Habemco is a shared services company wholly owned and operated by the Habematolel Pomo of Upper Lake, a federally recognized Native American tribe located in Northern California. Habemcos support services such as product development and technology which are needed for business growth, ultimately power the Tribes economy, and enable the delivery of education, health care and elder support programs for the Tribal community. Our talented team provides cross-functional support services to various tribal business and government entities. The Habemco team plays a critical role in ensuring a successful future for our customers, our employees, and the Tribe.
Headquartered in a beautiful, yet remote part of California, the Tribe recognizes that to compete in highly competitive industries such as Fin Tech, the Tribe must access expertise throughout the nation. In addition to employees that work remotely, the Tribe has employees located at its headquarters in Upper Lake, California and at a campus in Lenexa, Kansas.
Employees receive competitive pay and benefits, quarterly performance bonuses and 401(k) with a 4% match. Our team is creative, forward-thinking, passionate and moves fast! Are you ready to grow with us?

Purpose of the Position
Oversees all facets of fraud prevention and detection. Leads the team responsible for the detection, prevention, and mitigation of fraudulent transactions. Develops and implements fraud prevention strategies and ensures compliance with all relevant anti-fraud regulations and standards. Creates reports and presents findings to senior management outlining trends, risks, and mitigation strategies. Reviews and implements best practices in the fraud prevention industry. Provides input to strategic decisions that affect the functional area of responsibility. May give input into developing the budget. Capable of resolving escalated issues arising from operations and requiring coordination with other departments.
Key Responsibilities
Strategy:

• Provide strategic leadership in the companys fraud detection and prevention function.
• Collaborate with the President, leadership, and business stakeholders to define organizations holistic fraud detection roadmap and determine strategies for achieving this vision.
• Implement fraud detection strategies on the companys lending platform, in collaboration with IT development function.
• Analyzes fraud infrastructure and performance to assess operating costs, productivity levels, upgrade requirements, and other metrics and needs.
• Establish efficiency and efficacy standards, providing recommendations for improvement of fraud department and related fraud prevention infrastructure.
• Direct the companys fraud department, ensuring the department provides cost effective and efficient fraud services.
• Review annual budgets and ensure that the department adheres to annual budgetary requirements.
• Responsible for coordination of departmental resources to ensure project deliverables are timely and within specifications and budget.
• Manage and improve real-time fraud detection in companys lending platform.
• Lead fraud investigation and review.
• Evaluate, test, and integrate new data from outside vendors to improve the efficiency and effectiveness of companys fraud detection efforts.

Policies and Procedures:

• Assess and improve fraud detection/prevention policies and procedures.
• Manage and ensure adherence to fraud detection/prevention policies and procedures across the enterprise.
• Provide guidelines and feedback to the call center fraud related customer service.

Project Management:

• Provide business and needs analysis to define priorities for the development of fraud related projects.
• Manage and coordinate fraud related projects through their full life cycle.
• Coordinate fraud detection operation and project across companys other function such as Credit, Marketing, Compliance, IT development, etc.
• Facilitate development of definition of project scope and objectives with appropriate team members.
• Work with project stakeholders to develop project requirements, quality measures, standards, processes, cost estimates and milestones.
• Develop detailed work plans, schedules, project estimates, resource plans, budgets, and status reports.
• Develop, track, monitor and communicate project progress against the project plan.
• Generate solutions that are immediately actionable as issues are reported and assure sufficient infrastructure and back-up plans are in place to address immediate, high risk, and emergency issues.
• Manage the day-to-day monitoring and tracking of fraud detection in online traffic as well as loan underwriting, loan service, and customer communication.

Communication and Cross Functional Coordination:

• Provide regular updates to leadership on the status of the companys fraud risk posture and fraud prevention program.
• Lead the companys fraud committee, including recommending committee structure, purpose, goals, and priorities.
• Drive alignment across departments, all program efforts, and activities to achieve desired business outcomes.
• Coordinate with the appropriate subject matter experts to obtain assistance to resolve issues within the organization and fraud department.
• Provide support to companys legal and compliance department in fraud prevention and detection.

Vendor Management:

• Manage 3rd party vendors in fraud detection in online lending and other business process. Including, managing the integration of vendor tasks, and tracks and reviews vendor deliverables.
• Coordinate with legal on contract reviews, vendor negotiations and ensure all relevant contracts are kept up to date.

People Development and Management:

• Recruit, train, and manage fraud detection and analytics associates.
• Motivate and mentor team to grow their skills and career, creating a nurturing environment that encourages innovation and continual learning.
• Provide formalized, continuous work direction and leadership to assigned team of professionals, including the scheduling, assignment, and review of project work, filling in when and where needed.
• Participate in hiring process of new staff and train as appropriate.
• Conducts performance evaluations that are timely and constructive.
• Handles discipline and termination of employees as needed and in accordance with company policy.

Other:

• Regular, reliable attendance during normal business hours.
• Periodic in-person attendance and travel as requested.
• Other duties as assigned.

Education and Experience
Required:

• Bachelor of Science degree from an accredited university with a major in a quantitative subject such as Economics, Finance, Statistics, Mathematics, Operations Research, Engineering, or Computer Science, or in lieu of education, four or more years of direct. Plus:
  • Five (5) or more years of experience in detection and prevention of Fraud ideally in Fin Tech or Banking industries.
  • Two (2) or more years of experience as a leader overseeing a team of Analysts performing detection and prevention of Fraud.
• Applicants for this position must have work authorization that does not now or in the future require sponsorship of a visa for employment authorization in the United States and with Habemco (e.g., H1-B visa, F-1 visa (STEM/OPT), TN visa.)
• All offers are contingent upon signing a confidentiality agreement and satisfactory completion of drug screening and background checks.Employer observes federal standards for controlled substances.

Preferred:

• Master of Science degree from an accredited university with a major in a quantitative subject such as Economics, Finance, Statistics, Mathematics, Operations Research, Engineering, or Computer Science.
• Master of Business Administration from an accredited university.

Skills & Abilities
Leadership:

• Excellent leadership and people skills, experience working with various teams, influencing, and getting buy-ins in various situations.
• Strong organization, time management, and ability to oversee and drive multiple engagements forward.
• Ability to navigate ambiguity, think big-picture, and build plans that turn strategies into action.
• Strong experience communicating complex technical ideas to both technical and non-technical personnel.
• Demonstrate ability to lead teams through requirements, design, verification, and employment of project solutions.
• Ability to manage and coordinate activities across-functional teams consisting of business users, developers, and vendors.
• Proven effective time management skills, including the ability to prioritize, self-start, and complete projects in a timely manner while ensuring accuracy.
• Able to maintain strict confidentiality.
• Outstanding ability to think creatively, strategically and identify and resolve problems.
• Excellent verbal and written communication skills.

Technology:

• Strong MS Excel skills.
• Hands-on experience with relational database and SQL skills.
• Knowledge of web user interface and data process.

Data Analysis:

• Strong analytics skills: using data analytics software (Python, R, SAS, etc.) to analyze data and derive business strategies.
• Skills in handling and analyzing large data sets.
• Strong skills in being able to translate complex data into usable information for varied audiences.

Subject Matter Expertise:

• Hands-on experience in fraud prevention, ID theft detection, online fraud, cyber security.
• Knowledge of online consumer lending, loan underwriting, loan process, customer service, call center operation and credit bureau reporting, etc.

Physical Requirements

• Prolonged periods in a stationary seated position, such as working on a computer.
• Verbal communication sufficient to exchange accurate ideas and information.