Manager, Fraud Analytics, Systems Mgmt.

Address:

Cards Analytics Senior Analyst / Manager

The Cards Analytics team is responsible for delivering data-driven insights and analytical solutions that support credit card and debit card portfolio management fraud strategy optimization customer experience improvements and operational efficiency. The role utilizes advanced analytical techniques large-scale data analysis and business intelligence tools to identify trends monitor portfolio performance optimize fraud and authorization strategies and support strategic decision-making across the Cards business.

The successful candidate will collaborate closely with Fraud Strategy Operations Product Technology and Risk Management teams to transform complex card transaction data into actionable business insights.

Key Responsibilities

• Perform advanced analysis of credit and debit card transaction data to identify fraud trends customer behaviors authorization performance and portfolio opportunities.

• Develop maintain and optimize analytical reporting dashboards and performance monitoring frameworks for Cards business initiatives.

• Analyze large volumes of transaction authorization fraud chargeback and customer data to identify emerging risks and business opportunities.

• Support fraud strategy development by evaluating rule performance decisioning outcomes and portfolio impacts.

• Conduct complex data analysis using SQL and analytical tools to provide insights and recommendations to business stakeholders.

• Work with TSYS platforms TSYS Determinator and other card processing systems to understand transaction flows strategy execution and portfolio performance.

• Partner with Fraud Strategy Product Risk and Operations teams to support data-driven decision making and business planning.

• Design and execute ad-hoc analyses related to authorization rates fraud losses customer authentication performance digital payments and portfolio management.

• Develop predictive and descriptive analytical models to improve business performance and operational efficiency.

• Prepare executive-level presentations analysis summaries and recommendations for senior leadership.

• Identify opportunities to automate reporting and analytical processes.

• Provide specialized consulting analytical and technical support to Cards business partners.

• Exercise judgment to identify diagnose and solve complex business problems using analytical approaches.

• Work independently and manage multiple priorities in a fast-paced environment.

• Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role making sound and risk-informed decisions aligned with business strategy and regulatory requirements.

Required Qualifications

Advanced Proficiency

• Advanced TSYS expertise is requried including hands-on experience with TSYS card processing platforms and TSYS Determinator strategy configuration rules management and decisioning frameworks.

• Strong SQL programming and query optimization skills.

• Extensive experience analyzing large transactional datasets.

• Cards industry knowledge including credit card and debit card processing.

• Data analysis data wrangling and data preparation.

• Data visualization and business intelligence reporting.

• Analytical and problem-solving skills.

• Verbal and written communication skills.

• Stakeholder management and influence skills.

• Data-driven decision making.

• Collaboration and team leadership skills.

• Fraud analytics card authorization analytics or payment analytics experience.

• Ability to present complex analytical findings to technical and non-technical audiences.

Intermediate Proficiency

• Statistics and quantitative analysis.

• Predictive modeling techniques.

• Risk analytics and portfolio management.

• Critical thinking and creative problem solving.

• Business process analysis.

• Performance measurement and strategy optimization.

Nice to Have

• Experience with Dataiku for data analytics workflow automation and model development.

• Experience developing dashboards in Power BI Tableau or similar visualization tools.

• Strong Microsoft Power BI and SQL Server

• Experience with Python SAS R or other analytical programming languages.

• Knowledge of Visa Mastercard 3-D Secure Identity Check SecureCode and digital authentication technologies.

• Experience in Card Fraud Strategy Authorization Strategy or Payments Risk Management.

• Familiarity with machine learning and AI applications in fraud detection and customer analytics.

Experience & Education

• Typically 5-7 years of experience in Cards Analytics Fraud Analytics Payments Analytics Risk Analytics or a related field.

• Advanced proficiency with TSYS card processing platforms including hands-on experience leveraging TSYS Determinator strategies rules and decisioning frameworks to support fraud authorization and portfolio management initiatives.

• Undergraduate degree in Statistics Mathematics Computer Science Engineering Economics Finance or a related quantitative discipline.

• Equivalent combination of education and relevant experience will be considered.

• Deep knowledge gained through extensive business experience in card payments fraud management and analytical environments.

The above represents BMO Financial Groups pay range and type.

Salaries will vary based on factors such as location skills experience education and qualifications for the role and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles the salary listed above represents BMO Financial Groups expected target for the first year in this position.

BMO Financial Groups total compensation package will vary based on the pay type of the position and may include performance-based incentives discretionary bonuses as well as other perks and rewards. BMO also offers health insurance tuition reimbursement accident and life insurance and retirement savings plans. To view more details of our benefits please visit: Us

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting positive change for our customers our communities and our people. By working together innovating and pushing boundaries we transform lives and businesses and power economic growth around the world.

As a member of the BMO team you are valued respected and heard and you have more ways to grow and make an impact. We strive to help you make an impact from day one for yourself and our customers. Well support you with the tools and resources you need to reach new milestones as you help our customers reach theirs. From in-depth training and coaching to manager support and network-building opportunities well help you gain valuable experience and broaden your skillset.

To find out more visit us at is committed to an inclusive equitable and accessible workplace. By learning from each others differences we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation please contact your recruiter.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO directly or indirectly will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid written and fully executed agency agreement contract for service to submit resumes.