Job Description

We made history and now we work to transform the future – for our customers, our communities and our families. You'll see your work on the road every day, helping people move freely and pursue their dreams. At Ford, you can build more than vehicles. Come build what matters.

The Ford Motor Credit Company team helps put people behind the wheels of great Ford and Lincoln vehicles. By partnering with dealerships, we provide financing, personalized service and professional expertise to thousands of dealers and millions of customers in over one hundred countries around the world.

In this position...

The Deposit Operations team at Ford Credit Bank is a critical "First Line of Defense" group dedicated to maintaining the integrity and stability of our de novo operations. Our team ensures that the Bank’s growth is supported by a robust control environment, precise procedural documentation, and insightful data analytics. We value proactive risk management, technical accuracy, and continuous improvement. We work hand-in-hand with the broader Risk and Compliance teams to identify potential gaps, automate oversight, and ensure that our processes are both efficient and fully compliant with evolving regulatory standards.

About Ford

Ford Credit Bank (the “Bank”), a de novo Utah industrial bank headquartered in Salt Lake City, Utah, will create innovative and simplified banking solutions to help customers across the country finance the purchase of new Ford vehicles, parts, accessories, and software and earn competitive rates on FDIC-insured savings accounts and certificates of deposit. The Bank will be a direct and wholly owned subsidiary of Ford Motor Credit Company (“Ford Credit”), an indirect wholly owned subsidiary of Ford Motor Company (“Ford”). The Bank is designed to be a leading financial institution committed to upholding the highest standards of integrity, ethics, and regulatory compliance. We serve our customers with a wide range of financial products and services, driven by a culture of trust and excellence.

The people of Ford Motor Credit Company have a 60-year commitment to helping put people behind the wheels of great Ford and Lincoln vehicles. By partnering with dealerships, we provide financing, personalized service, and professional expertise to five thousand dealers and more than four million customers in over 100 countries around the world. If you’re customer-focused, driven and seeking the opportunity to experience exciting challenges and growth, look no further.

Come help build a better world, where every person is free to move and pursue their dreams. Ford Motor Company was built on the belief that freedom of movement drives human progress. It’s a belief that has fueled our passion to create great cars and trucks. And today, it drives our commitment to become the world’s most trusted mobility company, designing vehicles for a smart world that helps people move more safely, confidently, and freely. Ford is experiencing significant business transformation in an ever-changing digital world. We are dedicated to delivering distinctive products and solutions, having an “always on” relationship with customers and continuously improving our user experience.

The Team

The Deposit Operations team at Ford Credit Bank is a critical "First Line of Defense" group dedicated to maintaining the integrity and stability of our de novo operations. Our team ensures that the Bank’s growth is supported by a robust control environment, precise procedural documentation, and insightful data analytics. We value proactive risk management, technical accuracy, and continuous improvement. We work hand-in-hand with the broader Risk and Compliance teams to identify potential gaps, automate oversight, and ensure that our processes are both efficient and fully compliant with evolving regulatory standards.

The Position

The Fraud Manager reports directly to the Director of Deposits and plays a critical leadership role in executing the operational and detection strategy for the bank's fraud prevention program. This position is responsible for the day-to-day management of fraud detections, including confirming fraud types, customer remediation, and the recovery of funds. The Manager will lead a team of analysts to mitigate fraud risk and losses across account onboarding and payment rails, ensuring service level adherence and positive customer experience. This role involves close collaboration with Operations, Technology, Risk, and Compliance teams to develop controls that protect the Bank’s de novo operations.

What you'll do...

