Senior Manager, Commercial Client Lifecycle Fraud Strategy- EN
Top Benefits
About the role
Job Description
What is the Opportunity?
We are seeking a highly motivated fraud leader to help build and operationalize modern fraud controls across commercial banking access channels. Reporting to the Director, Commercial Client Lifecycle and Deposits Fraud Strategy, you will support the design, execution, and optimization of fraud controls across various channels in the client lifecycle journey.
This is an opportunity to work on high-impact fraud transformation initiatives involving digital trust, behavioral analytics, authentication modernization, and cross-channel fraud detection. You will balance fraud loss, client experience, operational cost, and risk appetite while serving as a trusted advisor on large-scale transformation initiatives.
What will you do?
Support fraud strategy execution across commercial onboarding, cheque ecosystems, and client lifecycle activities. Develop and optimize fraud controls related to fraudulent enrollments and ongoing client eligibility to our products and our channels Analyze fraud events, onboarding trends, client behaviors, and operational metrics to identify emerging threats and optimization opportunities. Support fraud mitigation initiatives involving first-party fraud, mule businesses, synthetic entities, and lifecycle abuse. Partner with Commercial Channels Fraud and Payments Fraud teams to support integrated enterprise fraud intelligence and cross-domain detection capabilities. Support implementation of fraud technologies, analytics platforms, and control modernization initiatives. Prepare fraud reporting, analytics, executive updates, and control performance insights. Coordinate with onboarding, operations, trade, product, risk, fraud, cybersecurity, and technology teams on fraud mitigation initiatives. Provide senior management with timely updates on fraud loss savings and risk performance. Conduct data analysis to support business cases for technology or FTE investment. Work collaboratively in cross-functional squads to optimize the risk balance while managing prioritized backlogs. Research and assess best-in-class fraud mitigation strategies and technologies. Lead day-to-day engagement with fraud technology vendors and partners, supporting proof-of-concepts, capability assessments, implementation activities, and ongoing performance management.
Must-haves:
Deep understanding of the Commercial client lifecycle, from onboarding to enrollment of products, to de-market, and everything in between 5+ years of demonstrable experience in fraud management, onboarding/KYC, financial crimes, commercial banking risk or operational risk Proven expertise in commercial banking client onboarding, account opening, product enrollment workflows, and associated fraud risks Hands-on experience designing, implementing, and monitoring risk controls, investigations, analytics programs, and onboarding review processes Advanced Excel proficiency for fraud analytics, trend analysis, reporting, and data interpretation—demonstrated through complex models and dashboards Proven track record managing multiple concurrent initiatives and delivering results within fast-paced transformation environments Excellent written and verbal communication skills with demonstrated ability to influence stakeholders at senior management levels
Nice-to-have:
Experience with behavioral analytics, authentication technologies, or fraud monitoring platforms Knowledge of commercial payment ecosystems and payment fraud typologies Familiarity with data tools (SQL, Python, SAS, Power BI, Tableau, Alteryx, or equivalent) Familiarity with API security or host-to-host banking integrations Exposure to AI/ML fraud detection or fraud intelligence programs Project management or consulting experience Vendor Management Experience
What’s in it for you?
We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.
A comprehensive Total Rewards Program Ability to make a difference and lasting impact Opportunity to take on progressively greater accountabilities A comprehensive Total Rewards Program Leaders who support your development
Job Skills
Commercial Banking Operations, Decision Making, Fraud Management, Fraud Risk Management
Additional Job Details
Address:
RBC WATERPARK PLACE, 88 QUEENS QUAY W:TORONTO
City:
Toronto
Country:
Canada
Work hours/week:
37.5
Employment Type:
Full time
Platform:
PERSONAL & COMMERCIAL BANKING
Job Type:
Regular
Pay Type:
Salaried
Posted Date:
2026-06-25
Application Deadline:
2026-07-11
Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above
Our Employment Opportunities
At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One RBC. We believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.
Join our Talent Community
Stay in-the-know about great career opportunities at RBC. Sign up and get customized info on our latest jobs, career tips and Recruitment events that matter to you.
