Rocket Money - Senior Manager, Fraud and AML

• Own Fraud Prevention & Detection 🛡️ • Lead fraud and AML strategy and set the long-term direction across Financial Products, shaping how we detect, prevent, and respond to risk as the business grows • Track emerging fraud and money laundering threats, attack patterns, and industry best practices, and bring that perspective into our strategy and roadmap • Quantify and Defend the Guardrails 📊 • Quantify fraud loss, AML risk exposure, and program health on an ongoing basis — translating data into clear loss targets, thresholds, and recommendations • Investigate anomalies and flag emerging fraud and AML risks before they become losses or compliance findings • Build the Fraud & AML Foundation 🚀 • Design and continuously refine fraud and AML policies and mitigations • Own and scale fraud and AML operations across savings products, and lay the foundation for our future investments product • Lead fraud and AML incident response — root cause, what we change, and how we prevent recurrence • Craft clear, concise documentation — policies, procedures, decision proposals, and incident write-ups • Serve as AML Compliance Officer 🧭 • Serve as Rocket Money's AML Compliance Officer for bank partnership products, with support from our legal team and our parent company's legal, AML, and compliance teams • Own and improve our BSA and AML program — day-to-day BSA/AML compliance, risk assessments, training, and SAR referrals — leveraging parent-company and cross-functional expertise • Ensure ongoing compliance with the Bank Secrecy Act (BSA) and related regulations • Lead annual independent testing and bank partner audits • Partner & Cross-Functional Management 🤝 • Serve as the primary fraud and AML point of contact with our bank and brokerage partners • Partner with product, engineering, operations, data, finance, and legal to develop and refine risk controls and align on shared metrics, definitions, and trade-offs • Present fraud and AML posture, decisions, and trade-offs to senior leadership • WHAT SUCCESS LOOKS LIKE 💫 • You understand our business, customers, partners, and fraud and AML programs • You've taken ownership of existing fraud and AML workflows, kept the day-to-day running, and shipped quick wins on the most acute gaps • You've built a clear point of view on the biggest risks and a prioritized plan for the year ahead • Within your first year: • You've built and shipped the fraud and AML foundation to enable our financial products to scale • You've kept our AML program in good standing — ongoing team training, risk-based testing and monitoring, and audit readiness • You've defined KPIs, with credible loss targets and a clear story on trade-offs • You're the recognized owner and subject-matter expert for fraud and AML • 6+ years in fraud prevention with BSA and AML compliance for deposit and/or brokerage products (ideally both) at a fintech — at least some of that time as a first line of defense • Direct experience serving as, or partnering closely with, an AML Compliance Officer • Strong analytical and quantitative skills — comfortable defending a guardrail or threshold with data, not just intuition • Exceptional communicator — you can make complex fraud and AML systems simple • You thrive in ambiguity and are energized by the accountability of owning a high-stakes function from scratch