"Alerted.org

General information

**Ref #** 20311

**Remote?** No

Ally and Your Career

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Ally Financial only succeeds when its people do - and that’s more than some cliché people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You’re constantly evolving, so shouldn’t your opportunities be, too?

The Opportunity

The Debit Card Fraud Program Leader is responsible for driving the strategy for fraud prevention and mitigation across the entire debit card lifecycle - from card issuance to account closure. This role will ensure that Ally adheres to key regulations and industry best practices while optimizing fraud detection capabilities and recoveries. The leader will also develop and maintain performance monitoring dashboards, drive strategic projects, and stay engaged with emerging fraud schemes.

Ally work locations are Charlotte NC, Lewisville TX, Jacksonville Fl or Fort Washington PA. In office role with Hybrid schedule, currently 3 days in office and 2 remote

At this time, Ally will not sponsor a new applicant for employment authorization for this position.

The Work Itself

Fraud Strategy and Optimization

* Design fraud strategies tailored to each stage of debit card lifecycle (Issuance, Activation, Provisioning, Maintenance and Closure)

* Collaborate with the Product, Mastercard, and the processor to implement effective client centric controls.

* Optimize fraud detection systems and processes to improve accuracy and efficiency in identifying fraudulent activities.

* Lead efforts to recover funds from fraudulent transactions, track and improve overall recovery rates.

* Stay informed about industry best practices, new fraud schemes, customer complaints, and regulatory requirements to ensure the organization remains compliant and proactive.

Performance Monitoring and Analytics

* Design and develop performance monitoring dashboards using Power BI to track key metrics and trends in debit card fraud.

* Utilize SQL to analyze large datasets and identify patterns indicative of fraudulent activity.

* Build dashboards and reporting to monitor performance, quality, and network compliance.

Strategic Projects and Innovation

* Drive strategic projects aimed at enhancing fraud prevention measures and staying ahead of emerging fraud schemes.

* Demonstrate innovative thinking and a proactive approach to identifying and addressing fraud risks.

* Collaborate with industry peers to stay abreast of trends and leverage resources for fraud prevention.

Collaboration and Leadership

* Foster strong stakeholder engagement and collaboration across various departments, including Product, Money Movement, Business Line Risk, operations, and customer service.

* Demonstrate executive presence and effectively communicate fraud-related insights and recommendations to senior leadership.

* Maintain a positive consultative approach when working with internal and external partners to address fraud-related challenges.

The Skills You Bring

* 7 years of experience in card fraud management required.

* Expert knowledge of card authorization with a focus on minimizing fraud losses and customer experience.

* Experience with real time fraud prevention tools such as Falcon, SAS, 3DS or comparable commercial solutions.

* Demonstrated success in identifying patterns, detecting anomalies, and assessing fraud exposure using transaction data and trend analysis.

* Experience designing and executing fraud prevention tactics across all stages of the debit card lifecycle.

* Expert understanding of Mastercard rules, fraud programs and dispute resolution processes.

* Proficiency in working with third-party processor tools for card controls, rules, transaction monitoring, and reporting.

* Familiarity with Reg E and Mastercard’s dispute rules to support accurate claims management and loss recovery.

* Strong analytical skills including SQL, Python, or other data science tools to interpret fraud KPIs, develop dashboards, and present insights to stakeholders.

* Skilled at working cross-functionally with product, risk, compliance, operations, customer service, and external partners.

* Client-Centric Mindset. Ability to balance strong fraud protection with minimal impact on customer experience and transaction friction.

* Understanding of relevant laws and guidance (e.g., Reg E, FFIEC, PCI-DSS) to ensure compliance with fraud practices.

* Adaptability and curiosity.

\#LI-Hybrid

How We'll Have Your Back

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Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. But Ally’s total compensation - or total rewards - extends beyond your paycheck and is designed to support and enrich your personal and professional life, including:

* Time Away: competitive holiday and flexible paid-time-off, including time off for volunteering and voting.

* Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan and 529 educational assistance programs, tuition reimbursement, and other financial well-being programs.

* Supporting your Health & Well-being: flexible health and insurance options including dental and vision, pre-tax Health Savings Account with employer contributions and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially.

* Building a Family: adoption, surrogacy, and fertility support as well as parental and caregiver leave, back-up child and adult/elder day care program and childcare discounts.

* Work-Life Integration: other benefits including LifeMatters® Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.

Who We Are:

Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit www.ally.com.

Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law.

Where permitted by applicable law, must have received or be willing to receive the COVID-19 vaccine by date of hire to be considered, if not currently employed by Ally.

We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at [email protected]. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.

_Base Pay Range:_

An individual's position in the range is determined by the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer.

**Emerging:** 125000

**Experienced:** 157500

**Expert:** 190000

Incentive Compensation: This position is eligible to participate in our annual incentive plan