Fraud Risk Governance Program Manager

Value Proposition

Our values define us and our culture inspires us to change lives for the better. Our employees are the heart and soul of our company, and every success we experience begins with them. Together we are committed to making a positive impact in our local communities. We champion a culture of continuous learning, work-life integration, and inclusion. We promote a digitally enabled work environment to continuously enhance the experience of our employees and customers.

Overview

This is a full-time career opportunity that can be remote within a commutable distance to Lancaster, PA

 

The Program Manager – Fraud Risk Governance is responsible for protecting the organization from fraud losses by overseeing and coordinating fraud prevention efforts, proactively evaluating fraud strategies, and driving initiatives that strengthen fraud risk mitigation across the enterprise. The role focuses on training, quality control, control documentation and testing, metrics, and broader fraud oversight. This role partners closely with Fraud Risk Management (FRM) operations, Second Line of Defense (Risk Management and Compliance), and Internal Audit to ensure fraud activities are well-governed, consistently executed, and aligned with regulatory expectations and the bank's risk appetite, while proactively identifying opportunities to strengthen controls and governance practices. By focusing on early risk detection and prevention strategies, this role addresses fraud risk and supports the FRM department's activities, contributing directly to the mitigation of operational losses attributed to fraud.

Responsibilities

• Own and enhance the fraud governance framework, providing oversight of fraud operations, investigations, and supporting processes. Design, implement, and continuously optimize a multi-layered fraud prevention framework across all transaction channels (e.g., checks, credit/debit cards, ACH, digital payments).
• Advise and guide the investigation lifecycle from detection to resolution, including high-value external fraud and internal fraud cases. Analyze large datasets to identify fraud patterns, emerging threats, and system vulnerabilities and develop strategies to mitigate fraud losses.
• Work closely with Line of Business teams to integrate anti-fraud features and improve the effectiveness of fraud mitigation strategies. Serve as a liaison with third-party vendors, payment processors, and banking partners to enhance fraud mitigation efforts.
• Oversee fraud loss metrics such as loss rates, chargeback rates, and manual review efficiency, reporting findings to executive leadership. Present fraud trends, risks, and mitigation strategies to senior leadership.
• Lead root-cause assessments of fraud loss data, and perform loss attribution to prioritize improvements.
• Develop, implement and manage fraud training program to assist in building out QC/QA reviews and creating standards within the department.

 

Qualifications

Education

Bachelor's Degree or the equivalent experience. Specialty: Business, Criminal Justice, or other applicable. (Required)

Experience

10 or more years fraud prevention in Financial Services. (Required)

3 or more years fraud governance program oversight. (Preferred)

Knowledge, Skills, and Abilities

• Working knowledge of fraud risks, typologies, and related operational processes (Required)
• Strong analytical, organizational, and communication skills (Required)

 

 Other Duties as Assigned by Manager

This role may perform other job duties as assigned by the manager. Each employee of the Organization, regardless of position, is accountable for reading, understanding and acting on the contents of all Company-assigned and/or job related Compliance Programs, regulations and policies and procedures, as well as ensure that all Compliance Training assignments are completed by established due dates. This includes but is not limited to, understanding and identifying compliance risks impacting their department(s), ensuring compliance with applicable laws or regulations, and escalating compliance risks to the appropriate level of management.

Pay Transparency

To provide greater transparency to candidates, we share base salary ranges on all job postings regardless of state. We set standard salary ranges for our roles based on the position, function, and responsibilities, as benchmarked against similarly sized companies in our industry. Specific compensation offered will be determined based on a combination of factors including the candidate’s knowledge, skills, depth of work experience, and relevant licenses/credentials. The salary range may vary based on geographic location.

 

The salary range for this position is $91,000.00 - $151,600.00 annually.

Additional Compensation Components

 

This job is eligible to receive equity in the form of restricted stock units. This job is eligible to participate in a short-term incentive compensation plan subject to individual and company performance.

Benefits

Additionally, as part of our Total Rewards program, Fulton Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; flexible spending account or health savings account depending on the medical plan chosen; dental and vision insurance; life insurance; 401(k) program with employer match and Employee Stock Purchase Plan; paid time off programs including holiday pay and paid volunteer time; disability insurance coverage and maternity and parental leave; adoption assistance; educational assistance and a robust wellness program with financial incentives. To learn more about your potential eligibility for these programs, please visit Benefits & Wellness | Fulton Bank.

EEO Statement

Fulton Bank (“Fulton”) is an equal opportunity employer and is committed to providing equal employment opportunity for all qualified persons. Fulton will recruit, hire, train and promote persons in all job titles, and ensure that all other personnel actions are administered, without regard to race, color, religion, creed, sexual orientation, national origin, citizenship, gender, gender identity, age, genetic information, marital status, disability, covered veteran status, or any other legally protected status.

Sponsorship Statement

As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Fulton Bank currently or in the future.