Fraud Protection Consultant

Location: Onsite at Birmingham, AL, Memphis, TN, or Metairie, LA

Summary

The Fraud Data Management Lead is responsible for operationalizing fraud data across platforms including Plaid Signal, Splunk DRS, Zelle, Mosaic, internal payment systems, SQL Server, and Microsoft Fabric. This role delivers actionable fraud intelligence, supports cross-functional decision-making, and strengthens enterprise risk controls through high-quality data integration, modeling, and reporting.

Key Responsibilities

Data Ingestion & Integration

• Ingest, integrate, and manage fraud-related data from Plaid Signal, Splunk DRS, Zelle, Mosaic, and internal payment systems into centralized SQL Server and Microsoft Fabric environments.

• Normalize and reconcile identifiers, timestamps, and decision outcomes across systems; manage schema changes and field-mapping updates.

• Monitor data freshness, latency, and quality; investigate and resolve breaks in partnership with engineering teams and external vendors.

Metrics & Risk Alignment

• Design and maintain fraud KPIs and KRIs, including channel-level fraud rates, loss rates, signal precision/effectiveness, policy-violation metrics, and decision outcome distributions.

• Align all metrics to risk appetite statements, policy thresholds, and operational tolerances with transparent logic and documented assumptions.

• Produce insights illustrating how signals and decisions affect client experience, loss exposure, and operational performance for leadership and risk committees.

Data Modeling & Microsoft Fabric Enablement

• Write, optimize, and validate SQL used for fraud analytics, metric calculations, and investigative drill-downs.

• Build curated fraud datasets and semantic models within Microsoft Fabric, including standardized dataflows and cross-source transformations.

• Ensure accuracy, performance, and full traceability/auditability for all datasets supporting dashboards, governance reviews, and reporting.

Dashboarding & Fraud Intelligence Reporting

• Develop drillable dashboards ranging from executive-level KPIs to transaction-level investigative views, with slicing by signal source, payment rail, decisioning logic, and time.

• Visualize signal effectiveness, overlap, redundancy, and exposure relative to policy limits for both real-time and historical trend monitoring.

• Drive adoption through documentation, training, and partnership with Fraud Strategy and Fraud Operations teams.

Governance, Controls & Regulatory Readiness

• Maintain a comprehensive KPI/KRI dictionary including definitions, thresholds, and calculation methods.

• Provide fully traceable, auditable data in support of internal audit, regulatory examinations, and risk committee reviews.

• Identify and escalate data integrity risks that could impact detection accuracy or reporting reliability.

• Support model risk management, vendor oversight, and control evaluations with transparent and repeatable reporting.

Cross-Functional Collaboration & Fraud Strategy Support

• Partner with Fraud Strategy, Operations, Risk, Compliance, Product, Engineering, and IT to translate rules, policies, and operational workflows into measurable technical requirements.

• Support rule tuning, threshold adjustments, and control enhancements through data-driven insights.

• Serve as a liaison between technical data teams and fraud investigators to ensure shared understanding, clear communication, and timely delivery.

Team Leadership

• Provide day-to-day guidance, standards, and code reviews for matrixed analysts or engineers.

• Mentor associates, coordinate work intake, and support prioritization.

• Scope with HR as appropriate (e.g., leading without direct reports initially).

Qualifications

Core Competencies

• Analytical Thinking & Problem Solving – Approaches complex data issues systematically; identifies root causes; anticipates downstream impacts.

• Communication & Influence – Translates technical logic into business-friendly narratives; adapts communication to executives, technical partners, and investigators.

• Collaboration & Partnership – Works effectively across Fraud, Risk, Compliance, Product, Engineering, and Operations; builds trust and alignment.

• Attention to Detail – Maintains high standards for data accuracy, documentation, and traceability; ensures governance and audit readiness.

• Customer & Risk Orientation – Balances loss prevention, client experience, and operational efficiency; aligns work to risk appetite and policy requirements.

Technical Competencies

• Advanced SQL & Data Modeling – Designs optimized queries, semantic models, and curated datasets for complex fraud analytics.

