Ryan Steen, Cfe Email & Phone Number

Tukwila, Wa, Us

As a strategic leader at BECU, I drive the development and execution of innovative digital identity and fraud solutions. Leveraging over seven years of expertise in product strategy and management, I lead cross-functional teams to deliver market-leading products that align with our members' needs and enhance BECU’s competitive positioning. My work is grounded in a deep understanding of industry trends, member insights, and a commitment to our people-helping-people philosophy.• Develop and implement comprehensive product strategies for digital identity and fraud prevention solutions.• Lead cross-functional teams in executing product initiatives, ensuring alignment with BECU’s goals and member needs.• Analyze market trends and competitive positioning to identify opportunities and threats for BECU.• Manage product lifecycles from ideation to launch, including pricing, forecasting, and member engagement.• Collaborate with Fraud Governance, Fraud Operations, and Product Management teams to enhance BECU’s product offerings.• Conduct member and market research to inform product development and marketing strategies.• Present product strategies and outcomes to executive leadership, driving informed decision-making.

Minneapolis, Mn, Us

Oversaw the governance of the first line Fraud Risk Management Program to ensure fraud was being evaluated, reported, and mitigated in accordance with the Fraud Risk Management Policy and applicable laws and regulations. Worked directly with the various business leaders, fraud stakeholders, and other key business partners to share fraud data analysis, information, and best practices. Implemented new or revised risk and control initiatives to mitigate internal and external fraud. • Established and evaluated fraud key risk and performance indicators.• Conducted quarterly fraud forecasting.• Served as Fraud Subject Matter Expert (SME) for front line and second line business partners, reviewed and provided input on quarterly RCSAs (Risk Control and Self-Assessment).• Identified and reported on fraud losses, emerging issues, trends etc.• Proposed process, procedure, and technology solutions to fraud issues.• Participated in various fraud forums, initiatives, and activities to identify opportunities for new or improved controls, processes, training needs, or technology enhancements.• Developed and promoted frontline training and preventative fraud culture.

Tukwila, Wa, Us

Ensured that enterprise-wide fraud initiatives and processes were executed in a coordinated and well-managed fashion, in support of effective management of fraud risk. Created and owned BECU’s Enterprise Fraud Tool Strategy.• Represented Fraud Governance and Fraud Operations in all enterprise initiatives. • Directed the Fraud Modeling and Analytics team, assisted in defining fraud KPIs and risk appetites for products/projects.• Established and maintained the Enterprise Fraud Tool Strategy covering taxonomy, risk ranking, assessment, and ownership criteria.• Governed the Fraud Tool Standard, ensuring consistent analysis, refinement, and enhancement of vendor and in house tools.• Ensured fraud controls were defined and established in alignment with risk appetites for new and existing business initiatives in partnership with the Enterprise Risk Management group.• Partnered with product, channel, and fulfillment functions in overseeing change control in defining and executing fraud requirements.• Maintained a comprehensive understanding of the organization’s products and services in relation to fraud risk and trends.

Tukwila, Wa, Us

Provided second line oversight and worked cross-functionally to detect areas of exposure for fraud & cyber risk. Provided support to business units and guidance on first line controls to implement and mitigate the operational risks. Oversaw the governance of Fraud Operations: Financial Crimes Investigations, BSA/AML Enforcement, & Card Fraud Portfolio.• Established a fraud & cyber risk oversight framework for all products, channels, operations, and servicing functions.• Improved the Credit Union’s ability to refine strategies, manage fraud & cyber risk, and balance member friction. • Developed a comprehensive understanding of each product and service offered, creating and implementing fraud risk assessments for new and existing products and services.• Identified and recommended necessary fraud & cyber controls, while consulting with executive leadership and business partners to provide the necessary data to support the recommendations.• Conducted root-cause analysis, directed event management/escalation, and risk governance. Maintained strong comprehension of root cause analysis skills, industry related information and trends.• Cultivated multiple business relationships across the organization, including communications with the board, executive management team, process managers, and relevant committees.

Tukwila, Wa, Us

Researched, documented, and recommended mitigation strategies related to investigations of ATM, application, check forgery, credit, debit, loan, identity theft, P2P, digital wallet and other fraud and scam related activities. Focused on all fraud and scams committed by a member or non-member using products or services to fraudulently obtain monies at the expense of BECU or BECU members.• Identified and analyzed fraud trends, establishing controls to mitigate losses.• Provided data analytics around fraud. Presented to the board, executive management team, process managers, and committees.• Partnered with local and federal law enforcement to build cases and prosecute fraud rings.• Troubleshot tools related to cyber threats and responded to security events alongside the Cyber SOC (Security Operations Center).• Implemented and managed an identity theft prevention program per FACTA (Fair and Accurate Credit Transactions Act).

Tukwila, Wa, Us

Served as a trusted advisor to BECU members. Created an outstanding experience by resolving needs and delivering expertise in financial services.• Developed and maintained a leadership communication advisor role for Seattle District, improving communication and moral as noted through the annual HR employee Insights survey.• Promoted to Regional Support Lead. Traveled and supported Neighborhood Financial Centers (NFC), substituting for leadership to ensure escalation support.• Delivered loan origination levels of 119.40% to target for yearly review.

Dublin, Ca, Us

Accounted for all phases of store operations. Recruited, trained and developed 6-person management team and over 50 associates in an $8M store.• Improved payroll efficiency through effective communication, training, and staffing resulting in 5% monthly margin increase.• Developed area supervisor to assistant store manager through performance management, recognition, and mentoring.• Retrained leadership team, creating a customer service focused culture resulting in 20% YOY improvement in service results as seen through customer survey.

Minneapolis, Mn, Us

Directly managed five salaried leaders and oversaw all store operations, reported directly to store manager. Lead positive change through talent, operational, and shortage awareness initiatives.• Increased sales by 14.3% in 2012, from $47.8M to $55M by developing successful peak season store sales strategy resulting in $7.1M of profit.• Analyzed business trends, forecasted sales and payroll allocation, beating payroll goals by 2.3% YOY.• Reduced staff turnover by 6.34% in 2013, by implementing communication, recognition, and talent development cultural changes.• Reduced operational, external and internal loss; from $427k to $257k through implementing leadership routines, superior merchandise in-stocks, brand merchandising, and a customer focused culture.

Minneapolis, Mn, Us

Promoted to manage both shortage reduction and positive customer service culture for store. Managed six leaders and 50+ team members in a $38.5M revenue store. Partnered with peers to create a shortage reduction environment by driving a customer first culture.• Achieved highest results out of 64 stores for Target credit card enrollment through training, recognizing, and developing employees• Elevated store’s guest-satisfaction rating by 9% by creating a customer focused environment as seen in customer survey• Reduced operational, external and internal loss; $427k to $257k through implementing leadership routines, superior merchandise in-stocks, brand merchandising , and a customer focused culture

Minneapolis, Mn, Us

Enhanced profitability, customer experience, and business reputation by minimizing loss and providing secure environments. Oversaw $3.5M of product and collaborated with 6-person management team to oversee 160 employees and operations of a $38.5M business.• Improved inventory allocation to deliver a 7.41% improvement, an overall gross margin increase of 2.38%• Promoted as District Resource of Asset Protection for 16 Target locations statewide. • Maintained 16 controllable expense budget which improved overall district profit margin by $20M annually