At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.
Summary of the Job:
This role is responsible for defining and executing a comprehensive fraud risk strategy across the customer lifecycle – spanning acquisitions, payment activity and ongoing account management, collaborating with other existing operations inside FNBO, responsible for established functions such as transaction fraud risk.
You will lead your team to work cross-functionally and collaboratively with product management, customer experience, data science, technology and our key vendors to secure our customers’ physical and digital identities and protect our business from financial loss and reputational risk.
This role combines strategic leadership with hands-on execution and is designed for a leader who can both shape long term direction and drive measurable outcomes. This critical and high-visibility role is also designed as an opportunity to make an impact and advance your career in consumer credit risk management at FNBO.
About This Role:
Key Responsibilities:
- Establish strategic direction and roadmap for a comprehensive and seamless originations fraud strategy, first party fraud and Payment fraud mitigation practice, optimizing across loss prevention, operational expense, and ‘true customer’ experience.
- Partner with cross functional teams across the enterprise to ensure consistency of vision, cross pollination of known and emerging risk, tactics, tools, and data.
- Collaborate closely with Head of Credit Enablement to prioritize product enhancements, secure funding, and implement roadmap.
- Monitor and evaluate the effectiveness of our account opening and first party fraud strategies, identifying trends and patterns and implementing mitigation plans.
- Evolve qualitative thinking and quantitative definitions and reporting around categories of account opening and first party fraud risk, including malicious credit intent, first, second-, and third-party fraud.
- Balance real-time, daily fraud prevention efforts with a long-term machine learning/model-based approach to continually improve capabilities and inform roadmap.
- Define and oversee achievement of key performance indicators (KPIs) that measure the effectiveness of detecting and preventing account opening and first party fraud activity across customer life cycle touchpoints, including onboarding, account maintenance, and customer care.
- Communicate effectively with Senior and Executive management around the account opening and first party fraud ‘story’, securing top level buy in of evolving vision.
- Serve as the expert in existing, new, and emerging tools and technology in the marketplace, and work with existing vendors to drive improvement in product performance.
The Ideal Candidate for This Role:
Qualifications:
- 10+ years of relevant credit risk and fraud management experience in consumer finance (credit cards preferably) at a leading institution and/or successful financial startup. 12+ years of relevant credit risk and fraud management experience preferred.
- Expert technical hands-on knowledge of fraud and malicious intent prevention practices across multiple aspects of fraud, including synthetic identity, payment fraud, and technologies.
- Demonstrated experience in leading change, ideally overseeing a credit risk of fraud management team.
- Familiarity with cybersecurity practices and technologies
Work Environment:
It is anticipated that the incumbent in this role will work onsite at the posted location. Our onsite environment fosters innovation, mentorship, and a vibrant culture where ideas flow freely and relationships flourish. As part of our team, you'll experience the energy of our collaborative spaces designed to support your professional growth while working alongside talented colleagues who inspire excellence daily. Please note that work location is subject to change based on business needs.Compensation and Benefits Overview:
We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs:
Medical, Dental, Vision Insurance
401k, With Matching Contributions
Time Off Programs
Health Savings Account (HSA)/Dependent Care
Employee Banking
Growth Opportunities
Tuition Assistance
Short-Term/Long-Term Disability Insurance
Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/.
To obtain compensation and benefit information related to this specific role, e-mail FNBO at [email protected]. To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.
Job number: R-20260592Equal Opportunity & Belonging:
FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.
Learn more here.
FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.
Click here to download 'EEO is The Law' Self-Print Poster
Click here to download 'EEO is The Law' Supplement for Federal Contractors
Click here to download 'EEO is The Law' GINA Supplement
FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC
FNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants)
Application Deadline:
All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.
Fnbo Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Fnbo and has not been reviewed or approved by Fnbo.
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Retirement Support — Retirement plans include a matching 401(k) with an additional company contribution and other savings programs such as pension, stock bonus, and profit sharing. These features are portrayed as a strong component of total rewards.
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Parental & Family Support — Family supports include paid caregiving time for birth or adoption and for serious family health needs, caregiver leave, new‑parent assistance, and childcare resources. These offerings are highlighted as helpful for employees balancing work and family.
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Leave & Time Off Breadth — Time away is described as generous, combining paid time off with a broad set of observed holidays. Volunteer time off further adds flexibility for personal and community needs.
Fnbo Insights
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What We Do
For more than 165 years, FNBO, a subsidiary of First National of Nebraska, has set the standard for outstanding customer service coupled with some of the most innovative financial products in the industry. When it opened in 1857, FNBO was a local bank that served only Omaha and the surrounding communities. Today, FNBO has locations in eight states and more than 6.6 million customers across the country. First National of Nebraska and its affiliates have nearly $30 billion in managed assets and 5,000 employee associates. We've come a long way in the last century and a half. As you browse through our site, we think you'll understand why we've been so successful – and why we're so excited about what the future holds for our customers and our organization. Check us out at www.fnbo.com.
