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Why Join Q2?

Q2 is a leading provider of digital banking and lending solutions to banks, credit unions, alternative finance companies, and fintechs in the U.S. and internationally. Our mission is simple: build strong and diverse communities through innovative financial technology-and we do that by empowering our people to help create success for our customers.

What Makes Q2 Special?

SUMMARY

The Principal Fraud Response & Governance role is a senior individual contributor responsible for leading complex fraud investigations, driving fraud incident response, and establishing governance practices that strengthen the organization's fraud risk management capabilities. This role serves as a strategic partner across the business, providing expertise in fraud investigations, intelligence, risk identification, and remediation management.

As the Principal of the team, you will be accountable for coordinating responses to high-impact fraud events, supporting investigations through data analysis and fraud intelligence, identifying systemic control and process vulnerabilities, and driving cross-functional efforts to remediate fraud-related risks. This role plays a critical part in transforming investigation findings into actionable business improvements that reduce exposure and enhance organizational resilience.

You will work closely with Customer Support, Product, Security, Engineering, Data Analysts, Risk, Compliance, Legal, and Executive Leadership teams. You will ensure effective management of fraud incidents from detection through resolution while promoting accountability, transparency, and continuous improvement.

This position requires exceptional strategic thinking, investigative expertise, analytical capabilities, and influence skills. The Principal role combines deep fraud domain knowledge with strong program management and governance experience to drive fraud risk reduction initiatives and mature the organization's fraud response framework.

RESPONSIBILITIES:

• Lead complex, high-profile fraud investigations and provide guidance on emerging fraud threats, trends, and schemes.
• Serve as the central coordinator for significant fraud incidents, ensuring effective stakeholder engagement, timely communication, escalation, and resolution.
• Support investigations through data collection, analysis, intelligence development, and root cause identification.
• Conduct post-incident reviews to identify systemic process, control, technology, and operational vulnerabilities.
• Drive remediation efforts by partnering with business, technology, and risk teams to address identified fraud risk gaps.
• Develop and maintain a fraud response and governance framework, including reporting and oversight mechanisms.
• Provide strategic fraud risk advisory services to cross-functional teams, including Product, Engineering, Compliance, Legal, and Customer Support.
• Establish and monitor key fraud risk indicators, metrics, dashboards, issue tracking and executive reporting to support informed decision-making.
• Facilitate governance forums, executive reviews, and remediation tracking to ensure accountability for fraud risk reduction activities.
• Identify opportunities for process optimization, control enhancements, automation, and operational improvements.
• Promote lessons learned and best practices from investigations and incidents to strengthen enterprise fraud prevention and detection capabilities.
• Influence senior stakeholders and business leaders to prioritize fraud risk mitigation and governance initiatives.
• Lead or participate on fraud calls to respond to incidents occurring outside business hours if/when needed.

EXPERIENCE AND KNOWLEDGE:

• Typically requires a Bachelor's degree in Business, Finance, Criminal Justice, Risk Management, Information Security, Data Analytics, or a related field and a minimum of 15 years of experience; or an advanced degree with 12 years of experience; or equivalent relevant work experience

• Expertise in managing complex, high-impact fraud cases across multiple typologies - account takeover (ATO), business email compromise (BEC), wire and ACH fraud, check fraud, Zelle/P2P andauthorized-push-paymentscams, synthetic identity, first-party fraud, card-not-present fraud, and elder financial exploitation

• Deep working knowledge of fraud detection and case management tooling - transaction monitoring, behavioral analytics, device and identity intelligence, link analysis, and orchestration platforms

• Experience with enterprise fraud platforms and adjacent tooling (e.g., NICE Actimize, SAS Fraud Management, FICO Falcon,Featurespace, Pega, FIS Memento, LexisNexis,Socure,ThreatMetrix) and with consuming fraud threat intelligence feeds
• Strong knowledge of regulatory and compliance frameworks relevant to fraud and consumer protection (e.g., Reg E, Reg CC, BSA/AML, FinCEN reporting/SARs, UDAAP, FFIEC guidance, GLBA, NACHA rules, PCI-DSS, state breach notification laws)

• 5+ years leading large-scale fraud programs in banking, governance initiatives, complex cross-functional projects, and change management.
• Demonstrated experience managing enterprise-level fraud incidents and remediation efforts.
• Experience developing fraud governance frameworks, policies, and oversight programs.
• Proven ability to influence senior leaders and drive accountability without direct authority.
• Strong presentation skills to executive leadership and governance committees.
• Experience working with Product, Technology, Risk, Legal, Compliance, and Security organizations.

• Experience building fraud intelligence, analytics, or investigative support functions from inception.
• Recognized industry certifications preferred: CFE (Certified Fraud Examiner), CAMS (Certified Anti-Money Laundering Specialist), CFCS (Certified Financial Crime Specialist), ACFCI, or similar

This position requires fluent written and oral communication in English.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.

Health & Wellness

• Hybrid Work Opportunities

• Flexible Time Off

• Career Development & Mentoring Programs

• Health & Wellness Benefits, including competitive health insurance offerings and generous paid parental leave for eligible new parents

• Community Volunteering & Company Philanthropy Programs

• Employee Peer Recognition Programs - "You Earned it"

Click here to find out more about the benefits we offer.

Our Culture & Commitment:

We're proud to foster a supportive, inclusive environment where career growth, collaboration, and wellness are prioritized. And our benefits go beyond healthcare-offering resources for physical, mental, and professional well-being. Click here to find out more about the benefits we offer. Q2 employees are encouraged to give back through volunteer work and nonprofit support through our Spark Program (see more). We believe in making an impact-in the industry and in the community.

We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, genetic information, or veteran status.

Applicants in California or Washington State may not be exempt from federal and state overtime requirements