Director - Debit Card Fraud Program Leader

General information

Career area Deposits Operations Work Location(s) 1100 Virginia Drive, PA, 12850 W Gran Bay Pkwy, FL, 2911 Lake Vista Drive, TX, 601 S. Tryon Street, NC Remote? No Ref # 20311 Posted Date 08-01-25 Working time Full time

Ally and Your Career

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?
Work Schedule: Ally designates roles as (1) fully on-site, (2) hybrid, or (3) fully remote. Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role's specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need.

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

Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. Our Total Rewards program includes industry-leading compensation and benefits plus additional incentives that are designed to meet your needs and those of your family so you can get the most out of your career and your life, including:

• Time Away: Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level).
• 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 pay downs and 529 educational save up assistance programs, tuition reimbursement, employee stock purchase plan, and financial learning center and financial coach access.
• Supporting your Health & Well-being: flexible health and insurance options including medical, dental and vision, employee, spouse and child life insurance, short- and long-term disability, pre-tax Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident & hospital indemnity insurance, 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 assistance as well as paid parental and caregiver leave, Dependent Day Care FSA back-up child and adult/elder care days and childcare discounts.
• Work-Life Integration: other benefits including Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.
• Other compensations: depending on the role for which you are considered, you may be eligible for travel allowances, relocation assistance, a signing bonus and/or equity.
• To view more detailed information about Ally’s Total Rewards, please visit this link: https://www.ally.com/content/dam/pdf/corporate/ally-total-rewards-snapshot.pdf

 

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.

 

We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at hrpolicy@ally.com. 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: $125000 - $190000 USDAn individual's position in the range is determined by the specific role, 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.  Incentive Compensation: This position is eligible to participate in our annual incentive plan.