Global Risk and Security (GR&S) at Vanguard enables business strategy, protects client and Vanguard interests (e.g., assets and data), and stewards a strong risk culture. Our teams leverage enterprise-wide insights, deep expertise, and trusted advice so that across Vanguard leaders and crew drive faster, stronger, risk-informed decisions.
Within GR&S, the Enterprise Security and Fraud (ES&F) sub-division is responsible for the global protection of Vanguard crew, property, data, and client assets. We are the trusted advisors that protect the pride of Vanguard with state-of-the-art security and fraud capabilities. We are a world-class destination of highly engaged, passionate, and diverse talent expected to continuously learn and develop in an ever-changing security landscape.
Our crew are our greatest resource – by joining our team you will build collaborative long-term relationships and enjoy a suite of benefits that includes comprehensive health and wellness care, work-life balance, and an investment in your future at its core.
Key Responsibilities
Set Fraud Strategy & Coverage: Define fraud prevention strategy across real-time payment channels, including risk appetite and control coverage.
Own Real-Time Decisioning: Design and manage fraud rules, decision logic, and detection strategies within real-time decisioning platforms.
Lead Platform & Capability Build: Drive enhancements and implementation of fraud rules engines and decisioning platforms in partnership with engineering.
Optimize Performance Outcomes: Monitor and improve fraud detection, false positives, and client friction through ongoing control tuning and performance management.
Leverage Data & Models: Use analytics and model insights to identify trends, refine strategies, and improve detection effectiveness.
Partner Cross-Functionally: Collaborate with Product, Engineering, Risk, and Operations to embed fraud controls into customer journeys and new product launches.
Ensure Strong Governance: Maintain disciplined control testing, monitoring, and adherence to risk and regulatory standards.
Qualifications
Required Experience
4+ years in fraud risk, payments risk, or financial crimes
Expertise in: Account takeover, social engineering, and transaction fraud risks within retirement and workplace channels
Proven experience managing real-time fraud decisioning environments and rules strategies
Strong experience partnering across Product, Engineering, Risk, and Operations
Bachelor’s degree in Statistics, Mathematics, Data Science, Finance, Computer Science, or a related field. Graduate degree preferred.
Technical & Analytical Skills
Expertise in fraud rules engines / decisioning platforms
Strong analytical capabilities (data analysis, segmentation, performance optimization)
Working knowledge of fraud models / machine learning concepts and model governance
Ability to translate data into actionable fraud strategies and business decisions
Strong experience with analytical tools such as Python, R, SAS, SQL, and platforms such as Tableau or Power BI.
Leadership & Communication
Excellent communication and executive storytelling skills.
Highly collaborative with a track record of driving alignment across teams.
Special Factors
Sponsorship
Vanguard is offering visa sponsorship for this position.About Vanguard
At Vanguard, we don't just have a mission—we're on a mission.
To work for the long-term financial wellbeing of our clients. To lead through product and services that transform our clients' lives. To learn and develop our skills as individuals and as a team. From Malvern to Melbourne, our mission drives us forward and inspires us to be our best.
How We Work
Vanguard has implemented a hybrid working model for the majority of our crew members, designed to capture the benefits of enhanced flexibility while enabling in-person learning, collaboration, and connection. We believe our mission-driven and highly collaborative culture is a critical enabler to support long-term client outcomes and enrich the employee experience.
Skills Required
- 2+ years in fraud analytics, fraud strategy, or financial crimes
- Experience in fraud rules management, transaction monitoring, payments fraud, account takeover, or digital fraud risks
- Experience working with cross-functional teams in a matrixed environment
- Strong analytical and problem-solving skills using data to drive decisions
- Proficiency in SQL
- Proficiency in SAS or Python or other data analysis tools
- Experience with data visualization tools such as Tableau or Power BI
- Basic understanding of fraud models or scoring methodologies
- Familiarity with fraud rules engines or decisioning platforms
- Strong written and verbal communication skills and ability to translate data insights into actionable recommendations
- Detail-oriented with strong execution focus and collaborative mindset
Vanguard Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Vanguard and has not been reviewed or approved by Vanguard.
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Retirement Support — Retirement support appears unusually strong through a 401(k) design that includes a match plus an additional employer contribution, which can materially lift long-term total rewards. HSA seeding and an enhanced employer match further strengthen the savings-and-benefits value of the package.
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Wellbeing & Lifestyle Benefits — Wellbeing and lifestyle support is reinforced by a sizable annual FlexFund stipend that can be applied across many day-to-day categories such as fitness, childcare, and other personal expenses. On-site or virtual clinics and fitness options add practical health and wellness convenience.
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Affordable Benefits — Healthcare and related benefits are positioned as comparatively affordable via heavily subsidized medical plans and broad coverage options. This affordability can offset moderate base pay for employees who place higher value on out-of-pocket cost reductions.
Vanguard Insights
What We Do
We are a community of 30 million who think – and feel – differently about investing. Together, we’re changing the way the world invests. Since our founding in 1975, helping our investors achieve their goals is our sole reason for existence. With no other parties to answer to and therefore no conflicting loyalties, we make every decision—like keeping investing costs as low as possible—with only your needs in mind. Vanguard is one of the world's largest investment companies, offering a large selection of high-quality low-cost mutual funds, ETFs, advice, and related services. Individual and institutional investors, financial professionals, and plan sponsors can benefit from the size, stability, and experience Vanguard offers. As of April 30, 2019, we managed more than $5.6 trillion in global assets. In addition, we have 189 funds in the United States and 225 funds in global markets. For Commenting Guidelines & Important information, visit here: http://vanguard.com/linkedin Vanguard Marketing Corporation, Distributor.
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