Global Risk and Security (GR&S) at Vanguard enables business strategy, protects client and Vanguard interests (e.g., assets and data), and stewards a strong risk culture. Our teams leverage enterprise-wide insights, deep expertise, and trusted advice so that across Vanguard leaders and crew drive faster, stronger, risk-informed decisions. Within GR&S, the Enterprise Security and Fraud (ES&F) sub-division is responsible for the global protection of Vanguard crew, property, data, and client assets. We are the trusted advisors that protect the pride of Vanguard with state-of-the-art security and fraud capabilities. We are a world-class destination of highly engaged, passionate, and diverse talent expected to continuously learn and develop in an ever-changing security landscape. Our crew are our greatest resource – by joining our team you will build collaborative long-term relationships and enjoy a suite of benefits that includes comprehensive health and wellness care, work-life balance, and an investment in your future at its core. Responsibilities: • Set Fraud Strategy & Coverage: Define fraud prevention strategy across real-time payment channels, including risk appetite and control coverage. • Own Real-Time Decisioning: Design and manage fraud rules, decision logic, and detection strategies within real-time decisioning platforms. • Lead Platform & Capability Build: Drive enhancements and implementation of fraud rules engines and decisioning platforms in partnership with engineering. • Optimize Performance Outcomes: Monitor and improve fraud detection, false positives, and client friction through ongoing control tuning and performance management. • Leverage Data & Models: Use analytics and model insights to identify trends, refine strategies, and improve detection effectiveness. • Partner Cross-Functionally: Collaborate with Product, Engineering, Risk, and Operations to embed fraud controls into customer journeys and new product launches. • Ensure Strong Governance: Maintain disciplined control testing, monitoring, and adherence to risk and regulatory standards. Qualifications: • Minimum of five years related work experience. • Undergraduate degree or equivalent combination of training and experience. Graduate degree preferred. • Expertise in: Account takeover, social engineering, and transaction fraud risks within retirement and workplace channels • Proven experience managing real-time fraud decisioning environments and rules strategies • Strong experience partnering across Product, Engineering, Risk, and Operations Technical & Analytical Skills • Expertise in fraud rules engines / decisioning platforms • Strong analytical capabilities (data analysis, segmentation, performance optimization) • Working knowledge of fraud models / machine learning concepts and model governance • Ability to translate data into actionable fraud strategies and business decisions • Strong experience with analytical tools such as Python, R, SAS, SQL, and platforms such as Tableau or Power BI. Leadership & Communication • Excellent communication and executive storytelling skills. • Highly collaborative with a track record of driving alignment across teams. Special Factors Sponsorship Vanguard is offering visa sponsorship for this position. About Vanguard At Vanguard, we don't just have a mission—we're on a mission. To work for the long-term financial wellbeing of our clients. To lead through product and services that transform our clients' lives. To learn and develop our skills as individuals and as a team. From Malvern to Melbourne, our mission drives us forward and inspires us to be our best. How We Work Vanguard has implemented a hybrid working model for the majority of our crew members, designed to capture the benefits of enhanced flexibility while enabling in-person learning, collaboration, and connection. We believe our mission-driven and highly collaborative culture is a critical enabler to support long-term client outcomes and enrich the employee experience.