Manager, Fraud Risk

Haventree Bank is a Schedule I Canadian bank dedicated to advancing financial security and upward mobility for Canadians underserved by traditional financial services. Through our broker-distributed alternative mortgage and GIC solutions, as well as our growing digital banking platform, we provide straightforward products that support long-term financial well-being and meaningful growth.

As a CDIC-insured, federally regulated bank, we offer the trust and stability of a traditional financial institution while embracing the innovation and customer-first mindset of a modern digital bank.

If you're looking for a place where your work has a direct impact, your ideas are valued, and innovation is encouraged, Haventree Bank is the place for you.

Reporting to the Director of Fraud Management, the Manager, Fraud Risk will play a key role in building and shaping daily operations while developing fraud risk strategies for a range of new products. This role is responsible for using data analytics to identify fraud trends, designing scalable controls, and collaborating across teams to balance effective fraud prevention with a strong customer experience.

The position requires a data-driven, solution-oriented mindset and the ability to thrive in a dynamic environment. The ideal candidate is inquisitive, proactive, and motivated to build fraud prevention capabilities from the ground up.

• Assist in designing and implementing fraud prevention frameworks, policies and controls tailored to a suite of new products of the digital bank
• Support the design, enhancement, and ongoing maintenance of fraud detection tools, reporting frameworks, and real-time monitoring capabilities to identify suspicious activity
• Analyze large datasets to detect early fraud trends, identify anomalies, and recommend countermeasures
• Use SQL, Python, and visualization tools (e.g., Tableau) to build dashboards that track key fraud metrics and emerging trends
• Support the testing and refinement of machine learning-driven fraud models
• Develop and deliver fraud trend reports to leadership, highlighting high-risk areas, fraud attack vectors and recommendations
• Implement A/B testing for fraud strategies to measure their impact on fraud reduction and false positives
• Collaborate with product managers and engineers to strengthen fraud prevention tools and integrate risk signals across the customer journey
• Partner with Operations to build fraud-related processes and establish policies
• Support fraud risk assessments, forecasting fraud losses, and preparing materials for key stakeholders
• Identify and implement automation opportunities to improve fraud detection efficiency and reduce manual review workload
• Oversee end-to-end card lifecycle processes, including card issuance, usage monitoring, and ensuring a seamless and secure customer experience
• Establish, manage and optimize chargeback processes by identifying trends, improving dispute handling, and enhancing overall customer and operational outcomes
• Work with vendors and internal teams to optimize usage of tools and technology
• Act as a key point of contact for internal teams, addressing inquiries related to fraud losses, trends, and insights.
• Serve as a mentor and coach to team members by providing timely, continuous feedback to support the achievement of both development and operational objectives

• A university degree in a related field, such as Business, Engineering, Data Science, or equivalent

• The position requires 5+ years of experience in fraud operations, financial crime, or risk management within the financial services industry
• Demonstrate a strong understanding of fraud vectors, tactics, and emerging trends across a broad range of financial products and services.
• Proven experience working with card programs and payment ecosystems, with a strong understanding of fraud risks and controls
• Experience working fraud detection tools, SQL, Python, Tableau for visualizations and analytics
• Familiarity with fraud risk management – ideally at a startup or high growth-environment
• Strong communication skills, with the ability to translate data insights into actionable business recommendations
• Demonstrate a self-driven, energetic, and results-oriented approach, with a strong commitment to delivering value to the organization
• Experience with KYC processes and AML/ATF requirements would be an…