Administration - VP - Enterprise Fraud

TITLE: VICE PRESIDENT (VP) - ENTERPRISE FRAUD

STATUS: EXEMPT

REPORT TO: SEVP-CHIEF ADMINISTRATIVE OFFICER

DEPARTMENT: ADMINISTRATION

JOB CODE: 11995

PAY RANGE: $176,400.00 - $220,000.00 ANNUALLY

The Vice President of Enterprise Fraud is the Senior Management leader responsible for developing, directing, and continuously advancing the enterprise-wide fraud risk management program for Golden 1. This role provides strategic oversight of all fraud prevention, detection, analytics, governance, technology, and policy functions.

Although this leader will not be responsible for day‑to‑day operational processing of fraud claims, they will own the overall enterprise fraud strategy, ensure program effectiveness, and partner closely with the operational fraud teams, senior leadership, and regulatory stakeholders.

The VP of Enterprise Fraud is accountable for safeguarding the institution, its members/customers, and its reputation by leading a forward‑looking enterprise fraud program capable of addressing emerging threats, rapidly evolving technologies, and increasing regulatory and consumer expectations.

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

You play a pivotal role in shaping business direction, fostering innovation, and managing cross-functional collaboration. You serve as a bridge between executive leadership and operational teams, ensuring alignment with the company’s mission, vision, and goals.

• Collaboratively develop the enterprise fraud strategy, ensuring a unified and proactive approach across all channels and business units.
• Oversee fraud risk governance, including reporting policies, risk assessments, standards, and alignment with regulatory expectations.
• Collaboratively develop the enterprise fraud strategy, ensuring a unified and proactive approach across all channels and business units.
• Continually enhance fraud prevention and detection capabilities, including analytics, monitoring tools, and emerging‑threat intelligence.
• Evaluate and advance fraud technologies, partnering with IT, Digital, Analytics and Operations teams in the selection and deployment effective fraud controls.
• Collaborate closely with fraud operations, ensuring strategic and program alignment without managing day‑to‑day claim and alert processing.
• Serve as the primary senior management interface with regulators, auditors, and law enforcement on fraud-related matters.
• Lead enterprise reporting and insights, communicating fraud trends, losses, program performance, and key risks to senior leadership.
• Manage non‑operational program resources, including budgets and strategic initiatives.
• Ongoing strategy optimization and tuning across the fraud decisioning and alerting platforms.
• All other duties as assigned

GOLDEN 1 RESPONSIBILITES INCLUDE:

• Mission and Vision: Establish and implement programs that support the Credit Union’s mission, vision, Core Values, and strategic business objectives.
• Lead with Purpose: Build and mentor high-performing teams. Champion Golden 1’s culture by creating an environment that prioritizes collaboration, high-performance, inclusivity, innovation, service excellence, and the well-being of our employees.
• Leadership and Guidance: Establish strong partnerships, act as a trusted advisor, and provide leadership, counsel and a strong voice to achieve Golden 1’s business strategy, operating plan, and performance goals through strategies. Foster a culture of continuous improvement, accountability, and collaboration.
• Engagement & Culture: Drive employee engagement and culture, and retention strategies to position Golden 1 as an employer of choice.
• Strategic Leadership: Develop and execute short and long-term strategies aligned with the company’s mission, vision, and growth objectives. Serve as a key liaison with internal and external stakeholders, including board members, partners, and clients.
• Operational Oversight: Lead and manage departmental operations, ensuring efficiency, scalability, and performance. Monitor KPIs and implement data-driven improvements across functions.
• Risk & Compliance: Ensure compliance with regulatory requirements and ethical standards. Identify and mitigate strategic and operational risks.\Industry Trends: Stay informed on trends, laws, and practices, and represent Golden 1 at industry-related events.

REQUIRED SKILL SET:

• Executive Presence: Demonstrates confidence and authority in high-stakes settings, commanding respect both inside and outside the company.
• High Emotional Intelligence (EQ): Possesses exceptional self-awareness, empathy, and relationship management skills to build trust and inspire loyalty.
• Visionary Leadership: Possesses creativity and foresight to envision future possibilities for the organization and inspire others to follow.
• Talent Development: Actively and consistently mentors and develops the next generation of leaders, building a strong leadership pipeline.
• Skilled Negotiator: Uses advanced negotiation and conflict resolution techniques to achieve win-win solutions with both internal and external parties. 

EDUCATION: Bachelor’s degree in Finance, Risk, Business Administration, or a related discipline required. Master’s degree or MBA preferred. May hold professional certifications in area of expertise. Professional certifications such as CFE, CAMS, CFCS, or similar.

REQUIRED EXPERIENCE: Minimum ten (10) years of relevant business experience in fraud risk management within financial services; experience in large, complex institutions (regional banks, credit union, national bank) strongly preferred.

• Proven leadership of enterprise fraud strategy, fraud technology, analytics, or governance.
• Experience implementing fraud analytics platforms, decision engines, or AI/ML‑driven models.
• Deep knowledge of fraud typologies, attack vectors, authentication methods, and controls across digital and traditional banking channels.  
• Strong familiarity with regulatory expectations related to fraud, including FFIEC guidance, UDAAP, EFTA/Reg E, BSA/AML interfaces, and related standards.
• Experience presenting to executive leadership and Boards, with ability to translate risk information into business impact.

KNOWLEDGE/SKILLS:

• Skill to be a change leader who fosters agility, accountability, and results through inclusive leadership.
• Proven track record of leading teams and aligning culture and engagement strategies to achieve business objectives.
• Understanding of strategic planning processes and the ability to contribute to and implement strategic initiatives.
• Knowledge of how to manage organizational change and help teams adapt to new strategies and processes.
• Strong interpersonal communications, presentation, and coaching skills with the ability to engage and influence senior leadership and employees at all levels.
• Ability to clearly and effectively communicate with diverse audiences, including senior management, team members, and external stakeholders.
• Ability to translate complex business goals into actionable initiatives.
• Ability to make data-driven decisions and use metrics to shape culture, business, and engagement strategies.
• Familiarity with technology and systems to optimize workflow efficiency.
• Ability to manage credit union resources and foster bottom line accountability.
• Strong knowledge of federal, state, and local employment laws, as well as Golden 1 policies and guidelines.

INTERNAL: Management, staff at all levels, Audit Department, various Committees, and Board of Directors.

EXTERNAL: Potential employees, peers in other financial and other industry organizations, outside vendors and consultants, legal counsel, governmental agencies, trade organizations, financial industry training associations, and community organizations.

Work time includes weekend and after-hours time, based on organizational needs. This position works in-office where working conditions, lighting, temperature, audio, and workspace are all sufficient. 

Work requires the ability to constantly operate a computer and the ability to read, type, and communicate. Work may require the ability to move work-related supplies weighing up to 10-15 pounds.

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.

Salary : $176,400 - $220,000