Tom Carpenter
proven first and second line of defense risk executive (fraud, ops, enterprise) with LOB product management experience and an emphasis on employee development/mentoring
- Role
- Senior Director, SVP, Fraud Strategy & Analytics at First Citizens Bank
- Location
- Loveland, OH, US
- LinkedIn followers
- 500 followers
About Tom Carpenter
Experience in a hybrid role combining first and second line functions at an executive level. Oversight and management of the enterprise, fraud control environment as a second line function, which includes operational fraud risk assessments, building the fraud framework and fraud policy in accordance with enterprise risk management and OCC standards. Responsible for first line functions - fraud operations, strategy, disputes, and developing/maintaining the fraud roadmap, which consists of strategies including new tech, enhancements, optimization and maintenance. Has an established peer network of fraud leaders globally to collaborate on control ideas and quickly identify emerging trends. All work is performed with an emphasis on the customer experience. Directs a leadership team that introduces new controls and technology to business partners to reduce fraud exposure across all lines and works closely with Enterprise Risk, Info Security, Audit and Business Controls to reinforce the first line.A leading industry SME in the realm of consumer and commercial credit risk, transactional risk and fraud risk associated with deposits and credit products. As a Certified Fraud Examiner, has over 20 years of experience in financial services focused on risk management with an emphasis on new product development and software consulting and sales.Areas of focus:Fintech integration - GreenSkyUnsecured/Secured Personal LendingEnterprise Risk Direct Auto LendingExpress BankingSecond Chance CheckingCash Services (check cashing, remittance, wire)Digital Risk ManagementMobile Deposit (Business Dev)OverdraftDeposit Advance (short term, small dollar lending)General deposit, fraud & credit risk related to DDA portfolioDDA Front End Risk (new account screening)DDA Life-cycle RiskPayments
Experience
Senior Director, SVP, Fraud Strategy & Analytics
Jun 2024 — Present · Loveland, OH, US
Responsible for the fraud strategy, analytics and prevention program for a Top 20 US bank.
Education
West Virginia University
BS
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