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About the Role

As a Director, Deposit Fraud Strategy, you will lead the strategy and execution of fraud prevention across the Bank’s deposit products, driving outcomes that minimize fraud loss while maximizing good customer conversion. You will play a critical role in scaling the function by improving how we use data, vendors, and decisioning systems to better understand and protect good customer behavior.

Responsibilities

• Define and lead the deposit fraud strategy across onboarding, identity verification, and money movement channels such as ACH, wires, and Zelle
• Drive outcomes that balance fraud loss prevention with customer experience and conversion, setting clear performance targets and accountability
• Build and evolve data-driven decisioning frameworks using customer behavior, analytics, and third-party signals
• Identify fraud patterns through deep analysis of large, complex datasets and translate insights into scalable strategies
• Evaluate, select, and optimize vendors, data sources, and tools to improve fraud detection and identity confidence
• Partner cross-functionally with Fraud Ops, Product, Engineering, and Data to design, implement, and continuously improve strategies
• Establish KPIs and reporting to measure fraud loss, conversion, and operational efficiency, and communicate insights to leadership
• Improve how the team operates by introducing automation, real-time decisioning, and smarter workflows, including appropriate use of AI

Requirements

• 10+ years of experience in fraud, risk, or related roles, including 6+ years in people management
• Proven experience leading fraud strategy in banking, fintech, payments, or lending with strong understanding of deposit fraud vectors
• Operate at a functional leadership level, setting direction, driving accountability, and making high-impact decisions in ambiguous environments
• Deep expertise in fraud prevention across onboarding, identity verification, and money movement
• Strong analytical mindset with hands-on experience working with large datasets to uncover patterns and drive decisions
• Experience using SQL, Python, R, or similar tools, and building dashboards to track performance
• Clear perspective on where AI adds leverage across fraud strategy and have translated that into how teams operate, while maintaining strong judgment and accountability
• Collaborate effectively across teams and bring stakeholders along while driving change
• Take ownership of outcomes and continuously look for ways to improve systems, processes, and results

Skills

• SQL
• Python
• R
• AI
• Behavioral biometrics
• Machine learning
• AI-driven fraud detection
• Real-time decisioning platforms
• Identity graph concepts

Location

• San Francisco

Work Type

• Hybrid

Experience Level

• 10+ years of experience
• 6+ years in people management

Education Level

• Bachelor’s degree in a related field; or equivalent work experience

Salary/Compensations

• 210,000-245,000

Benefits

• Medical, dental and vision plans for employees and their families
• 401(k) match
• Health and wellness programs
• Flexible time off policies for salaried employees
• Up to 16 weeks paid parental leave

About the Company

• LendingClub (soon to be Happen Bank) is built around a simple purpose: to clear the way to help people turn intention into action, and action into financial progress. That means offering focused products, a frictionless mobile-first experience, and clear terms with no gotchas. Respect and fairness is part of our DNA, and that ideal shapes how we work, how we treat each other, and how we invest in our employees and our community. Join us in using data, bold thinking, and a commitment to innovation to help clear the way for millions of Americans to achieve more. To learn more visit us at meethappen.com Please review LendingClub's Work-related Privacy Disclosure.

Equal Opportunity

• LendingClub is an equal opportunity employer and dedicated to diversity, equity, and inclusion in the workplace. We do not discriminate on the basis of race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), gender, gender identity, gender expression, sexual orientation, age, marital status, veteran status, disability status, political views or activity, or other applicable legally protected characteristics. We believe that a variety of perspectives will make our teams and business stronger as we work together to transform the traditional banking system. We are committed to providing reasonable accommodations for qualified individuals with disabilities in our job application process. If you need assistance or an accommodation due to a disability, please contact us at interviewaccommodations@lendingclub.com.