Fraud Product Owner & Transformation Lead

Description

Fraud Product Owner & Transformation Lead

We are seeking a results-driven leader to own and drive the vision, strategy, and transformation of our fraud detection and prevention product platform portfolio. This is a senior leadership role, responsible for shaping the roadmap for large-scale application capabilities, enhancements, and process improvements, with an initial focus on fraud risk management. By leveraging data and analytics, coupled with deep business insight, you will guide evidence-based product decisions that deliver measurable impact. Partnering with Experience Owners and cross-functional teams (Risk, Technology, Legal, Operations, Fraud Strategy, etc.), you will ensure our customer-centric mission is embedded in every solution while enabling a cohesive and connected colleague experience.

You will be accountable for creating and executing the strategy, vision, and rollout of internally facing product applications with a high degree of ownership over critical features. The role requires balancing near-term execution with long-term transformation goals, ensuring measurable business impact, colleague efficiency, and customer protection.

This role will have direct reports and will report directly to the Consumer Operations Delivery Head.

Location : Candidates must be based in or willing to commute to one of the following hub locations with a hybrid schedule of four days onsite and one day remote per week with flexibility :

• Johnston, RI – One Citizens Bank Way
• Pittsburgh, PA – 444 Liberty Ave
• Westwood, MA – 200 Station Drive
• Iselin, NJ – 101 Wood Avenue South
• Boston, MA – 28 State Street
• Glen Allen, VA – 10561 Telegraph Rd

Responsibilities

Lead Agile teams with accountability for ROI, ensuring delivery of high-quality features aligned to business priorities and acceptance criteria.

Define, own, and communicate the product vision, roadmap, and business case to stakeholders at all levels.

Partner with Experience Owners to decompose vision into MVP sets and prioritized backlogs.

Serve as an escalation point for higher-level vision and requirements questions.

Drive strategic development and baselining of value streams and prioritization sub-journeys.

Conduct market and trend analysis to guide the product portfolio toward a balance between user needs, business objectives, and technical feasibility.

Leverage data and analytics to evaluate product performance, generate insights, and guide evidence-based decisions on new features that improve customer protection and colleague efficiency.

Provide leadership on the development, testing, and refinement of UX prototypes in an agile environment.

Maintain delivery governance and controls while ensuring alignment with enterprise standards.

Facilitate solutions across the organization by identifying and prioritizing cross-journey enablers (e.g., enterprise APIs, shared components, data & analytics, DevSecOps adoption).

Define, track, and communicate product KPIs and transformation outcomes to demonstrate business value and drive continuous improvement.

Key Skills and Competencies

Demonstrated expertise in delivering technical / functional products at scale, with proven experience in leading product and transformation initiatives in fraud, risk, or related domains.

10+ years of experience in product leadership, management consulting, or agile delivery roles.

Strong expertise in fraud risk management or related domains in financial services institutions.

Strong ability to define and execute product vision and strategy across multiple teams.

Deep expertise in analytics and data-driven decision-making, translating insights into actionable strategies that drive product innovation and business impact.

Demonstrated success innovating and driving measurable outcomes in customer protection and colleague efficiency.

Expertise in Agile product delivery, with the ability to inspire and lead high-performing teams.

Exceptional communication skills with the ability to influence senior stakeholders and simplify complex concepts.

Education

Hours & Work Schedule

Hours per Week : 40

Work Schedule : M-F 8-5

Pay Transparency

The salary range for this position is $165,250 - $205,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity / paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of very local and state jurisdiction in the United States. For an overview of our benefits, visit

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Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status / parenthood, medical condition, military or veteran status, national origin, pregnancy / childbirth / lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and / or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

11 / 21 / 2025