Advanced Fraud Solutions Leadership with Ted Josephson Pt.1

Mar 4, 2026

Ted Josephson, VP of Bank Fraud and Credit Strategy at Synchrony Financial, is an experienced fraud and credit leader who builds enterprise fraud programs. He discusses shifting from investigator to strategic leader. He explores how fraud and credit must align, reframing controls as protection, leading at scale, staying tied to the frontline, and balancing speed with governance.

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ADVICE

Hire Great People And Get Out Of Their Way

Shift from investigator mindset to people-first leadership: hire strong talent, enable them, and invest in their growth.
Ted emphasizes caring for team members and being remembered for speaking wisdom into people's lives.

INSIGHT

When Fraud And Credit Blurs Treat It Clearly

Fraud and credit intersect in nuanced ways; Synchrony embeds fraud reporting into credit to simplify attribution.
Ted chose to treat many incidents as fraud loss for clear reporting and budgeting across the portfolio.

INSIGHT

Fraud's Lower Risk Tolerance Compared To Credit

Fraud teams are less tolerant of risky credit approvals because fraud losses lack revenue offset.
Ted notes fraud leaders prioritize avoiding losses where credit teams accept risk for acquisition and revenue.

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What is up fraud fighters and welcome to Fraud Forward.

In this episode we sit down with Ted Josephson, VP of Bank Fraud and Credit Strategy at Synchrony Financial, to talk about what advanced fraud solutions leadership really looks like when fraud prevention moves beyond reacting to threats and becomes part of enterprise strategy.

Ted’s path into the fraud space did not start in a fraud department. It started in banking operations working branches, call centers, and digital systems. That kind of experience shapes how leaders approach fraud prevention because they understand how financial institutions actually function day to day.

And that perspective matters.

Because strong fraud leadership is not just about stopping bad transactions. It is about building resilient teams, aligning fraud prevention with credit strategy leadership, and making strategic fraud decisions that protect both customers and institutions at scale.

Throughout the conversation we explore how enterprise fraud teams evolve as institutions grow and why fraud leaders must shift from tactical problem solving to long term strategy.

In this episode we discuss

• How fraud leaders transition from investigators to strategic decision makers

• Why enterprise fraud solutions require strong collaboration across fraud, credit, and risk teams

• What changes when organizations scale fraud prevention across millions of accounts

• Why the language fraud leaders use internally can shape executive decisions

• How modern fraud threats require both advanced technology and human judgment

This episode is for you if

• You lead banking fraud prevention teams and want to strengthen your fraud leadership strategies

• You work in credit risk, compliance, or financial crime teams navigating enterprise fraud decisions

• You support credit union fraud prevention programs and want insights from large scale fraud organizations

• You are building advanced fraud prevention programs and want to understand how leadership drives fraud prevention innovation

Fraud leadership today requires more than tools and alerts. It requires strategy, communication, and the ability to guide teams through uncertainty while fraud threats continue to evolve.

If you enjoy the conversation, make sure to subscribe to Fraud Forward on Spotify, Apple Podcasts, YouTube, or wherever you listen.

Stay vigilant, stay informed, and keep moving fraud forward.