Category: Legal, Risk, Compliance & Audit

At Manulife Bank, protecting our customers, advisors, and business from financial crime is a critical strategic priority. As Director, Fraud Analytics & Risk Management, you will lead the Bank's fraud analytics and intelligence capabilities, leveraging advanced data analytics, customer risk modeling, and fraud technologies to proactively identify, detect, and mitigate fraud across all banking products, channels, and customer journeys.

This role is responsible for developing a data-driven fraud management ecosystem that delivers strong customer protection while enabling frictionless banking experiences. Working closely with Operations, Risk, Technology, Digital, Data & Analytics, and external partners, you will drive creative solutions that enhance fraud detection, strengthen customer risk management, and improve fraud prevention outcomes.

Reporting to the AVP/VP, Fraud Strategy & Operations, you will play a key leadership role in shaping the future state fraud capability at Manulife Bank.

Position Responsibilities:

- Develop and execute the Bank's fraud analytics strategy across deposits, lending, mortgages, payments, digital banking, contact centre, and advisor channels.
- Establish proactive monitoring and analytical capabilities to detect emerging fraud risks, customer scams, account takeover attacks, identity theft, synthetic identities, mule activity, and organized fraud networks.
- Leverage internal and external data sources to identify fraud trends, vulnerabilities, and opportunities for control enhancement.
- Lead fraud intelligence and root-cause analysis activities to continuously improve detection and prevention effectiveness.
- Build meaningful analytics,



dashboards, and executive reporting to support fraud management decision-making.

Own Customer Risk Scoring & Fraud Decisioning

- Design, develop, and continuously optimize customer fraud risk scoring models across the customer lifecycle.
- Enhance risk-based authentication, transaction monitoring, and fraud intervention strategies.
- Leverage behavioural analytics, device intelligence, digital signals, transaction patterns, and external intelligence to improve customer risk segmentation.
- Monitor model performance and ensure appropriate governance, oversight, validation, and recalibration.
- Support development of real-time fraud detection and decisioning capabilities as the Bank evolves its payments and digital banking ecosystem.

Advance Fraud Technology Capabilities

- Lead evaluation, implementation, and optimization of fraud technology solutions that strengthen the Bank's fraud prevention capabilities.
- Partner with vendors to implement prevention and detection fraud toolkits
- Develop business cases and strategic recommendations for fraud technology investments.
- Manage vendor relationships, performance expectations, and ongoing solution effectiveness reviews.

Strengthen Fraud Risk Management

- Lead comprehensive fraud risk assessments across products, processes, channels,



and strategic initiatives.
- Partner with Enterprise Risk Management and Compliance teams to ensure fraud risks are appropriately identified, measured, monitored, and mitigated.
- Define and maintain fraud risk indicators, thresholds, risk appetite metrics, and reporting frameworks.
- Identify control gaps and drive remediation strategies.
- Support regulatory, audit, and governance reviews related to fraud risk management.
- Partner with Analytics on developing predictive models to improve fraud detection and prevention outcomes.
- Leverage machine learning, network analytics, behavioural analytics, anomaly detection, and AI-enabled capabilities where appropriate.
- Balance fraud loss reduction objectives with customer experience considerations.
- Translate complex analytical findings into actionable business recommendations for senior leadership.

Lead and Develop a High-Performing Team

- Build and lead a team of fraud analytics, fraud intelligence, and risk professionals.
- Foster a culture of innovation, continuous improvement, accountability, and customer focus.
- Coach and develop talent while building future fraud analytics capabilities for the Bank.
- Serve as a trusted advisor to executives and stakeholders on fraud risk trends, emerging threats, and mitigation strategies.

Required Qualifications:

- University degree in Statistics, Mathematics, Data Science, Computer Science, Business, Finance, Risk Management, or a related discipline.
- 10+ years of experience in fraud analytics, fraud risk management, financial crimes, banking analytics, or advanced data analytics.
- Deep understan

📌 Director, Fraud Analytics (Toronto)
🏢 Manulife
📍 Toronto