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Open nowPosted 8 days ago

Fraud and Risk Senior Specialist

GM Financial IO38 open roles

Where
Sao Paulo, SP, Brazil
Work mode
Hybrid
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Your applicationOpen nowFraud and Risk Senior SpecialistGM Financial IO · Sao Paulo, SP, Brazil

  1. YouYes, apply to this one.

  2. CV RocketCV written for this posting.

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The clock on this job

Early applications get read.

13.8% of postings close within 7 days. Measured by our own scanner across the market. GM Financial IO postings stay open a median of 17 days.

Share of postings closed within
  1. 2.2%1 day
  2. 4.7%3 days
  3. 13.8%7 days
  4. 22.3%14 days
  5. 37.8%30 days
  6. 59.0%60 days
This job: posted 8 days ago

GM Financial IO median: 17 days open

The posting

Job Description

Why GM Financial?

GM Financial is the wholly owned captive finance subsidiary of General Motors and is headquartered in Fort Worth, U.S. We are a global provider of auto finance solutions, with operations in North America, South America, and the Asia Pacific region. Through our long-standing relationships with auto dealers, we offer attractive retail financing and lease programs to meet the needs of each customer. We also offer commercial lending products to dealers to help them finance and grow their businesses.

At GM Financial, our team members define and shape our culture — an environment that welcomes new ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work — we thrive.

Our Purpose: We pioneer the innovations that move and connect people to what matters.

This position will be posted until filled.

Responsibilities

About the Role

The Fraud Risk Senior Specialist – Brazil is the accountable market leader for the Fraud Program, responsible for protecting portfolio performance while enabling sustainable business growth and an effective customer and dealer experience. The role owns the local fraud strategy, governance, execution and continuous evolution across originations, verification, funding and early-life account performance. It converts fraud intelligence and data into business decisions, control enhancements and technology-enabled prevention capabilities.

In this role you will:

  • Own the Brazil Fraud Program, including strategy, governance, roadmap, controls and continuous improvement across originations, verifications, funding and early-life performance.
  • Drive fraud prevention strategy by identifying emerging risks, leading investigations, and evolving rules, segmentations, models, policies and controls based on performance and business impact.
  • Provide executive-level fraud leadership, translating complex issues into clear root causes, business implications, recommendations and action plans for senior leaders and risk forums.
  • Lead technology and innovation initiatives, assessing fraud-prevention tools, alternative data, automation, AI/ML opportunities and other capabilities that can strengthen detection and prevention.
  • Manage external partners and vendors, leading technical and business discussions around capabilities, performance, integrations, service levels, costs and improvement opportunities.
  • Partner closely with Sales, Credit Operations and Collections, balancing fraud mitigation with operational effectiveness, Customer/Dealer experience and business objectives.
  • Own fraud performance management, including reporting, forecasting, KPIs, loss trends, control effectiveness and action-plan execution.
  • Lead cross-functional initiatives and change, coordinating Technology, Data & Analytics, Compliance and other functions from problem identification through implementation and sustainable closure.
  • Strengthen fraud capabilities across the organization, promoting awareness, knowledge sharing and effective risk ownership.

Qualifications

What makes you an ideal candidate?

  • Analytical & technical depth: Ability to challenge and interpret data, models and methodologies and translate them into decisions; working knowledge of SQL, Power BI and/or tools such as SAS, Python, WPS or decision/rule engines.
  • Business acumen: Understands the interaction between fraud risk, credit performance, approvals, losses, operations, sales, customer/dealer experience and profitability.
  • Technology orientation: Ability to identify, assess and build the business case for new fraud technologies, data sources, automation and AI/ML solutions.
  • Executive communication: Ability to explain complex situations, root causes, trade-offs and recommendations clearly and credibly to senior and executive leaders.
  • Influence & negotiation: Able to challenge constructively, navigate competing priorities, negotiate with internal stakeholders and external vendors, and drive decisions without relying solely on formal authority.
  • Business partnership: Builds strong relationships with local Operations, particularly Sales, Credit Operations and Collections, while maintaining independent risk judgment.
  • Execution & leadership: Strong ownership, judgment, prioritization and project-management skills, with the ability to move from analysis to decision, implementation and measurable results.

Additional Knowledge and Skills

Working effectively within an AI enabled environment:

  • Ability to use AI tools (e.g., Microsoft Copilot) to support daily work
  • Skills in evaluating AI outputs for accuracy, compliance, and bias
  • Experience integrating AI into workflows to improve efficiency or insights
  • Familiarity with AI assisted research, summarization, and content generation
  • Understanding of responsible AI use, including ethics and data protection

Experience & Education

  • Bachelor's degree in Actuarial Science, Economics, Finance, Statistics, Mathematics, Engineering, Computer Science, Business Administration or a related field; postgraduate study is a plus.
  • A minimum of 5 years of relevant experience in fraud risk, financial services risk, credit, underwriting, collections, investigations, decision science, consulting or related disciplines, including demonstrated ownership of complex initiatives.
  • Demonstrated experience influencing senior leaders, presenting to executive forums and resolving disagreement through structured analysis and business judgment.
  • Hands-on experience developing or managing fraud strategies, rules, segmentation, models, verification controls, investigations and performance monitoring.
  • Experience evaluating or implementing fraud, identity, verification, bureau, alternative-data or decisioning solutions, including direct engagement with vendors.
  • Experience leading cross-functional programs with Technology, Data, Operations, Sales, Compliance and other control functions.
  • Experience in consumer lending, auto finance, payments, banking or another high-volume credit environment is strongly preferred.
  • Fraud expertise: Strong understanding of fraud typologies, investigations, verification strategies, fraud controls, rules, segmentation and emerging fraud trends.

GM Financial is an Equal Opportunity Employer. We do not discriminate against any applicant or employee based on race, color, age, gender, marital status, national origin, religion, sexual orientation, gender identity, veteran status or disability.

#GMFJobs #LI-Hybrid #LI-LP1

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