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Synchrony SVP, Account Management & Transactional Fraud in CHARLOTTE, North Carolina

Job Description:

Role Summary/Purpose:

The SVP, Account Management & Transactional Fraud leader role is responsible for leading a large functional team focused on the development and implementation of credit management and transactional fraud strategies for all existing accounts across all sales platforms. The SVP’s focus areas include credit and fraud management for all aspects of the existing account lifecycle, including but not limited to credit line management, closures, authorizations, and transactional fraud. The SVP will interact with the executive leadership and senior cross-organizational business teams to drive strategies that meet Synchrony’s (SYF) strategic vision of leveraging incremental data and advanced analytics to improve the customer experience and improve P & L performance. This role reports to the SVP, Deputy Chief Credit Officer.

We’re proud to offer you flexibility! This position is eligible to work remote, where you will work from home, and may require you to occasionally commute to one of our hubs for in person engagement activities such as team meetings, training and culture events. Remote candidates will be considered who live near any Synchrony hub including: Alpharetta, GA, Chicago, IL, Costa Mesa, CA, Stamford, CT, New York, NY, Altamonte Springs, FL, Charlotte, NC, Dayton, OH, St. Paul, MN or Phoenix, AZ.

Essential Responsibilities:

  • Develop and drive the account growth and loss mitigation strategy roadmap for SYF, leveraging analytics and incremental data to maximize P & L performance and satisfy SYF’s risk appetite

  • Accountable for the development and implementation of SYF’s account management strategies, including credit line management and authorizations for existing accounts across all sales platforms

  • Lead the agile developments and enhancements of our systems enabling SYF to connect more data to the point of decision while meeting core strategy needs.

  • Accountable for the development and implementation of SYF’s transactional fraud detection processes and emerging threats for existing accounts across all sales platforms

  • Head of Account Management and Transaction Fraud working group. Administer and approve all level of investment authority strategy changes and requests

  • Lead a global team of professionals, providing mentorship, guidance, engagement, career pathing and development opportunities

  • Perform other duties and/or special projects as assigned


  • Bachelor’s Degree and 10+ years of Financial Services industry experience in credit card and/or consumer financial risk/credit management; in lieu of a degree 14+ years of Financial Services industry experience in credit card and/or consumer financial risk/credit management

  • 10+ years' supervisory or leadership experience

Desired Characteristics:

  • MBA and/or Master’s Degree with advanced analytics focus, or equivalent

  • SAS, SQL, Spark, R or Python Programming Skills

  • Proven ability to derive actionable credit insights from data and a solid foundation in advanced analytical and modeling methodologies

  • Strong leadership skills and proven results at driving change across all levels of the organization

  • Prior experience and responsibility for critical decisions of significant financial impact and complex criteria

  • Extensive knowledge and expertise in both account management and new account acquisitions credit & fraud strategies

  • Capable of delivering short term goals while thinking strategically and laying foundation for growth

  • Communication / influencing skills to drive inclusion, efficiency, and creative solutions

  • Confidence / assertiveness: strong influencing skills across business functions; confidence to approach business partners with recommended change and defend position

  • High energy and self-motivated, especially in a dynamic, fast paced environment

Eligibility Requirements:

  • You must be 18 years or older

  • You must have a high school diploma or equivalent

  • You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process

  • You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act.

  • New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 24 months’ time in position before they can post. All internal employees must have at least a “consistently meets expectations” performance rating and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance requirement).

Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.

Reasonable Accommodation Notice:

  • Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment.

  • If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time.

Grade/Level: 16

Job Family Group:

Risk Management