Principal Engineer / Architect — Fraud Prevention Technology
Hybird - Malvern, PA
**| Fraud Prevention Technology**
Senior technical individual contributor responsible for defining and delivering Client's next-generation fraud prevention platform. You will architect solutions that protect emerging product lines—including debit card and payments offerings—from Client fraud vectors, while remaining hands-on in code and system design.
Responsibilities
- Define the technical vision and multi-year roadmap for fraud prevention systems across new and existing product lines
- Design and build real-time detection, decisioning, and response systems scaled to Vanguard's transaction volumes
- Drive adoption of AI/ML-driven development practices and embed intelligent automation into fraud operations and engineering workflows
- Serve as the technical authority on fraud risk for new product launches (payments, debit, etc.)
- Lead by example—write production code, conduct design reviews, and set engineering standards
- Partner with product, risk, compliance, and data science teams to translate fraud strategy into executable architecture
- Mentor engineers and elevate team capabilities without formal management authority
Qualifications
- 12+ years in software engineering with 5+ years focused on fraud prevention, payments, or banking technology
- Deep domain expertise in payment networks, transaction monitoring, authorization systems, or identity verification
- Demonstrated experience architecting distributed, low-latency systems in a regulated financial environment
- Strong fluency in applied AI/ML—model integration, LLM-augmented tooling, or intelligent automation in production
- Track record of defining and executing technical strategy at staff/principal/architect level
- Comfortable operating as a hands-on engineer while influencing at the senior management tier
- Experience with industry standards and regulations (PCI-DSS, BSA/AML, Reg E, network rules)
Preferred
- Prior experience at a large asset manager, bank, or fintech scaling into new payment products
- Familiarity with real-time streaming architectures (Kafka, Flink) and decisioning engines
- Background in adversarial modeling or fraud ring detection
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*This is a senior-manager-equivalent individual contributor role. No direct reports.*