving risk assessment, consultation, or strategic documentation frameworks

LOCATION EXPECTATIONS: This role requires working from a U.S. Bank Location three (3) or more days per week.

NOTE: This position is not eligible for current or future visa sponsorship.

If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits:

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short-term and long-term disability
• Pregnancy disability and parental leave
• 401(k) and employer-funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank