Director, Fraud AI & Analytics

Our Mission

Our mission is to SAVE AND IMPROVE LIVES BY EMPOWERING HEALTHCARE CONSUMERS. Come be part of remarkable.

Overview

How you can make a difference  

We are seeking a strategic, hands-on leader to build and operate HealthEquity’s Director, Fraud AI & Analytics function - our frontline defense against evolving fraud and eCrime. In this role, you will build and mentor a high-performing team of data scientists, data engineers, and analysts. You will fuse transactional, identity, and cybersecurity telemetry data into a unified analytics platform, and lead the design and deployment of advanced AIML and graph-based models that proactively prevent losses and accelerate fraud investigations. As the data-driven voice of fraud and security intelligence, you will partner closely with our Fraud Operations team and law-enforcement agencies on coordinated takedowns of sophisticated fraud rings. You will also work with Fraud and Security Engineering teams to architect real-time containment rules, integrated into our transaction gateways and other cyber and identity defenses to prevent high-risk activity at scale. Your strategic roadmap will include Generative AI and RAG assistants for alert triage and case summarization, network-analytics pipelines for ring detection, and continuous model improvement that balances fraud reduction with a seamless member experience. 

What you’ll be doing

• Team Leadership & Collaboration: Recruit, mentor, and grow a high-impact data science and analytics team focused on fraud-ring detection, card and non-card fraud modeling, and identity intelligence
• Preventative Modeling: Build and operationalize AIML models to detect core fraud vectors (e.g., credential compromise, card fraud) and emerging threats (e.g., scams, account hijacks, deepfakes)
• Technology & Tools: Evaluate and implement cutting-edge fraud prevention technologies, machine learning models, and identity management systems to enhance operational efficiency
• Graph & Network Analytics: Operationalize graph-analysis pipelines to uncover fraud rings and synthetic identity clusters, surface network metrics (centrality, community detection) for targeted investigations
• GenAI-driven Investigations: Lead development of LLM/RAG/Agentic AI capabilities for across all of Cybersecurity and Fraud functions for auto-summaries, narrative generation, and root-cause explainers to reduce mean-time-to-detect and remediate. 
• Real-time containment (partner): Partner with Product, engineering, SOC, and fraud operations to codify and deploy detection rules and strategies across transaction flows and other cyber and fraud playbooks for immediate threat mitigation
• Threat Intelligence & takedowns: Ingest external fraud and cyber-intel feeds and collaborate with Fraud Investigations, Legal,  FBI, and Secret Service on evidence gathering and coordinated ring takedowns
• Strategic Roadmap: Define a multi-year plan for graph analytics expansion, Generative AI assistants and autonomous response agents, lead pilots and A/B tests to optimize fraud defenses and controls
• Identity Verification: Oversee the development and optimization of identity authentication and verification processes to ensure secure and seamless customer experiences.
• Governance & Compliance: Ensure all fraud prevention and identity practices comply with relevant regulations (e.g., GDPR, CCPA, AML) and industry standards

What you will need to be successful

• Bachelor's degree in data science, Statistics, Computer Science, or a related field
• 10+ years of experience in fraud prevention analytics or security intelligence; 5+ years managing technical teams.
• Proven expertise in statistical modeling & machine learning (Python, R, PyTorch, Spark)
• Hands-on expertise with data engineering (SQL, Azure Data Factory, Databricks, Data Lake)
• Familiarity with security-telemetry platforms (Azure Sentinel, Cribl LogStream) and automated response frameworks
• Track record integrating external threat-intel or consortium feeds into production detection systems
• Exceptional leadership and team management skills, with a track record of building high-performing teams.
• Excellent communication and presentation skills, with the ability to translate complex data into actionable insights for executive audiences.
• Familiarity with regulatory requirements and compliance standards in fraud and identity management.
• Ability to thrive in a fast-paced, dynamic environment and manage multiple priorities effectively.
• Master's degree or Ph.D. in data science,