VP, Portfolio Fraud Manager

Job Description :

Role Summary / Purpose :

The VP, Portfolio Fraud Manager role is responsible for driving analytic insights and fraud initiatives for the full suite of the Lowe's credit products. This role will work cross functionally to help identify, understand and design innovative fraud strategies to drive the success of the business. The role reports to the Portfolio Credit Leader for Lowe's and interacts with senior leadership to communicate results, initiatives, and process items across the organization. This role will entail project management and collaboration specifically with IT teams and Lowe's to drive change and controls within credit and across the client infrastructure and buying platforms. The candidate will handle escalations while identifying areas of opportunities. The role’s main objective is to minimize fraud losses while optimizing strategies for a better customer experience across the entire lifecycle from acquisition to transactional and payments fraud.

Our Way of Working :

We’re proud to offer you choice and flexibility. At Synchrony, our way of working allows you to have the option to work from home near one of our Hubs or come into one of our offices. Occasionally you may be required to commute to our nearest office for in‑person engagement activities such as business or team meetings, training and culture events.

Essential Responsibilities :

• Work with Lowe’s and Synchrony cross‑functional fraud teams to optimize strategy & policies to help mitigate fraud risk for both parties while finding opportunities to grow the portfolio.
• Help develop & optimize fraud strategies for Lowe’s consumer & commercial portfolios, in collaboration with Synchrony fraud strategy and infrastructure organizations.
• Partner with strategy to provide deep analytics to drive advanced targeting strategies.
• Prepare and present client‑facing and leadership team presentations to facilitate informed decisions.
• Collaborate with Lowe’s asset protection teams to share emerging risks and trends across both companies and provide insight on how to solve them.
• Work closely with Lowe’s on new platform launches and / or changes to their existing processes to limit / address emerging new risk or prevent unwanted gaps.
• Oversee fraud chargebacks and ensure procedural guidance is being upheld.
• Execute, monitor, and drive process improvement of existing fraud strategies for all Lowe’s products.
• Be a leader in driving enhanced strategies, using champion / challenger leanings to manage fraud risk.
• Provide clear guidance to the organization on risk appetite and prudent growth.
• Maintain and develop reporting and ad‑hoc analytics with SAS, Tableau and other data tools to draw conclusions and drive recommendations.
• Engage with cross‑functional fraud leaders to identify industry trends, new scores to leverage, and evolving protection to offer Lowe’s.
• Drive and influence across leadership levels regarding initiatives and results, and participate in strategizing with portfolio credit teams.
• Perform ad hoc analytics, insights, validations, and remediations.
• Build for the future by understanding industry, economic, and business needs.
• Maintain a challenging perspective on critical decisions and business processes.
• Perform other duties and / or special projects as assigned.

Qualifications / Requirements :

Desired Characteristics :

Grade / Level : 12

The salary range for this position is 135,000.00 - 230,000.00 USD annually and is eligible for an annual bonus based on individual and company performance.

Actual compensation offered within the posted salary range will be based upon work experience, skill level, or knowledge.

Salaries are adjusted according to market in CA, NY Metro, and Seattle.

Eligibility Requirements :

Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.

Our Commitment :

When you join us, you’ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard, but valued. Together, we’re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow.

Reasonable Accommodation Notice :

Job Family Group : Credit

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