Fraud Strategy Senior Analyst

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.

• 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.

• 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.

• 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.

• Excellent communication and executive storytelling skills.
• Highly collaborative with a track record of driving alignment across teams.