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.

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.

• Own Fraud Strategy & Rule Coverage:

• Manage Real-Time Decisioning Rules:

• Enhance Rules Engine Capabilities:

• Optimize Performance Outcomes:

• Analyze Performance & Identify Rule Opportunities:

• Partner on Strategy Execution:

• Communicate Strategy Performance:

• Ensure Strong Governance:

• 5-8+ years in fraud risk, payments risk, or financial crimes
• Deep expertise in: Card fraud strategy (CNP and CP) for card issuers or merchants, as well as knowledge of Real-time payments (Zelle, RTP, P2P, Bill Pay and other emerging payments)

• Proven experience owning and optimizing real-time fraud decisioning rules, thresholds, and strategies
• Experience translating fraud strategy requirements into rules engine changes in partnership with 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 in segmentation, rule performance measurement, A/B or champion/challenger testing, and optimization

• Working knowledge of fraud models / machine learning concepts and model governance

• Ability to translate data into actionable fraud rule changes, strategy recommendations, and measurable performance improvements

• Strong experience with analytical tools such as Python, R, SAS, SQL, and platforms such as Tableau or Power BI.

• Ability to explain rule strategy, optimization rationale, performance results, and risk trade-offs to business and technical partners
• Excellent written and verbal communication skills for documenting strategy changes, testing outcomes, and performance insights
• Collaborative approach to aligning rule changes with operational readiness, product requirements, and risk governance expectations