Fraud Analytics and Innovation Lead Analyst Newark, Delaware;Plano, Texas; Richmond, Virginia; New York, New York; Boston, Massachusetts; Charlotte, North Carolina; Chicago, Illinois; Tampa, Florida; Kennesaw, Georgia; Jacksonville, Florida; Phoenix, Arizona **Job Description:** **Job Description** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities, and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing, and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! **Role Overview** This role is responsible for executing program management functions in support of Client Protection digital self-service with potential dotted-line oversight of select employees supporting key program efforts, ensuring alignment and progress across workstreams. Other key responsibilities include leading the oversight and execution of high-impact initiatives that shape the company’s digital servicing strategy, driving operational excellence through targeted optimization efforts to maximize risk versus return, and leading data-driven performance improvement efforts that challenge the status quo. Job expectations include proactively identifying capability enhancement opportunities, using data and analytics to solve complex problems, coaching, developing employees, and partnering across technology, product, and risk leadership to drive secure, scalable, and forward-thinking digital solutions. **Job Description** This job is responsible for performing more complex analysis aimed at improving portfolio risk, profitability, performance forecasting, and operational performance for consumer products and related divisions, such as credit cards. Key responsibilities include applying knowledge of multiple business and technical-related topics, independently driving strategic improvements, large-scale projects, and initiatives. Job expectations include working with business counterparts within the line of business and partner organizations (e.g.,. Risk, Product, etc.). We are searching for a motivated leader for our Digital Self Service team within the Client Protection Organization. This is a highly visible role that will focus on identifying opportunities to increase fraud outreach and minimize manual processes to remediate fraud concerns for clients. Focus areas include fraud mitigation, revenue generation, complaints management, and optimizing operational treatment efficiencies for 1st/3rd party fraud and scams in Consumer Products and Small Business. This includes considering end to end fraud detection processes, which encompasses both transactional strategy design, alert creation tradeoffs between self-service and manual reviews, and the operational processes that enable efficient resolution of alerts. Additional focus will be on emerging digital AI capabilities at it relates to anti-scam detection, voice to text analytics, and digital enhancement of outreach capabilities like expanding out Push and in-app functionality. Program recommendations from this work will have the ability to influence Detection Strategy, Fraud Operations, Fraud Policy, Work Force Management, Technology, and Product groups. Role is expected to communicate, influence, and negotiate both vertically and horizontally to manage risk. **Responsibilities** + Performs complex analysis of financial models, market data, financial data, and portfolio trends to understand product performance and improve portfolio risk, profitability, performance forecasting, and operational performance + Coaches and mentors’ peers to improve proficiency in a variety of systems and serves as a subject matter expert on multiple business and technical-related topics + Identifies business trends based on economic and portfolio conditions and communicates findings to senior management + Supports execution of large scale projects, such as platform conversions or new project integrations, by conducting advanced reporting and drawing analytics based insights + Identify opportunities for technology funded products, their related buildouts, and seamless hand offs to the fraud strategies and operations teams respectively + Support department-wide strategies and portfolio trend analysis, forecasting, and risk/control performance + Lead innovation by identifying and championing large scale initiatives that improve the risk management, profitability, and control oversight of risks for their business unit(s) + Identify business trends based on economic and portfolio conditions and communicates findings to senior management + Coach employees on best practices for structuring complex problems, performing analysis, and communicating the results and implications of their work + Maintain strategic relationships with peers and counterparts across product, technology, and business control functions + Ensure effective governance and cadence on progress reviews, communication, stakeholder updates + Safeguard risk mitigation and sufficiency of controls to protect key business outcomes **Required Skills** + Self-starter capable of generating meaningful work and driving results + Strong strategic thinking skills with a track record of breaking complex problems down and developing clear strategy / action plans + Proven track record of proactively identifying optimization opportunities for existing processes + Exceptional organizational and communication skills + Aptitude for working across functional lines and organizational levels to drive results + Ability to present, lead, support, and influence senior management and business stakeholders + Executive presentation experience with a strong proficiency in Microsoft PowerPoint   **Desired Skills** + Digitally savvy leader with insight into next-gen technologies and emerging engagement channels + Non client facing fraud or digital experience in roles like strategy, policy, controls, business integration, program management, etc. + Large scale project management experience leveraging agile methodology + Experience in Tableau, SAS, or SQL + Background in Technology, Systems Integration Testing (SIT), or User Acceptance Testing (UAT) + Leadership and management skills, including development of teams and individuals + Proficiency in Microsoft Excel **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. To view the "Know your Rights" poster, CLICK HERE (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12.pdf) . View the LA County Fair Chance Ordinance (https://dcba.lacounty.gov/wp-content/uploads/2024/08/FCOE-Official-Notice-Eng-Final-8.30.2024.pdf) . Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy (“Policy”) establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. To view Bank of America’s Drug-free Workplace and Alcohol Policy, CLICK HERE . Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank’s required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.