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Overnight Fraud Risk Management Jobs in Michigan

Zealcu

Risk Management Specialist

Livonia, MI · On-site

This role supports Bank Secrecy Act (BSA) compliance, fraud prevention and investigations, suspicious activity monitoring, and regulatory reporting. Role Overview As a Risk Management Specialist, you ...

People Driven Credit Union

BSA/Risk Manager

Southfield, MI · On-site

$71K - $89K/yr

Working independently, you'll lead the development, design, and implementation of proactive risk-management and fraud-prevention strategies that reduce financial, physical, reputational, and human ...

People Driven Credit Union

BSA/Risk Manager

Southfield, MI · On-site

$71K - $89K/yr

Working independently, you'll lead the development, design, and implementation of proactive risk-management and fraud-prevention strategies that reduce financial, physical, reputational, and human ...

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Overnight Fraud Risk Management information

What is overnight fraud risk management?

Overnight Fraud Risk Management jobs involve monitoring financial transactions and account activity during nighttime hours to detect and prevent fraudulent activities. Professionals in these roles use specialized software and investigative techniques to identify suspicious behavior, respond to alerts, and minimize financial losses. They often work for banks, credit card companies, or other financial institutions, ensuring that any potential threats are addressed swiftly, even outside of standard business hours. Strong analytical skills, attention to detail, and the ability to work independently are important for success in these positions.

What are the main challenges faced by professionals working in overnight fraud risk management, and how can they be addressed?

Professionals in Overnight Fraud Risk Management often face the challenge of quickly identifying and responding to suspicious activities during non-business hours when support from other departments may be limited. Staying alert and maintaining attention to detail is crucial, as fraudulent transactions can occur at any time. To address these challenges, team members rely on robust monitoring systems, clear escalation protocols, and regular communication with daytime teams to ensure seamless case handovers and continuous coverage. Building strong knowledge of fraud patterns and staying updated on emerging threats also helps in making informed decisions during overnight shifts.

What are the key skills and qualifications needed to thrive as an overnight fraud risk management specialist, and why are they important?

To thrive in Overnight Fraud Risk Management, you need strong analytical skills, attention to detail, and a background in finance, criminal justice, or a related field. Familiarity with fraud detection software, transaction monitoring systems, and sometimes certifications like Certified Fraud Examiner (CFE) are typically required. Excellent problem-solving abilities, effective communication, and the ability to stay focused during overnight shifts are valuable soft skills in this role. These competencies are crucial for quickly identifying and mitigating fraudulent activities to protect company assets outside regular business hours.

What is the difference between Overnight Fraud Risk Management vs Fraud Analyst?

AspectOvernight Fraud Risk ManagementFraud Analyst
Primary FocusMonitoring and managing fraud risks during overnight hoursAnalyzing and investigating fraud cases across all hours
Work EnvironmentNight shifts, often in security or risk departmentsDay or shift work in financial or banking institutions
Required CredentialsRisk management certifications, knowledge of fraud detection toolsFinancial or criminal justice background, analytical skills

Overnight Fraud Risk Management roles focus on monitoring fraud risks during night hours, often requiring specialized risk management knowledge. Fraud Analysts typically work during regular hours analyzing and investigating fraud cases. Both roles are essential in combating financial fraud but differ mainly in work hours and specific responsibilities.

What cities in Michigan are hiring for Overnight Fraud Risk Management jobs?

Cities in Michigan with the most Overnight Fraud Risk Management job openings:

Overnight Fraud Risk Management jobs near you

Enterprise Payment Fraud Strategist

Dearborn, MI • On-site

Carhartt
Apparel and Accessories Stores • 1 - 5K employees
Learn more about Carharttexternal

Full-time

Re-posted 10 days ago

Key responsibilities

  • Develop and own the enterprise fraud strategy for customer/consumer payment activity across all relevant sales channels.

  • Establish and maintain a risk-based fraud operating model, including fraud controls, detection rules, manual review processes, and performance measurement.

  • Assess fraud risk for new business initiatives, payment methods, and system changes, and define required controls prior to implementation.