Expand your limits and create a new future together at RBC. Find out how we use our passion and drive to enhance the well-being of our clients and communities at jobs.rbc.com
RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.
Not the right fit? Search for Manager, Commercial Client Lifecycle Fraud Strategy jobs in Montreal, Quebec, Canada
About RBC
Royal Bank of Canada is a global financial institution with a purpose-driven, principles-led approach to delivering leading performance. Our success comes from the 94,000+ employees who leverage their imaginations and insights to bring our vision, values and strategy to life so we can help our clients thrive and communities prosper. As Canada's biggest bank and one of the largest in the world, based on market capitalization, we have a diversified business model with a focus on innovation and providing exceptional experiences to our more than 17 million clients in Canada, the U.S. and 27 other countries. Learn more at rbc.com. We are proud to support a broad range of community initiatives through donations, community investments and employee volunteer activities. See how at www.rbc.com/community-social-impact.
La Banque Royale du Canada est une institution financière mondiale définie par sa raison d'être, guidée par des principes et orientée vers l'excellence en matière de rendement. Notre succès est attribuable aux quelque 94 000+ employés qui mettent à profit leur créativité et leur savoir faire pour concrétiser notre vision, nos valeurs et notre stratégie afin que nous puissions contribuer à la prospérité de nos clients et au dynamisme des collectivités. Selon la capitalisation boursière, nous sommes la plus importante banque du Canada et l'une des plus grandes banques du monde. Nous avons adopté un modèle d'affaires diversifié axé sur l'innovation et l'offre d'expériences exceptionnelles à nos plus de 17 millions de clients au Canada, aux États Unis et dans 27 autres pays. Pour en savoir plus, visitez le site rbc.com/francais
Nous sommes fiers d'appuyer une grande diversité d'initiatives communautaires par des dons, des investissements dans la collectivité et le travail bénévole de nos employés. Pour de plus amples renseignements, visitez le site www.rbc.com/collectivite-impact-social.
Similar Jobs
Senior Manager, Commercial Client Lifecycle Fraud Strategy- EN
Top Benefits
About the role
Job Description
What is the Opportunity?
We are seeking a highly motivated fraud leader to help build and operationalize modern fraud controls across commercial banking access channels. Reporting to the Director, Commercial Client Lifecycle and Deposits Fraud Strategy, you will support the design, execution, and optimization of fraud controls across various channels in the client lifecycle journey.
This is an opportunity to work on high-impact fraud transformation initiatives involving digital trust, behavioral analytics, authentication modernization, and cross-channel fraud detection. You will balance fraud loss, client experience, operational cost, and risk appetite while serving as a trusted advisor on large-scale transformation initiatives.
What will you do?
Support fraud strategy execution across commercial onboarding, cheque ecosystems, and client lifecycle activities. Develop and optimize fraud controls related to fraudulent enrollments and ongoing client eligibility to our products and our channels Analyze fraud events, onboarding trends, client behaviors, and operational metrics to identify emerging threats and optimization opportunities. Support fraud mitigation initiatives involving first-party fraud, mule businesses, synthetic entities, and lifecycle abuse. Partner with Commercial Channels Fraud and Payments Fraud teams to support integrated enterprise fraud intelligence and cross-domain detection capabilities. Support implementation of fraud technologies, analytics platforms, and control modernization initiatives. Prepare fraud reporting, analytics, executive updates, and control performance insights. Coordinate with onboarding, operations, trade, product, risk, fraud, cybersecurity, and technology teams on fraud mitigation initiatives. Provide senior management with timely updates on fraud loss savings and risk performance. Conduct data analysis to support business cases for technology or FTE investment. Work collaboratively in cross-functional squads to optimize the risk balance while managing prioritized backlogs. Research and assess best-in-class fraud mitigation strategies and technologies. Lead day-to-day engagement with fraud technology vendors and partners, supporting proof-of-concepts, capability assessments, implementation activities, and ongoing performance management.
