Title:  Director, International Banking - Digital Application Fraud Risk

Requisition ID: 260022 

Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

The Director, Digital Application Fraud Risk provides regional leadership, strategy, and subject matter expertise for application fraud in digital channels across International Banking (Mexico, Peru, Chile, Uruguay, Caribbean). The role focuses specifically on first party, synthetic, and non–stolen identity fraud, which reside within credit risk rather than enterprise fraud operations. This leader defines the risk strategy, frameworks, and controls for digital channel originations fraud, and works with country teams to build capabilities and reduce losses.

Is this role right for you? In this role, you will:

• Leads and drives a customer focused culture throughout their team to deepen client relationships and leverage broader Bank relationships, systems and knowledge.

Regional Strategy & Frameworks:

• Develop the digital application fraud strategy for International Banking, including standards for identity proofing, fraud scoring, escalation thresholds, and lifecycle controls.
• Establish and maintain a first‑party and synthetic fraud framework aligned to global policies and IB digital growth objectives.

Capability Building Across Countries:

• Act as the regional subject‑matter expert to support countries in strengthening digital application fraud controls.
• Provide guidance on analytic methods, fraud signals, data enrichment, and scoring approaches.
• Facilitate knowledge sharing and build foundational toolkits for markets that do not yet have formal functions.

Monitoring & Trend Analysis:

• Maintain a regional view of fraud trends, attack vectors, and performance indicators across digital origination channels.
• Analyze portfolio performance and highlight emerging risks in synthetic identity, first‑party patterns, and digital process vulnerabilities.
• Recommend control enhancements, automation opportunities, and improved monitoring practices.

Governance & Standards:

• Develop standards, templates, and methodologies to support consistent application fraud risk management across geographies.
• Review and challenge major fraud‑related initiatives (digital onboarding changes, data/identity tools, new product flows).
• Ensure compliance with global policies and alignment with the Retail Credit Risk framework.

Digital Transformation & Data/Decisioning:

• Lead fraud‑related components of digital transformation programs, including device intelligence, behavioural biometrics, and next‑generation scoring models.
• Partner with Risk Technology, Digital Banking, and enterprise fraud teams to enhance data integration and real‑time decisioning.
• Promote the adoption of common tools and scalable platforms across countries.

Stakeholder Engagement:

• Build and maintain relationships with country risk teams, Digital Banking, Risk Technology, Enterprise Fraud, and Global Retail stakeholders.
• Communicate fraud insights and recommendations to senior audiences in a clear, actionable way.
• Influence digital strategy to balance growth with effective fraud‑risk mitigation.

Other:

• Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.
• Creates an environment in which their team pursues effective and efficient operations of their respective areas in accordance with Scotiabank’s Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk.
• Builds a high performance environment and implements a people strategy that attracts, retains, develops and motivates their team by fostering an inclusive work environment and using a coaching mindset and behaviours; communicating vison/values/business strategy; and, managing succession and development planning for the team.

Do you have the skills that will enable you to succeed in this role? - We'd love to work with you if you have: 

• University degree in Business, Risk Management, Data Science, Cybersecurity, or related field.
• 5+ years of experience in fraud risk, digital identity, credit risk, or consumer lending.
• Strong expertise in first‑party and synthetic identity fraud, digital KYC, data enrichment, and fraud scoring.
• Experience with digital onboarding, decision engines, device intelligence, and behavioural biometrics.
• Ability to influence and lead in an evolving, multi‑country environment.
• Fluency in English and Spanish preferred.

What’s in it for you?

• An inclusive & collaborative working environment that encourages creativity, curiosity, and celebrates success!
• We offer a competitive rewards package: Performance bonus, Employee Share Ownership Program, and Pension Plan Matching, Health Benefits from day one!
• Your career matters! You will have access to career development and progression opportunities.

Location(s):  Canada : Ontario : Toronto 

Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets.  

At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our  Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.