Carhartt rating

8.2

Company rating: 8.2 out of 10

Based on 30 frontline employees who took The Breakroom Quiz

Job description

Position Details:
Title: Enterprise Payment Fraud Strategist
Department: Accounting/Finance
Reports to: Director, Treasury
Location: Dearborn
Job Classification: Hybrid
FLSA Status: Exempt
Job Band: Professional
Job Summary
The Enterprise Payment Fraud Strategist role is responsible for developing, implementing, and optimizing the organization's fraud prevention strategy across customer/consumer payment channels and global payment platforms. This role leads efforts to mitigate fraud losses while balancing customer/consumer experience, sales conversion, and operational efficiency. The position partners closely with internal stakeholders across Customer/consumer Service, Cyber Security, IT, Finance, eCommerce, Digital Product, Legal/Compliance, and Operations, as well as external payment processors, issuers, acquirers, fraud solution providers, and other payment ecosystem partners.
This role owns the fraud strategy framework for customer/consumer payments, including fraud controls, detection rules, manual review processes, chargeback mitigation, monitoring, loss reporting, and performance measurement. The Enterprise Payment Fraud Strategist role is also responsible for establishing key fraud metrics and KPIs, analyzing fraud trends, evaluating the total cost of fraud, and recommending strategies that reduce risk while supporting business growth.
Inspired by Hard Work
At Carhartt, the values of hard work-dependability, honesty, and trust-are rooted in the legacy of our founder, Hamilton Carhartt. His commitment to serving hardworking people continues to inspire everything we do. Guided by his legacy and our mission-We serve and protect all hardworking people by building durable products-we remain dedicated to upholding these principles in every decision we make and every product we create.
Associate Responsibilities
  • Develop and own the enterprise fraud strategy for customer/consumer payment activity across all relevant sales channels.
  • Establish the fraud strategy framework including risk-based decisioning principles, control philosophy, and performance objectives. Oversee the investigation and remediation of fraud incidents ensuring timely escalation to senior management and drive long-term resiliency strategies.
  • Establish and maintain a risk-based fraud operating model that balances fraud mitigation with customer/consumer experience, order approval rates, and revenue preservation.
  • Define fraud risk appetite, governance structure, and escalation protocols in partnership with leadership.
  • Own the external fraud ecosystem strategy, including selection and strategic oversight of payment processors, fraud tools, and partners.
  • Lead strategic partner discussions on fraud trends, authorization performance, and emerging risk mitigation approaches.
  • Serve as the enterprise subject matter expert for customer/consumer payment fraud and align stakeholders across business, technology, and risk functions.
  • Assess fraud risk for new business initiatives, payment methods, and system changes, and define required controls prior to implementation.
  • Define and oversee fraud performance measurement framework including KPIs, loss metrics, and value-based outcomes.
  • Analyze fraud trends, emerging threats, and macro patterns to drive strategic risk mitigation decisions.
  • Prepare executive-level insights and recommendations on fraud risk exposure, financial impact, and strategic priorities.
  • Ensure alignment of fraud strategy with regulatory expectations, payment network rules, and internal risk management standards.

Required Education
  • Bachelor's degree in Finance, Accounting, Business, Economics, Criminal Justice, Forensics, Information Systems, Cyber Security, or a related field.

Required Skills & Experience
  • 8-10 years of progressive experience in fraud risk management, payments risk, eCommerce fraud, chargeback/dispute management, or a related discipline.
  • Demonstrated experience developing or managing fraud strategies, controls, and performance metrics in a customer/consumer payments environment.
  • Experience partnering cross-functionally with business, technology, operations, and external third-party providers.
  • Strong analytical experience using fraud data, transaction trends, chargeback data, and operational metrics to drive decisions and recommendations.
  • Experience preparing reporting, dashboards, and executive-level presentations related to fraud performance and financial impact.
  • Experience in retail, eCommerce, omnichannel, consumer payments, or card-not-present environments.
  • Strong cross-functional leadership and stakeholder management skills.
  • Strong organizational skills and ability to manage multiple priorities simultaneously.

Preferred Skills & Experience
  • Certified Fraud Examiner (CFE) - strong credential for fraud risk, investigations, and fraud program knowledge.
  • Accredited Payments Risk Professional (APRP) - valuable for payment risk and payments ecosystem knowledge.

Physical Requirements and Working Conditions
  • Normal office environment; cubicle/office setting. Extended periods of time sitting, standing, typing on a computer is required.
  • This position has a Hybrid location: Associate will work on-site regularly as needed for work activities.
  • Carhartt is a tobacco free workplace.

#LI-HYRBID
We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, ethnicity, disability, religion, national origin, gender, gender identity, gender expression, marital status, sexual orientation, age, protected veteran status, or any other characteristic protected by law.
All associates are required to understand and act in accordance with the Carhartt Core Values. Carhartt reserves the right to change, modify, suspend, interpret or cancel in whole or in any part, the job duties outlined above at any time and without advance notice to the employee.

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