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Flexiti has reimagined point-of-sale (POS) consumer financing to drive sales for retailers in-store and online, becoming one of Canada’s leading private label credit card issuers. Through our award-winning platform, we deliver a POS financing experience across any device that is customer-centric, simple and intuitive. Without the need to integrate into existing POS systems, retail partners can easily offer the same fast and paperless financing solution across all retail locations and sales channels to increase revenue and build loyalty through repeat purchases. For more information, visit www.flexiti.com.

Senior Manager, Fraud Strategy

Flexiti Financial is looking for a Senior Manager, Fraud Strategy to join its Risk team. The Senior Manager, Fraud Strategy will be responsible for developing and implementing fraud risk mitigation strategies with a focus on account transactions, fraud models and a test/learn approach. Strategy design is expected to minimize fraud losses and optimize operational costs while ensuring a positive customer experience. This position will be critical in the delivery of a general-purpose credit card that offers promotional financing.

Responsibilities

• Support fraud risk management for the delivery of a general-purpose credit card offering consumer financing with promotional terms.
• Conduct gap analysis and determine optimal credit card settings for fraud risk management.
• Develop, implement, and monitor fraud prevention strategies.
• Support the testing of fraud mitigation strategies for transaction authorizations, card management and account updates.
• Support Operations to ensure fraud investigator and call centre demands are optimized, including strategies that define workflow.
• Work with the reporting team to build data extraction of key data in support of trend analysis and fraud KPIs.

• Support fraud strategies through improved procedures and policies.
• Identify and escalate material fraud risks and trends.
• Leverage industry fraud products such as Falcon and 3DSecure to build real-time fraud detection.
• Produce actionable business insights through the analysis of large amounts of data.

• Help build fraud prevention strategies from point of concept, through data analytics, strategy design, signoff, execution, and monitoring.

Qualifications

• University Degree in a quantitative field, economics, business, engineering or equivalent.
• Combined minimum of 8+ years of experience developing fraud mitigation strategies for unsecured lending products.
• Strong understanding of consumer credit card industry and products, credit card business fundamentals, knowledge of P&L reporting and the credit card lifecycle.
• Experience with credit card platforms such as TSYS, Fiserv/ First Data or similar system, parameter settings and rules management.
• Experience with strategy development tools such as PowerCurve or TRIAD.
• Experience using SQL to analyze, extract and validate data. Experience with similar tools such as SAS, Python or R will be considered.
• Knowledge of credit card data and Fraud Key Performance metrics.
• Experience with machine learning and predictive model development and application.

• Experience with industry fraud score (Falcon), real-time fraud scoring, 3DSecure (dynamic authentication), and consumer SMS alerts.

• Demonstrated ability to work independently, communicate complex problems, and deliver accurate, timely work.
• Ability to collaborate with partners and vendors on initiative requirements and solution design.
• Strong statistical knowledge with a proven track record of working with other business leaders from across the organization to drive analytically based strategies.
• Proven analytical and conceptual thinker who can adapt to a rapidly changing environment.
• High attention to detail, sound judgment in the execution of fraud strategies and superior analytical skills.
• Previous people management experience.
• Proficiency with Microsoft Suite.

What We Offer

Below are just a few reasons why people love working here:

• An opportunity to be a part of an award winning and fast growing company
• An innovative culture that promotes autonomy and flexibility
• A dynamic team and working environment that provides ongoing support
• Competitive compensation package commensurate to experience

Flexiti embraces diversity. We are committed to building a team that represents a variety of backgrounds, perspectives, and skills. All qualified applicants will receive consideration without regard to race, ancestry, place of origin, colour, ethnic origin, citizenship, creed, sex, sexual orientation, disability, age, marital status, or family status. If you require disability-related accommodation during the application or interview process, simply let us know and we’ll work with you to ensure you have a positive experience.