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The Senior

Manager, Fraud Analytics & Strategy provides regional strategy, and subject matter expertise for application fraud in digital channels across International Banking (Mexico, Peru, Chile, Uruguay, Caribbean). The role focuses specifically on first party, synthetic, and non‑stolen identity fraud, which reside within credit risk rather than enterprise fraud operations. This leader defines the risk strategy and controls for digital channel originations fraud, and works with country teams to build capabilities and reduce losses.

Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge. Enforce the digital application fraud strategy for International Banking, including standards for identity proofing, fraud scoring, escalation thresholds, and lifecycle controls. Establish and maintain a first‑party and synthetic fraud framework aligned to global policies and IB digital growth objectives.

Capability Building Across Countries

Act as the regional subject‑matter expert to support countries in strengthening digital application fraud controls. Partner with Data and Analytics teams to develop fraud detection capabilities, monitoring solutions, and analytical use cases. Maintain a regional view of fraud trends, attack vectors, and performance indicators across digital origination channels.

Analyze fraud performance data across digital channels and origination journeys to identify fraud patterns, emerging threats,



and control opportunities. Review and challenge major fraud‑related initiatives (digital onboarding changes, data/identity tools, new product flows). Ensure compliance with global policies and alignment with the Retail Credit Risk framework.

Lead fraud‑related components of digital transformation programs, including device intelligence, behavioural biometrics, and next‑generation scoring models. Assess existing data assets and identify opportunities to enhance fraud detection through additional internal and external data sources. Research emerging fraud technologies, market solutions, and vendor capabilities.

Design and enhance fraud prevention use cases supporting digital onboarding and origination processes. Build and maintain relationships with country risk teams, Digital Banking, Risk Technology, Enterprise Fraud, and Global Retail stakeholders. Communicate fraud insights and recommendations to senior audiences in a clear, actionable way.

Understand how the Bank’s risk appetite and risk culture should be considered in day‑to‑day activities and decisions. Creates an environment in which their team pursues effective and efficient operations of their respective areas in accordance with Scotiabank’s Values,



its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day‑to‑day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk. Builds a high performance setting and implements a people strategy that attracts, retains, develops and motivates their team by fostering an inclusive work environment and using a coaching mindset and behaviours; University degree in Computer Science, Engineering, Risk Management, Data Science, Cybersecurity, or related field. ~5+ years of experience in data analytics, fraud risk, credit risk, or consumer lending. ~ Strong expertise in first‑party and synthetic identity fraud, digital KYC, data enrichment, and fraud scoring. ~ Experience with digital strategy implementation, risk management and data strategy ~ Fluency in English and Spanish preferred.

Performance bonus, Employee Share Ownership Program, and Pension Plan Matching, Health Benefits from day one! for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know.

📌 Senior Manager, Fraud Analytics & Strategy (Toronto)
🏢 Scotiabank
📍 Toronto