Fraud Manager, Ford Credit Risk Management Organization

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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.

The Fraud Manager is a high-impact, leadership position within Ford Credit's Risk Management Organization. It requires a blend of fraud expertise, strong leadership, organization skills, sound analytical abilities and excellent communication skills. The person in this role will be responsible for leading all fraud identification and mitigation efforts within Ford Credit's Risk Management Organization.

The Fraud Manager is a high-impact, leadership position within Ford Credit's Risk Management Organization. It requires a blend of fraud expertise, strong leadership, organization skills, sound analytical abilities and excellent communication skills. The person in this role will be responsible for leading all fraud identification and mitigation efforts within Ford Credit's Risk Management Organization.

What you'll do...

• Lead, mentor, and develop a small, high-performing team of fraud analysts/investigators, fostering a culture of accountability, integrity, and continuous improvement.
• Oversee the end-to-end investigation of suspected fraudulent loan/lease applications, dealer transactions, and account activity, including origination, funding, and servicing fraud (e.g., identity theft, synthetic identity, straw purchases, income/employment misrepresentation, title/collateral fraud, and first-party fraud).
• Develop, implement, and continuously refine fraud detection strategies, scorecards, and rules in partnership with Risk, Credit, Originations, and Technology teams to minimize losses while preserving a positive dealer and customer experience.
• Monitor fraud trends, emerging schemes, and industry intelligence; proactively adjust detection models and team procedures to stay ahead of evolving fraud tactics.
• Partner with Underwriting, Funding, Collections, Legal, and Compliance to escalate, resolve, and remediate confirmed fraud cases, including referrals to law enforcement and regulatory reporting (e.g., SARs) where required.
• Prepare and present regular reporting to senior leadership on fraud trends, loss metrics, case outcomes, and the effectiveness of fraud prevention controls.
• Manage relationships with third-party fraud detection vendors and tools, evaluating new technologies and analytics platforms to improve detection accuracy and reduce false positives.
• Ensure procedural compliance across fraud operations to support successful outcomes on internal and external (regulatory) audits.
• Establish and maintain case management protocols, ensuring investigations are thorough, well-documented, and completed within service level expectations.
• Support dealer-facing fraud awareness and training efforts and serve as a subject matter expert/point of escalation for complex or high-dollar fraud cases.
• Ensure all PII and confidential company/customer information is handled and secured in accordance with company policy and applicable law.
• Operate within headcount, staffing, and budget guidelines while managing team workload and productivity.

What you'll do...

• Lead, mentor, and develop a small, high-performing team of fraud analysts/investigators, fostering a culture of accountability, integrity, and continuous improvement.
• Oversee the end-to-end investigation of suspected fraudulent loan/lease applications, dealer transactions, and account activity, including origination, funding, and servicing fraud (e.g., identity theft, synthetic identity, straw purchases, income/employment misrepresentation, title/collateral fraud, and first-party fraud).
• Develop, implement, and continuously refine fraud detection strategies, scorecards, and rules in partnership with Risk, Credit, Originations, and Technology teams to minimize losses while preserving a positive dealer and customer experience.
• Monitor fraud trends, emerging schemes, and industry intelligence; proactively adjust detection models and team procedures to stay ahead of evolving fraud tactics.
• Partner with Underwriting, Funding, Collections, Legal, and Compliance to escalate, resolve, and remediate confirmed fraud cases, including referrals to law enforcement and regulatory reporting (e.g., SARs) where required.
• Prepare and present regular reporting to senior leadership on fraud trends, loss metrics, case outcomes, and the effectiveness of fraud prevention controls.
• Manage relationships with third-party fraud detection vendors and tools, evaluating new technologies and analytics platforms to improve detection accuracy and reduce false positives.
• Ensure procedural compliance across fraud operations to support successful outcomes on internal and external (regulatory) audits.
• Establish and maintain case management protocols, ensuring investigations are thorough, well-documented, and completed within service level expectations.
• Support dealer-facing fraud awareness and training efforts and serve as a subject matter expert/point of escalation for complex or high-dollar fraud cases.
• Ensure all PII and confidential company/customer information is handled and secured in accordance with company policy and applicable law.
• Operate within headcount, staffing, and budget guidelines while managing team workload and productivity.