Job Title: Sr. Principal Engineer / Architect (Fraud Prevention Technology)Location: (PA / NC / TX / AZ) - Hybrid requiredWork Authorization:U.S. Citizen or Green Card Holder Employment type: W2Role Overview The ideal candidate brings deep industry experience in banking, payments, or financial services, with strong architectural leadership and comfort operating hands on while influencing senior stakeholders. Key Responsibilities
Define the technical vision and multi year roadmap for fraud prevention across new and existing product lines.
Architect real time detection, decisioning, and response systems capable of scaling to Vanguard's transaction volumes.
Drive adoption of AI/ML enabled development practices and embed intelligent automation into fraud operations.
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 establish 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 responsibility.
Qualifications
12+ years in software engineering, including 5+ years in fraud prevention, payments, or banking technology.
Deep expertise in payment networks, transaction monitoring, authorization systems, or identity verification.
Proven experience architecting distributed, low latency systems in regulated financial environments.
Strong fluency in applied AI/ML, including model integration, LLM augmented tooling, and intelligent automation.
Demonstrated ability to define and execute technical strategy at the staff/principal/architect level.
Comfortable operating as a hands on engineer while influencing senior management.
Knowledge of industry standards and regulations: PCI DSS, BSA/AML, Reg E, network rules.
Preferred Experience
Background at a large asset manager, bank, or fintech expanding into new payment products.
Familiarity with real time streaming architectures (Kafka, Flink) and decisioning engines.
Experience in adversarial modeling or fraud ring detection.
AWS based environments; comfort across mainstream technologies (language agnostic).
Strategic Context:
Preparing technology and processes for debit related fraud challenges
Scaling fraud capabilities to meet rising business demand
Designing the future state fraud platform and long term strategy
Collaborating across fraud, product, and business teams to ensure readiness for new offerings
Numbers & Facts
Location
NULL, AZ
Skills
Amazon Web Services (AWS)unmatched
Artificial Intelligence (AI)unmatched
Asset Managementunmatched
Automationunmatched
Bank Managementunmatched
Banking Servicesunmatched
Data Scienceunmatched
Financial Systemsunmatched
Industry Standardsunmatched
Machine Toolunmatched
Mentoringunmatched
Network Monitoringunmatched
PCI-DSSunmatched
Product/Service Launchunmatched
Regulationsunmatched
Riskunmatched
Software Engineeringunmatched
Technical Strategyunmatched
Transaction Processing/Managementunmatched
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