Application Deadline: 07/30/2026 Address: 100 King Street West Job Family Group: Data Analytics & Reporting Please note this role is subject to Hybrid work model (3 days per week in the office) We are seeking a strategic and analytical leader to advance BMO’s First Party Fraud (FPF) analytics capabilities. This role is accountable for developing and executing data-driven strategies that proactively identify, measure, and mitigate first party fraud risk while balancing customer experience, portfolio performance, and business growth objectives. Working closely with Technology, Data & Analytics, Risk, and Business stakeholders, the Director will leverage advanced analytics, machine learning, and behavioral insights to strengthen fraud detection, improve loss attribution, and support real-time risk decisioning. As Enterprise Fraud Management (EFM) continues to evolve its typology-based approach to First Party Fraud, this leader will play a critical role in building and enhancing a framework that distinguishes fraud from traditional credit risk, enabling more effective controls, stronger detection capabilities, and improved fraud loss management. Operating at an enterprise level, the Director will influence fraud analytical strategies, drive innovation, and serve as a trusted advisor on emerging fraud trends, analytics best practices, and the application of data-driven insights to protect the bank and its customers. Key Responsibilities: Develop risk‑based rules to identify FPF behaviors, including misrepresentation, synthetic identities, bust‑outs, stolen IDs and post‑origination fraud. Design, implement, and continuously optimize risk-based rules, triggers, and alerting capabilities to identify first party fraud behaviors. Develop early warning indicators and monitoring tools to detect emerging fraud patterns and portfolio shifts. Evaluate rule effectiveness through performance metrics, loss analysis, and ongoing testing. Ensure appropriate fraud detection frameworks are in place, including application risk assessment, document fraud detection, transaction monitoring, and behavioral analytics. Through referrals from Operations/LOB, perform link analysis and data mining to hunt for fraudulent accounts and fraud rings. Provide strategic oversight to analytics teams to ensure models, rules, triggers, and alerts are risk‑based, explainable, and effective. Partner with Fraud Strategy, Investigations, and Operations teams to ensure alerting frameworks drive actionable and prioritized investigations. Use advanced analytics, data mining, and behavioral insights to identify new first‑party fraud typologies and translate insights into actionable rules. Apply advanced analytics, machine learning, statistical modeling, and data mining techniques to uncover new fraud risks and behavioral patterns. Design and scale predictive models and analytical solutions that improve fraud detection and support smarter business decisions. Conduct large-scale analysis across diverse data sources to identify trends, opportunities, and emerging threats. Leverage big data tools and modern analytics platforms to enhance fraud monitoring and decisioning capabilities. Collaborate with product, risk, technology, and business teams to support strategic decision-making, business planning, and future roadmap development. Communicate complex analytical concepts and findings to executive and non-technical audiences in a clear and compelling manner. Influence enterprise fraud management strategies through thought leadership, innovation, and data-driven recommendations. Build strong partnerships across the organization to drive alignment and achieve business objectives. Foster a high-performance culture aligned to BMO's Purpose, Values, and strategic priorities. Attract, develop, and retain top analytical talent. Provide coaching, mentorship, and career development opportunities for team members. Drive accountability, recognize strong performance, and support continuous improvement. Champion diversity, equity, and inclusion through leadership actions and team practices. Qualifications Technical & Analytical Expertise Advanced expertise in fraud analytics, statistical analysis, machine learning, and predictive modeling. Strong knowledge of first party fraud risk management and fraud detection methodologies, related to lending products. Expert-level understanding of: Mathematics, statistics, and operations research Machine learning and deep learning techniques Data wrangling, preprocessing, and feature engineering Big data environments and analytical platforms Data visualization and storytelling Model governance, ethics, bias, and responsible AI Experience developing fraud rules, alerts, and risk monitoring frameworks. Proficiency with data and analytics tools such as SQL, Python, Dataiku, or comparable platforms. Leadership & Business Skills Exceptional analytical, problem-solving, and critical-thinking capabilities. Strong verbal and written communication skills with the ability to influence senior stakeholders. Proven ability to lead through ambiguity and drive enterprise-wide outcomes. Demonstrated success building partnerships across multiple functions and levels of the organization. Strong collaboration, relationship management, and stakeholder engagement skills. Experience leading and developing high-performing analytics teams. Education & Experience Bachelor’s Degree in a relevant field Typically 10+ years of relevant experience in fraud analytics, risk analytics, data science, or a related field, or an equivalent combination of education and experience. Prior analytical banking experience is an asset. Experience managing teams of 5+ in a people manager capacity Experience with lending products fraud, risk engines Recognized as a seasoned expert with deep industry knowledge and a track record of delivering business impact through analytics and innovation. Technical leader and thought partner with demonstrated success influencing strategy and driving transformational change. Salary: $132,600.00 - $231,000.00 Pay Type: Salaried The above represents BMO Financial Group’s pay range and type. Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position. BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards About Us At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world. As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset. To find out more visit us at https://jobs.bmo.com/ca/en. BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter. Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes. BMO is a leading bank driven by a single purpose: to Boldly Grow the Good in business and life. Everywhere we do business, we’re focused on building, investing and transforming how we work to drive performance and continue growing the good. Who we are We’re proud to be fueling growth and expanding possibilities for individuals, families and businesses. More than 12 million customers count on us for personal and commercial banking, wealth management and investment services. As the 8th largest bank in North America by assets, we provide personal and commercial banking, wealth management and investment services to more than 12 million customers. In Canada, the United States and across the globe, we’ll continue to build, invest and transform to drive performance that serves the good that grows.