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Senior Manager, Fraud Analytics & Strategy
senior · Risk & Compliance
Requisition ID: 273402
Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.
The Senior Manager, Fraud Analytics & Strategy provides regional strategy, and subject matter expertise for application fraud in digital channels across International Banking (Mexico, Peru, Chile, Uruguay, Caribbean). The role focuses specifically on first party, synthetic, and non–stolen identity fraud, which reside within credit risk rather than enterprise fraud operations.
This leader defines the risk strategy and controls for digital channel originations fraud, and works with country teams to build capabilities and reduce losses.
Is this role right for you? In this role, you will:
- Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.
Regional Strategy & Frameworks
- Enforce the digital application fraud strategy for International Banking, including standards for identity proofing, fraud scoring, escalation thresholds, and lifecycle controls.
- Establish and maintain a first‑party and synthetic fraud framework aligned to global policies and IB digital growth objectives.
Capability Building Across Countries
- Act as the regional subject‑matter expert to support countries in strengthening digital application fraud controls.
- Partner with Data and Analytics teams to develop fraud detection capabilities, monitoring solutions, and analytical use cases.
Monitoring & Trend Analysis
- Maintain a regional view of fraud trends, attack vectors, and performance indicators across digital origination channels.
- Analyze fraud performance data across digital channels and origination journeys to identify fraud patterns, emerging threats, and control opportunities.
Governance & Standards
- Review and challenge major fraud‑related initiatives (digital onboarding changes, data/identity tools, new product flows).
- Ensure compliance with global policies and alignment with the Retail Credit Risk framework.
Digital Transformation & Data/Decisioning
- Lead fraud‑related components of digital transformation programs, including device intelligence, behavioural biometrics, and next‑generation scoring models.
- Assess existing data assets and identify opportunities to enhance fraud detection through additional internal and external data sources.
- Research emerging fraud technologies, market solutions, and vendor capabilities.
- Design and enhance fraud prevention use cases supporting digital onboarding and origination processes.
Stakeholder Engagement
- Build and maintain relationships with country risk teams, Digital Banking, Risk Technology, Enterprise Fraud, and Global Retail stakeholders.
- Communicate fraud insights and recommendations to senior audiences in a clear, actionable way.
- Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.
- Creates an environment in which their team pursues effective and efficient operations of their respective areas in accordance with Scotiabank’s Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk.
- Builds a high performance environment and implements a people strategy that attracts, retains, develops and motivates their team by fostering an inclusive work environment and using a coaching mindset and behaviours; communicating vison/values/business strategy; and, managing succession and development planning for the team.
Do you have the skills that will enable you to succeed in this role? - We'd love to work with you if you have:
- University degree in Computer Science, Engineering, Risk Management, Data Science, Cybersecurity, or related field.
- 5+ years of experience in data analytics, fraud risk, credit risk, or consumer lending.
- Strong expertise in first‑party and synthetic identity fraud, digital KYC, data enrichment, and fraud scoring.
- Experience with digital strategy implementation, risk management and data strategy
- Ability to influence and lead in an evolving, multi‑country environment.
- Fluency in English and Spanish preferred.
What’s in it for you?
- An inclusive & collaborative working environment that encourages creativity, curiosity, and celebrates success!
- We offer a competitive rewards package: Performance bonus, Employee Share Ownership Program, and Pension Plan Matching, Health Benefits from day one!
- Your career matters! You will have access to career development and progression opportunities.
Location(s): Canada : Ontario : Toronto
Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets.
At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.