OverviewWho we areCollaborative. Respectful. A place to dream and do. These are just a few words that describe what life is like at Toyota. As one of the world's most admired brands, Toyota is growing and leading the future of mobility through innovative, high-quality solutions designed to enhance lives and delight those we serve. We're looking for talented team members who want to Dream. Do. Grow. with us.
An important part of the Toyota family is Toyota Financial Services (TFS), the finance and insurance brand for Toyota and Lexus in North America. While TFS is a separate business entity, it is an essential part of this world-changing company- delivering on Toyota's vision to move people beyond what's possible. At TFS, you will help create best-in-class customer experience in an innovative, collaborative environment.
Toyota does not offer support or sponsorship of job applicants for employment-based visas or any other work authorization for this role now or in the future. You must have the right to work in the United States and not require Toyota support or sponsorship for immigration-related employment (e.g., H-1B, O-1, E-3, H-1B1, TN, F-1 OPT, F-1 STEM OPT, F-1 CPT, 'job flexibility benefits' [also known as I-140 or Adjustment of Status portability], etc.) now or in the future. You should not apply for this role if you will require Toyota to assist with immigration support or sponsorship now or in the future.
Who we're looking forToyota's Fraud department is looking for a passionate and highly
National Manager, Fraud Prevention.As Head of Fraud Prevention, the primary responsibility of this role is to lead the enterprise fraud strategy to protect customers, dealers, and the business by preventing, detecting, and reducing fraud across the full customer and dealer lifecycle. The role also oversees fraud investigations, cross-functional controls, team leadership, and reporting to senior leadership to ensure fraud risks are managed effectively and continuously improved.
Reporting to the Chief Credit Officer, the person in this role will support the Fraud department's objective to proactively prevent, detect, and investigate fraud to minimize losses, protect customers and the business, and strengthen trust across Toyota's ecosystem.
What you'll be doing - Develop, own, and continuously evolve Toyota Financial Services enterprise fraud prevention strategy, ensuring alignment with business growth, customer experience, and risk appetite objectives.
- Lead the design and deployment of fraud prevention strategies, including detection models, and emerging technology solutions (e.g., machine learning, behavioral analytics, identity verification tools) to proactively identify and mitigate fraud risk.
- Monitor fraud trends, emerging typologies, and industry benchmarks across auto finance and banking to anticipate threats and adjust strategy accordingly.
- Partner with Credit Risk, Sales Operations, Customer Service, Digital, and Product teams to embed fraud controls throughout the customer and dealer lifecycle.
- Establish key risk indicators (KRIs) and fraud loss metrics; report performance and emerging risks to senior leadership and governance committees.
- Own the fraud prevention budget, staffing model, and technology roadmap.
- Direct all fraud investigation operations across TMCC and TFSB portfolios, including application fraud, identity theft, account takeover, synthetic identity fraud, dealer fraud, and first-party fraud.
- Oversee case management processes to ensure timely, thorough, and consistent investigation outcomes.
- Establish investigative standards, escalation protocols, and quality assurance processes to ensure investigative integrity and regulatory defensibility.
- Coordinate with law enforcement, external fraud consortiums, and industry partners as appropriate.
- Ensure investigative findings inform and strengthen fraud prevention strategy and control design (closed-loop feedback).
- Manage restitution, recovery, and loss mitigation efforts related to confirmed fraud cases.
- Build, lead, and develop a high-performing team of fraud strategy analysts, and investigators.
- Serve as a key advisor to executive leadership and risk committees on fraud and financial crimes risk posture.
- Represent TFS in industry forums, regulatory discussions, and fraud information-sharing organizations.
What you bring - Bachelor's degree.
- 10+ years of progressive, relevant professional experience in fraud prevention, fraud investigations, and/or financial crimes compliance, ideally within auto finance, banking, or consumer lending.
- Demonstrated subject matter expertise in fraud prevention strategy, with experience spanning both analytical ( data/strategy-driven ) and operational ( investigations/compliance execution ) roles.
- Technical and analytical fluency - experience engaging with IT/Product and Data Science/Consumer Risk partners on system design and strategy development.
- Strong working knowledge of BSA/AML, OFAC, and FDIC regulatory requirements for banking institutions.
- Proven experience building or scaling fraud detection frameworks, analytics capabilities, and investigative operations.
- Deep subject matter expertise in fraud risk and financial crimes.
- Strong regulatory and compliance acumen.
- Experience in managing regulatory exams, audits, or third-party assessments related to fraud.
- Strong track record of leading and developing teams, including managers and individual contributors.
- Exceptional executive communication and presence, with the ability to influence cross-functionally and present effectively to senior leadership, boards, and regulators.
- Strategic thinking with strong analytical and data-driven decision-making skills.
- Demonstrated operational excellence and process rigor.
Added bonus if you have - Advanced degree - MBA or JD.
- Experience within auto finance, captive finance companies, or FDIC-regulated banking institutions.
- Familiarity with dealer/indirect lending fraud typologies.
- Experience implementing AI/ML-based fraud detection tools and identity verification platforms.
What we'll bringDuring your interview process, our team can fill you in on all the details of our industry-leading benefits and career development opportunities. A few highlights include:
- A work environment built on teamwork, flexibility, and respect
- Professional growth and development programs to help advance your career, as well as tuition reimbursement
- Team Member Vehicle Purchase Discount
- Toyota Team Member Lease Vehicle Program (if applicable)
- Comprehensive health care and wellness plans for your entire family
- Toyota 401(k) Savings Plan featuring a company match, as well as an annual retirement contribution from Toyota regardless of whether you contribute (if applicable)
- Paid holidays and paid time off
- Referral services related to prenatal services, adoption, childcare, schools and more
- Tax Advantaged Accounts (Health Savings Account, Health Care FSA, Dependent Care FSA)
- Relocation assistance (if applicable)
Belonging at ToyotaOur success begins and ends with our people. We embrace all perspectives and value unique human experiences. Respect for all is our North Star.
Applicants for our positions are considered without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, military or veteran status, or any other characteristics protected by law.
Have a question, need assistance with your application or do you require any special accommodations? Please send an email to .
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