• Data Integration & ETL/ELT – Connects diverse signal sources, normalizes identifiers, reconciles schemas, and ensures reliable dataflows.

• Fraud Analytics & Metrics Design – Creates fraud KPIs/KRIs, evaluates signal precision, and measures exposure relative to policy thresholds.

• Microsoft Fabric & Power BI – Builds scalable datasets, dataflows, and dashboards supporting both real-time investigations and executive reporting.

• Data Quality & Governance Controls – Implements monitoring for freshness, accuracy, lineage, and auditability.

• Domain Knowledge in Fraud & Payments – Understands fraud typologies, digital payment vectors, and relevant detection methodologies.

Leadership Competencies

• Strategic Thinking – Plans for future data needs and evolving fraud trends; anticipates operational and risk implications.

• Influence Without Authority – Leads cross-functional initiatives, drives best-practice adoption, and shapes data strategy without formal reporting lines.

• Coaching & Mentoring – Provides guidance on coding standards, analytics best practices, and modeling techniques.

• Prioritization & Decision-Making – Evaluates competing requests, aligns work with business value, and ensures timely delivery of insights.

• Operational Excellence – Builds repeatable, scalable processes and documentation that reduce operational risk and improve efficiency.

Education

• Bachelor’s degree in Data Science, Computer Science, Information Systems, Statistics, Mathematics, Finance, Economics, Risk Management, or a related quantitative field.

• Master’s degree in a relevant discipline (e.g., Data Science, Analytics, Information Systems, or MBA with analytics focus) is preferred but not required.

• Equivalent experience in fraud analytics, data engineering, or financial crime risk may be considered in lieu of formal education.

Minimum Qualifications

• 6+ years of data management or analytics experience in fraud, risk, or payments within financial services.

• Advanced SQL skills (SQL Server) and demonstrated experience with data modeling and curated datasets.

• Hands-on experience with Microsoft Fabric and dashboarding tools such as Power BI.

• Familiarity with fraud signal/telemetry sources (e.g., Splunk, Plaid, Mosaic, Zelle or similar payment rails).

• Experience defining KPIs/KRIs, implementing data quality controls, and developing audit-ready documentation.

• Strong communication skills and ability to translate business policy into technical logic.

Preferred Qualifications

• Proficiency with scripting languages (e.g., Python) and ELT/ETL orchestration.

• Experience with metadata management, data lineage, and data catalogs.

• Familiarity with model risk management practices and regulatory expectations for fraud reporting.

• Knowledge of fraud typologies across digital payments (Zelle/ACH, card-not-present, account takeover, etc.).

Key Measures of Success

• Data freshness and accuracy consistently meet defined SLAs, with measurable reduction in defects over time.

• KPI/KRI dictionary remains current, approved, and regularly used by stakeholders.

• Dashboard adoption increases and drill-through capabilities accelerate investigative decisioning.

• Metrics and controls show clear alignment with risk appetite and policy thresholds.

• Reliable lineage and audit evidence support internal audit and regulatory examinations.

ABOUT US

First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at www.FirstHorizon.com (https://urldefense.com/v3/\_\_https:/www.firsthorizon.com/\_\_;!!Cz2fjcuE!hpq9hPnrucZCPIAVPojVESItIq-FPzhurNdCrQ3JE8Rkx3gMd70nIk6\_kmPxl66\_oJCEsXs0gNunPowMAMHCmBYPOtUxUGI$) .

Benefit Highlights

• Medical with wellness incentives, dental, and vision

• HSA with company match

• Maternity and parental leave

• Tuition reimbursement

• Mentor program

• 401(k) with 6% match

• More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits

Follow Us

Facebook (https://www.facebook.com/FirstHorizonBank)

X formerly Twitter (https://twitter.com/FirstHorizonBnk)

LinkedIn (http://www.linkedin.com/company/first-horizon-bank)

Instagram (https://www.instagram.com/first\_horizon/)

YouTube (https://www.youtube.com/channel/UCEVs5OMj-b0H9Dr5Q209\_-Q)

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.

Job Identification: 1534

Job Category: Support

Job Schedule: Full time

Degree Level: High School Equivalent