• Develop and implement fraud detection rules and analytical strategies to mitigate risk.
• Own the development, implementation, and ongoing execution of periodic digital fraud risk assessments to ensure appropriate controls environment.
• Manage day-to-day fraud detection functions, including transaction monitoring for ACH, wires, and checks.
• Spearhead bank-to-bank interactions and recovery efforts for fraudulent events.
• Oversee customer and account remediation processes, ensuring a balance between risk mitigation and a seamless user experience.
• Manage operational responsibilities including SLAs, productivity targets, and escalation protocols.
• Lead, mentor, and develop a team of fraud analysts and specialists.
• Drive excellent decision quality across the team to meet Quality Assurance (QA) targets and regulatory standards.
• Identify training needs and foster a high-performance culture focused on vigilance and continuous learning.
• Ensure all fraud processes strictly comply with banking laws and regulations, including, but not limited to, Reg E, UCC4, KYC/CIP/EDD/Patriot Act, FCRA, and NACHA rules.
• Maintain strong awareness and understanding of emerging technology trends, and their applications to fraud prevention, detection, and response.
• Implement and enforce strong operational controls to support existing and new products.
• Support internal and external audits, working collaboratively with stakeholders to address findings and enhance the control environment.
• Identify improvement opportunities and drive automation to maximize operational efficiency.
• Develop and maintain dashboards and control reports to support business management and identify emerging fraud trends.
• Collaborate with Deposit Operations and AML/BSA teams to implement innovative identity verification and real-time decisioning tools.
• Work closely with IT, Risk, Compliance, and Customer Service to resolve operational issues and support bank-wide initiatives.
• Serve as a subject matter expert for fraud risk during new product launches or system upgrades.

You'll have...

• Bachelor’s degree in Business Administration, Finance, Criminal Justice, or a related field.
• Minimum of 7 years of progressive experience in banking operations or fraud risk management, with at least 3-5 years in a leadership role.
• Deep understanding of Reg E, NACHA rules, and ACH payment rails best practices.
• Strong decision-making, analytical, and investigative abilities with a data-driven approach to problem-solving.
• Ability to effectively present information and manage executive-level communications.

Even better, you may have...

• Experience leading other leaders (managing supervisors or team leads).
• Professional certifications such as Certified Fraud Examiner (CFE) or Certified Anti-Money Laundering Specialist (CAMS).
• Experience building and scaling fraud platforms in a de novo, fintech, or high-velocity digital banking environment.
• Superior project and process management skills with a focus on developing creative, automated solutions.
• Familiarity with identity verification (IDV) and transaction monitoring technology implementations.

You may not check every box, or your experience may look a little different from what we've outlined, but if you think you can bring value to Ford Motor Company, we encourage you to apply!

As an established global company, we offer the benefit of choice. You can choose what your Ford future will look like: will your story span the globe, or keep you close to home? Will your career be a deep dive into what you love, or a series of new teams and new skills? Will you be a leader, a changemaker, a technical expert, a culture builder…or all of the above? No matter what you choose, we offer a work life that works for you, including:

• Immediate medical, dental, vision and prescription drug coverage

• Flexible family care days, paid parental leave, new parent ramp-up programs, subsidized back-up child care and more

• Family building benefits including adoption and surrogacy expense reimbursement, fertility treatments, and more

• Vehicle discount program for employees and family members and management leases

• Tuition assistance

• Established and active employee resource groups

• Paid time off for individual and team community service

• A generous schedule of paid holidays, including the week between Christmas and New Year’s Day

• Paid time off and the option to purchase additional vacation time.

This position is leadership level 6 and ranges from $115,500-$218,100.

Final determination of salary grade will be based on candidate's skills and experience, and base salary will be set within the applicable range according to job scope, responsibility and competitive market value.

For more information on salary and benefits, click here: https://fordcareers.co/LL6

Visa sponsorship is not available for this position.

*Register for our Ford Credit Bank talent community today to be considered for current and future banking opportunities*

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Candidates for positions with Ford Motor Company must be legally authorized to work in the United States. Verification of employment eligibility will be required at the time of hire.

We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, age, sex, national origin, sexual orientation, gender identity, disability status or protected veteran status. In the United States, if you need a reasonable accommodation for the online application process due to a disability, please call 1-888-336-0660.

This position is hybrid. Candidates who are in commuting distance to a Ford hub location may be required to be onsite four or more days per week. #LI-Hybrid#LI-FordCredit#LI-MN1