Director, Fraud Strategy Deposits

Happen Bank(formerly LendingClub)is built around a simple purpose: to clear the way to help people turn intention into action and action intofinancial progress. That means offering focused products a frictionless mobile-first experience and clear terms with no gotchas. Respect and fairness is part of our DNA and that ideal shapes how we work how we treat each other and how we invest in our employees and our community. Join us in using data bold thinking and a commitment to innovation to help clear the way for millions of Americans to achieve more.

• Define and lead the deposit fraud strategy across onboarding identity verification and money movement channels such as ACH wires and Zelle
• Drive outcomes that balance fraud loss prevention with customer experience and conversion setting clear performance targets and accountability
• Build and evolve data-driven decisioning frameworks using customer behavior analytics and third-party signals
• Identify fraud patterns through deep analysis of large complex datasets and translate insights into scalable strategies
• Evaluate select and optimize vendors data sources and tools to improve fraud detection and identity confidence
• Partner cross-functionally with Fraud Ops Product Engineering and Data to design implement and continuously improve strategies
• Establish KPIs and reporting to measure fraud loss conversion and operational efficiency and communicate insights to leadership
• Improve how the team operates by introducing automation real-time decisioning and smarter workflows including appropriate use of AI

• 10 years of experience in fraud risk or related roles including 6 years in people management
• Bachelors degree or higher or equivalent combination of education and experience
• Proven experience leading fraud strategy in banking fintech payments or lending with strong understanding of deposit fraud vectors
• You operate at a functional leadership level setting direction driving accountability and making high-impact decisions in ambiguous environments
• Deep expertise in fraud prevention across onboarding identity verification and money movement
• Strong analytical mindset with hands-on experience working with large datasets to uncover patterns and drive decisions
• Experience using SQL Python R or similar tools and building dashboards to track performance
• You have a clear perspective on where AI adds leverage across fraud strategy and have translated that into how teams operate while maintaining strong judgment and accountability
• You collaborate effectively across teams and bring stakeholders along while driving change
• You take ownership of outcomes and continuously look for ways to improve systems processes and results

Nice to Have

• Experience with behavioral biometrics machine learning or AI-driven fraud detection
• Familiarity with real-time decisioning platforms and identity graph concepts
• Experience scaling fraud strategy in a high-growth digital banking environment

Work Location
San Francisco

The above locations are eligible offices for this locations have been determined to foster in-person collaboration with this roles team or the related business lines. We utilize a hybrid work model and our teams are in-office Tuesdays Wednesdays and -person attendance is essential for this roles success and remote placement will not be Bank offers relocation based on actual job level.

Time Zone Requirements
Primarily PT

While the position will primarily work local hours Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary.

Travel Requirements
As needed travel to Happen Bank offices and/or other locations as needed.

Compensation
The target base salary range for this position is 00. The base salary of the role will be determined by job-related knowledge experience education skills and location. Base salary is just one part of Happen Banks Total Rewards package. You may also be eligible for long-term awards (equity) and an annual bonus (which is based on company performance employee performance and eligible earnings).

Were creating new financial services solutions for our members based on fairness simplicity and heart and we treat our employees the same way. We offer a competitive benefits package that includes medical dental and vision plans for employees and their families 401(k) match health and wellness programs flexible time off policies for salaried employees up to 16 weeks paid parental leave and more.

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Happen Bank is an equal opportunity employer and dedicated to diversity equity and inclusion in the workplace. We do not discriminate on the basis of race religion color national origin sex (including pregnancy childbirth reproductive health decisions or related medical conditions) gender gender identity gender expression sexual orientation age marital status veteran status disability status political views or activity or other applicable legally protected characteristics. We believe that a variety of perspectives will make our teams and business stronger as we work together to transform the traditional banking system.

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