Engagement Manager - Fraud Strategy

Job Location: Jersey City, NJWork Mode: Hybrid (Minimum 3 days/week in office)Salary Range: $140K - $200K/Year Base plus Annual BonusFor more information on benefits and what we offer please visit us at https://www.exlservice.com/us-careers-and-benefitsWe are looking for 8+ years experienced Debit Card Fraud Strategy professionals to support a US-based client. The role involves end-to-end ownership of fraud monitoring, strategy development, performance management and loss optimization across debit card transactions, with a strong focus on real-time decisioning and post-authorization fraud controls.Required Domain Experience:8+ years of hands-on experience in Debit Card Fraud Strategy or Fraud AnalyticsStrong understanding of US retail banking fraud landscapeExperience with authorization and post-authorization fraud strategiesFraud Strategy & Risk Management:Design, optimize, and monitor debit card fraud strategies across:Card-present (CP) and card-not-present (CNP) transactionsATM fraud, POS fraud, e-commerce fraud, and account takeover-linked debit activityDevelop and fine-tune rules-based and score-based strategies to balance fraud losses, false positives, and customer experienceDrive fraud loss reduction initiatives while maintaining approval and customer satisfaction KPIsPerform root-cause analysis on fraud spikes, emerging attack patterns, and vendor performance issuesIdentify emerging fraud trends such as BIN attacks, merchant breaches, synthetic identity-linked debit misuse, etc.Technical & Analytical Skills:Strong proficiency in MS ExcelStrong proficiency in SQL for large-scale data extractionHands-on experience with Python for analytics