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Company Overview:

Old Glory Bank is an FDIC-insured bank that offers the best mobile banking solutions for consumers and businesses, from sea to shining sea (in all 50 states). Old Glory Bank is committed to serving those who feel marginalized for believing in the greatness of America. Old Glory Bank was co-founded by some of the leading voices supporting freedom and love of country, including former Secretary of Housing and Urban Development Dr. Ben Carson; Radio and Television Host Larry Elder; country music superstar, TV host, entrepreneur, and songwriter, John Rich; and former two-term Governor of Oklahoma Mary Fallin-Christensen.

We put our customers, community, family, and faith ahead of ourselves. While our home base is our 120-year-old bank in Elmore City, Oklahoma, our team members work to serve our customers remotely from across the country. At Old Glory Bank, there is no DEI or ESG, just PSL – Privacy, Security, Liberty. In less than 3 years, we grew from $10 million in deposits to now $250 million.

We recently announced that we will be become a public company, listed on NASDAQ via De-SPAC transactions, and we intend to be the first chartered bank to fully integrate crypto into daily banking.

Position Summary

The Vice President of Fraud & Disputes is responsible for leading the strategy, operations, and risk management functions related to fraud prevention, fraud detection, investigations, and dispute resolution across digital banking channels. This executive leader will oversee fraud controls across online banking, mobile banking, digital payments, ACH, wire transfers, P2P payments, debit cards, and emerging digital products, while ensuring regulatory compliance and an exceptional customer experience. You must have experience working for a regional or national multi-state bank with complex fraud and operational risk environments to be considered for this position. 

Ideal Candidate Profile

The successful candidate will be a hands-on executive and recognized thought leader in fraud risk management, digital banking fraud prevention, and dispute operations. This individual will bring deep experience from a multi-state financial institution with a significant digital banking presence and a mature online account onboarding platform.

Candidates who have led fraud and dispute functions during periods of rapid digital growth, online account acquisition expansion, or digital transformation initiatives will be particularly attractive. Experience implementing or enhancing fraud controls within a high-volume online onboarding environment is highly desirable.

Key Responsibilities

Fraud Strategy & Leadership

• Develop and execute the enterprise digital fraud prevention and dispute management strategy.
• Establish fraud risk appetite, policies, and operational controls aligned with organizational objectives.
• Lead fraud operations, investigations, dispute processing, and fraud analytics teams.
• Provide executive reporting on fraud trends, losses, emerging threats, and operational performance.

Digital Banking Fraud Management

• Oversee fraud prevention and detection programs for:
• Online banking
• Mobile banking
• Account opening
• Account takeover (ATO)
• Identity theft
• ACH transactions
• Wire transfers
• Debit card transactions
• Peer-to-peer (P2P) payments
• Real-time payments
• Monitor emerging fraud schemes and implement proactive mitigation strategies.
• Drive continuous improvement of authentication, identity verification, and transaction monitoring controls.

Disputes & Claims Operations

• Lead end-to-end customer dispute and fraud claim resolution processes.
• Ensure timely and accurate handling of fraud claims and transaction disputes.
• Improve customer experience while balancing fraud risk and regulatory requirements.
• Monitor dispute trends to identify control weaknesses and fraud vulnerabilities.

Technology & Analytics

• Partner with technology and digital banking teams to enhance fraud detection capabilities.
• Leverage artificial intelligence, machine learning, behavioral analytics, and device intelligence tools.
• Implement and optimize fraud monitoring systems, case management platforms, and decision engines.
• Utilize data analytics to reduce fraud losses and false-positive rates.

Regulatory Compliance & Risk Management

• Ensure compliance with applicable consumer protection regulations and banking requirements.
• Maintain effective fraud governance, controls, policies, and procedures.
• Support regulatory examinations, audits, and risk assessments.
• Coordinate with Compliance, Legal, Information Security, and Enterprise Risk teams.

