Principal Risk Monitoring & Fraud Systems

Principal, Risk Monitoring & Fraud Systems The Principal, Risk Monitoring & Fraud Systems will lead the design, strategy, and evolution of fraud detection and risk monitoring capabilities across in-store, forecourt, and digital payment environments. This role is a senior individual contributor responsible for shaping real‑time fraud prevention and risk decisioning systems, translating business and regulatory requirements into scalable, high‑performance solutions. The ideal candidate brings deep expertise in payments risk and fraud, along with experience building intelligent, high‑volume monitoring platforms in retail or fintech environments. Key Responsibilities Define and drive the strategy and roadmap for fraud detection and risk monitoring systems, aligned with enterprise payments objectives. Design and enhance real‑time transaction monitoring and decisioning capabilities, including rules engines, scoring models, and alerting systems. Develop and optimize fraud detection strategies, balancing fraud loss prevention with customer experience and approval rate. Partner with Engineering and Architecture teams to implement scalable, cloud‑native, API‑first solutions for risk and fraud management. Contribute deep expertise in forecourt and fuel‑related fraud scenarios, including EMV at the pump, card‑not‑present fraud, mobile payments, fleet cards, and loyalty abuse. Collaborate cross‑functionally with Product, Payments, Data Science, and Operations teams to embed risk controls seamlessly into payment flows. Analyze fraud trends, transaction data, and system performance to continuously refine detection logic and reduce false positives. Support integration with external partners, including card networks, acquirers, and fraud data providers. Ensure alignment with compliance and security standards, including PCI‑DSS, AML, and KYC requirements. Act as a subject matter expert on emerging fraud threats, technologies, and industry best practices, influencing broader platform strateg Qualifications 8–12+ years of experience in payments risk, fraud systems, or financial crime technology. Experience working at or with a payments processor, fintech, bank, or fraud platform provider. Proven hands‑on experience designing or managing real‑time fraud detection or risk decisioning systems. Strong understanding of fraud methodologies, including rules‑based detection, machine learning models, and behavioral analytics. Knowledge of payments and security standards such as EMV, PCI‑DSS, tokenization, AML, and KYC. Ability to translate complex risk and regulatory requirements into scalable product or technical solutions. Strong analytical and problem‑solving skills, with experience using data to drive decisions and optimize performance. Experience with cloud‑based architectures and modern data platforms preferred. Background in retail, convenience, or petroleum payments is a plus. Bachelor’s degree in Computer Science, Engineering, Data Science, Business, or related field. #J-18808-Ljbffr Lorven Technologies Inc.