Must-haves:
Deep understanding of the Commercial client lifecycle, from onboarding to enrollment of products, to de-market, and everything in between 5+ years of demonstrable experience in fraud management, onboarding/KYC, financial crimes, commercial banking risk or operational risk Proven expertise in commercial banking client onboarding, account opening, product enrollment workflows, and associated fraud risks Hands-on experience designing, implementing, and monitoring risk controls, investigations, analytics programs, and onboarding review processes Advanced Excel proficiency for fraud analytics, trend analysis, reporting, and data interpretation—demonstrated through complex models and dashboards Proven track record managing multiple concurrent initiatives and delivering results within fast-paced transformation environments Excellent written and verbal communication skills with demonstrated ability to influence stakeholders at senior management levels
Nice-to-have:
Experience with behavioral analytics, authentication technologies, or fraud monitoring platforms Knowledge of commercial payment ecosystems and payment fraud typologies Familiarity with data tools (SQL, Python, SAS, Power BI, Tableau, Alteryx, or equivalent) Familiarity with API security or host-to-host banking integrations Exposure to AI/ML fraud detection or fraud intelligence programs Project management or consulting experience Vendor Management Experience
What’s in it for you?
We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.
A comprehensive Total Rewards Program Ability to make a difference and lasting impact Opportunity to take on progressively greater accountabilities A comprehensive Total Rewards Program Leaders who support your development
Job Skills
Commercial Banking Operations, Decision Making, Fraud Management, Fraud Risk Management
Additional Job Details
Address:
RBC WATERPARK PLACE, 88 QUEENS QUAY W:TORONTO
City:
Toronto
Country:
Canada
Work hours/week:
37.5
Employment Type:
Full time
Platform:
PERSONAL & COMMERCIAL BANKING
Job Type:
Regular
Pay Type:
Salaried
Posted Date:
2026-06-25
Application Deadline:
2026-07-11
Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above
Our Employment Opportunities
At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One RBC. We believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.
Join our Talent Community
Stay in-the-know about great career opportunities at RBC. Sign up and get customized info on our latest jobs, career tips and Recruitment events that matter to you.
Expand your limits and create a new future together at RBC. Find out how we use our passion and drive to enhance the well-being of our clients and communities at jobs.rbc.com
RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.
Not the right fit? Search for Manager, Commercial Client Lifecycle Fraud Strategy jobs in Montreal, Quebec, Canada
About RBC
Royal Bank of Canada is a global financial institution with a purpose-driven, principles-led approach to delivering leading performance. Our success comes from the 94,000+ employees who leverage their imaginations and insights to bring our vision, values and strategy to life so we can help our clients thrive and communities prosper. As Canada's biggest bank and one of the largest in the world, based on market capitalization, we have a diversified business model with a focus on innovation and providing exceptional experiences to our more than 17 million clients in Canada, the U.S. and 27 other countries. Learn more at rbc.com. We are proud to support a broad range of community initiatives through donations, community investments and employee volunteer activities. See how at www.rbc.com/community-social-impact.
La Banque Royale du Canada est une institution financière mondiale définie par sa raison d'être, guidée par des principes et orientée vers l'excellence en matière de rendement. Notre succès est attribuable aux quelque 94 000+ employés qui mettent à profit leur créativité et leur savoir faire pour concrétiser notre vision, nos valeurs et notre stratégie afin que nous puissions contribuer à la prospérité de nos clients et au dynamisme des collectivités. Selon la capitalisation boursière, nous sommes la plus importante banque du Canada et l'une des plus grandes banques du monde. Nous avons adopté un modèle d'affaires diversifié axé sur l'innovation et l'offre d'expériences exceptionnelles à nos plus de 17 millions de clients au Canada, aux États Unis et dans 27 autres pays. Pour en savoir plus, visitez le site rbc.com/francais
Nous sommes fiers d'appuyer une grande diversité d'initiatives communautaires par des dons, des investissements dans la collectivité et le travail bénévole de nos employés. Pour de plus amples renseignements, visitez le site www.rbc.com/collectivite-impact-social.