Cybersecurity Collaboration

• Partner closely with Information Security and Cybersecurity teams to address:
• Credential theft
• Phishing attacks
• Malware threats
• Social engineering scams
• Digital account compromise
• Develop coordinated response plans for fraud and cyber incidents.

Vendor & Third-Party Management

• Manage relationships with fraud technology vendors and service providers.
• Evaluate emerging fraud prevention solutions and technologies.
• Oversee vendor performance, contract management, and service-level agreements.

Leadership & Talent Development

• Build and lead high-performing fraud and disputes teams.
• Develop succession plans and employee development programs.
• Foster a culture of innovation, accountability, and customer focus.

Qualifications

Education

• Bachelor's degree in Business, Finance, Risk Management, Information Systems, Criminal Justice, or related field.
• MBA or advanced degree preferred.

Technical Knowledge

• Online and mobile banking fraud prevention
• Account takeover prevention
• Digital identity verification
• ACH, wire, card, and P2P payment fraud
• Fraud analytics and machine learning models
• Regulatory compliance and consumer protection requirements
• Case management and fraud detection systems

Preferred Background

• 12+ years of progressive leadership experience in fraud, disputes, financial crimes, risk management, or banking operations.
• Advanced certifications in anti-fraud, cyber, and compliance a plus including but not limited to CFCS, CFCI, CAMS, CFE, AAP, CPRP, CIFA, CRCM, CISA, or CFF.
• Experience working for a regional or national multi-state bank with complex fraud and operational risk environments.
• Demonstrated expertise supporting robust digital account opening and online onboarding programs, including identity verification, fraud screening, account funding controls, and account takeover prevention.
• Strong understanding of fraud risks associated with digital banking, mobile banking, ACH, wire transfers, debit cards, P2P payments, and emerging payment channels.
• Direct experience managing or significantly influencing dispute operations, chargebacks, fraud claims, and customer reimbursement processes.
• Preference for candidates from institutions that maintain in-house dispute management functions rather than fully outsourced models.
• Proven ability to balance fraud loss mitigation, regulatory compliance, operational efficiency, and customer experience.

Leadership Characteristics

• Strategic thinker who is equally comfortable operating at an executive level and engaging in day-to-day problem solving.
• Recognized industry leader who stays current on emerging fraud trends, technologies, and regulatory developments.
• Strong collaborator with experience partnering across Risk, Operations, Digital Banking, Compliance, Information Security, Product, and Customer Experience teams.
• Data-driven decision maker with a track record of using analytics and technology to improve fraud detection and operational effectiveness.
• Effective communicator capable of presenting fraud risk strategies and performance metrics to executive leadership, regulators, and boards of directors.
• Builder of high-performing teams with a focus on accountability, innovation, and continuous improvement.

Key Differentiators

• Multi-state banking experience.
• Significant online account opening/onboarding expertise.
• Deep involvement in dispute management and fraud claims operations.
• Proven fraud leadership in a digitally focused banking environment.
• Industry reputation as a subject matter expert and thought leader.
• Willingness to be both strategic and operational ("roll-up-your-sleeves" leadership style).

Working Conditions:

• Remote-friendly position with occasional travel to company offices or regulatory meetings as required.
• Extended hours may be necessary during regulatory examinations, audits, or security incidents.

Benefits:

• Medical
• Dental
• Vision
• Health Savings Account
• Flexible Spending Account
• Dependent Care Assistance Program (DCAP)
• Employer Paid Short-Term Disability
• Supplemental Health Plans for Long-Term Disability, Life, Accident & Cancer
• Employer Paid Life Insurance
• Stock Options
• 401(k) Plan
• Paid Time Off

The above information is intended to describe the general nature and level of work performed by an employee in this position. These statements are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of employees in this position.

Nothing in this job posting restricts management’s right to assign or reassign job duties as required. This job description is not to be construed as a guaranteed contract of employment for a definite period.

Old Glory Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.