**Your opportunity** At Schwab, you’re empowered to make an impact on your career. Here, innovative thought meets creative problem solving, helping us “challenge the status quo” and transform the finance industry together. **Group Overview** The Transaction Risk Oversight and Monitoring (TROM) is a department within the Financial Crimes Risk Management Enterprise. Our charter is to protect our clients’ and the firm’s assets by assisting in prevention and mitigation of fraud and scam losses. TROM is responsible for overseeing 1LOD strategies which interdict fraud perpetrated by criminals in our Move-Money products and accounts – Wires, ACH, New Accounts, Visa transactions, Bank Bill Pay, Journals and other Schwab products. Additionally, TROM performs risk policy gap and risk strategy gap analysis and focuses on firmwide scam impacts. The team is responsible for effectively challenging new strategies developed by our internal 1LOD partners, analyzing current fraud trends, and assuring that overall strategies are working as intended. The team also works closely with our model product owners, Schwab Model Risk Oversight organization, Internal Audit teams, and our business stakeholders and in Banking and Brokerage operations to assess risk in areas impacting fraud losses, scams, and adverse client experience. **Responsibilities** The ideal candidate will help drive the success of the 2LOD Risk Oversight Program, while focusing mainly on scams, and impact of scams to our clients and the firm, while providing oversight support to the rest of the team. Senior Manager, an individual contributor role, will work closely with peers and business partners to identify risks and target illicit behaviors, use data to quantify scam trends, losses, behaviors, gaps in policies and procedures, and support effective and efficient management of scam scenarios in the Wires, Journal, ACH, Visa, Check, and New Account product spaces. This position requires a candidate to be a self-starter and someone with strong analytical, technical, and communication skills as well as someone who is highly reciprocal. **Key Responsibilities include but are not limited to:** + Analyze and perform a deep-dive analysis into behavior of scams + Expand knowledge of red flags, emerging risks, and analytical methodologies used to target various payment channel with respect to scams + Partner with technical and non-technical resources across the business to leverage their support and to deliver valuable solutions + Pro-actively analyze scam data to uncover insights that increase business value and recommend additional solutions not considered by the business partners + Work independently and collaboratively throughout the analytics lifecycle including data extraction/preparation, analysis, and documentation of results + Leverage tools and analytical applications such as SQL, Python, R, and SAS daily + Suggest enhancements to scam strategies (rules) to effectively target risky behaviors + Monitor strategies performance and perform impact analyses on recommended changes + Create effective presentations and communicate analysis approach, methodologies, summary of findings, and recommendations to business partners + Approach analytical problems with a blend of statistical/mathematical rigor and practical business intuition + Provide support to team members through training and mentorship **Key Factors for Success in This Role** + Organizational skills: self-starter with ability to anticipate, improvise, and adapt for efficient resolutions. Consistently manage workloads effectively. Ability to marshal resources to get things done. Can orchestrate multiple activities at once to accomplish a goal. Use resources effectively and efficiently. Arrange information and files in a useful manner. Ensure that all follow-up responsibilities are completed timely and with limited direct supervision. + Quality: ability to problem solve with results-oriented style delivering good quality and timeliness. Demonstrated skills in the areas of critical thinking and judgment as they relate to assessing and mitigating risk to our clients and the firm. + Communication skills: work effectively across functions, maintain composure in stressful situations, and diffuse tense situations comfortably. + Client Focus: dedicated to meeting the expectations and requirements of internal and external clients. Act with the client in mind. Build and maintain efficient relationships with clients and gain their trust and respect. **What you have** To ensure that we fulfill our promise of “challenging the status quo,” this role has specific qualifications that successful candidates should have. **Required Qualifications** + Bachelor’s degree in Statistics, Mathematics, Economics, Business Analytics, Operations Research, or similar quantitative field + 5+ years’ experience in analytical roles developing intermediate/advanced SQL queries and gathering data from transactional databases across multiple platforms + Proven ability to leverage PowerPoint and other MS Office Applications to effectively present findings + Highly analytical with ability to solve problems and successfully understand and articulate the linkage between business decisions, business objectives, and analytical approaches & findings + Strong programming skills leveraging analytical tools such as SAS, R or Python + Advanced ability to evaluate large quantities of data, summarize key findings and recommend a course of action to management + Strong interpersonal skills to successfully build long-term relationships with colleagues and business partners + Highly effective verbal and written communication + Understanding of risk-based decision strategy development and decision engines + Demonstrable knowledge of the risk management framework, and experience with second-line of defense oversight, monitoring, and assurance activities + Strong understanding of scams **Preferred Qualifications** + Advanced quantitative degree + Financial Crimes experience + Financial services experience + Practical experience using statistical techniques, optimization methods, predictive and descriptive models to help solve sophisticated business problems + Oversight experience in Fraud and Risk Management space **What’s in it for you** At Schwab, we’re committed to empowering our employees’ personal and professional success. Our purpose-driven, supportive culture, and focus on your development means you’ll get the tools you need to make a positive difference in the finance industry. Our Hybrid Work and Flexibility approach balances our ongoing commitment to workplace flexibility, serving our clients, and our strong belief in the value of being together in person on a regular basis. We offer a competitive benefits package that takes care of the whole you – both today and in the future: + 401(k) with company match and Employee stock purchase plan + Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions + Paid parental leave and family building benefits + Tuition reimbursement + Health, dental, and vision insurance What’s in it for you: At Schwab, we’re committed to empowering our employees’ personal and professional success. Our purpose-driven, supportive culture, and focus on your development means you’ll get the tools you need to make a positive difference in the finance industry. Our Hybrid Work and Flexibility approach balances our ongoing commitment to workplace flexibility, serving our clients, and our strong belief in the value of being together in person on a regular basis. We offer a competitive benefits package that takes care of the whole you – both today and in the future: 401(k) with company match and Employee stock purchase plan Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions Paid parental leave and family building benefits Tuition reimbursement Health, dental, and vision insurance Schwab is an affirmative action employer, focused on employing and advancing in employment, qualified women, racial and ethnic minorities, protected veterans, and individuals with disabilities in the workplace. If you have a disability and require reasonable accommodations in the application process, contact Human Resources at applicantaccessibility@schwab.com or call 800-275-1281.