Manager, Fraud Analytics, Systems Mgmt.
BMO · Toronto, Canada · 8d ago
Application Deadline:
Address:
100 King Street WestJob Family Group:
Cards Analytics Senior Analyst / Manager
The Cards Analytics team is responsible for delivering data-driven insights and analytical solutions that support credit card and debit card portfolio management, fraud strategy optimization, customer experience improvements, and operational efficiency. The role utilizes advanced analytical techniques, large-scale data analysis, and business intelligence tools to identify trends, monitor portfolio performance, optimize fraud and authorization strategies, and support strategic decision-making across the Cards business.
The successful candidate will collaborate closely with Fraud Strategy, Operations, Product, Technology, and Risk Management teams to transform complex card transaction data into actionable business insights.
Key Responsibilities
Perform advanced analysis of credit and debit card transaction data to identify fraud trends, customer behaviors, authorization performance, and portfolio opportunities.
Develop, maintain, and optimize analytical reporting, dashboards, and performance monitoring frameworks for Cards business initiatives.
Analyze large volumes of transaction, authorization, fraud, chargeback, and customer data to identify emerging risks and business opportunities.
Support fraud strategy development by evaluating rule performance, decisioning outcomes, and portfolio impacts.
Conduct complex data analysis using SQL and analytical tools to provide insights and recommendations to business stakeholders.
Work with TSYS platforms, TSYS Determinator, and other card processing systems to understand transaction flows, strategy execution, and portfolio performance.
Partner with Fraud Strategy, Product, Risk, and Operations teams to support data-driven decision making and business planning.
Design and execute ad-hoc analyses related to authorization rates, fraud losses, customer authentication performance, digital payments, and portfolio management.
Develop predictive and descriptive analytical models to improve business performance and operational efficiency.
Prepare executive-level presentations, analysis summaries, and recommendations for senior leadership.
Identify opportunities to automate reporting and analytical processes.
Provide specialized consulting, analytical, and technical support to Cards business partners.
Exercise judgment to identify, diagnose, and solve complex business problems using analytical approaches.
Work independently and manage multiple priorities in a fast-paced environment.
Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, making sound and risk-informed decisions aligned with business strategy and regulatory requirements.
Required Qualifications
Advanced Proficiency
Advanced TSYS expertise is requried, including hands-on experience with TSYS card processing platforms and TSYS Determinator strategy configuration, rules management, and decisioning frameworks.
Strong SQL programming and query optimization skills.
Extensive experience analyzing large transactional datasets.
Cards industry knowledge including credit card and debit card processing.
Data analysis, data wrangling, and data preparation.
Data visualization and business intelligence reporting.
Analytical and problem-solving skills.
Verbal and written communication skills.
Stakeholder management and influence skills.
Data-driven decision making.
Collaboration and team leadership skills.
Fraud analytics, card authorization analytics, or payment analytics experience.
Ability to present complex analytical findings to technical and non-technical audiences.
Intermediate Proficiency
Statistics and quantitative analysis.
Predictive modeling techniques.
Risk analytics and portfolio management.
Critical thinking and creative problem solving.
Business process analysis.
Performance measurement and strategy optimization.
Nice to Have
Experience with Dataiku for data analytics, workflow automation, and model development.
Experience developing dashboards in Power BI, Tableau, or similar visualization tools.
Strong Microsoft Power BI and SQL Server
Experience with Python, SAS, R, or other analytical programming languages.
Knowledge of Visa, Mastercard, 3-D Secure, Identity Check, SecureCode, and digital authentication technologies.
Experience in Card Fraud Strategy, Authorization Strategy, or Payments Risk Management.
Familiarity with machine learning and AI applications in fraud detection and customer analytics.
Experience & Education
Typically 5-7+ years of experience in Cards Analytics, Fraud Analytics, Payments Analytics, Risk Analytics, or a related field.
Advanced proficiency with TSYS card processing platforms, including hands-on experience leveraging TSYS Determinator strategies, rules, and decisioning frameworks to support fraud, authorization, and portfolio management initiatives.
Undergraduate degree in Statistics, Mathematics, Computer Science, Engineering, Economics, Finance, or a related quantitative discipline.
Equivalent combination of education and relevant experience will be considered.
Deep knowledge gained through extensive business experience in card payments, fraud management, and analytical environments.
Salary:
Pay Type:
The above represents BMO Financial Group’s pay range and type.
Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position.
BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards
About Us
At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.
As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset.
To find out more visit us at https://jobs.bmo.com/ca/en.
BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.
Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.