Subhi Salim
Salt Lake City
Summary
Extensive financial industry experience with a focus on Fraud controls and strategy analytics for the past 8 years. As the Head of Fraud Controls Strategy and Analytics at City National Bank (part of RBC), Subhi was responsible for building and managing the fraud data analytics team to mitigate for various external fraud risks in both digital and non-digital user channels. Throughout their career, they have leveraged big data interpreting and visualizing skills to identify control, product, and process gaps and provide insightful information to drive business decisions.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Head of Fraud
Mountain America Credit Union (MACU)
Salt Lake City
06.2025 - Current
- Leads and manages 5 specialized teams: Fraud Analytics & Strategy, Implementation & Delivery, Investigations, Disputes, Fraud Intake, and Alerting Operations.
- Tasked with uplifting the fraud function to industry standards by designing and implementing a new organizational structure, roles, and responsibilities.
- Developed the fraud vision and strategic roadmap for 2026, securing senior leadership support and sponsorship.
- Successfully sold the vision to executives and began execution, including key technology and process enhancements.
- Built and hired high-performing teams, attracting top talent to strengthen fraud prevention and operations.
- Leveraged data analytics and ML modeling to reduce fraud losses by 30%, driving measurable results through collaboration with existing fraud teams.
Senior Vice President - Head of Controls Strategy and Analytics
City National Bank (Royal Bank of Canada)
Los Angeles
08.2023 - 06.2025
- Led a group of highly skilled data scientists with various expertise in advanced data analytics and Machine Learning in creating robust fraud controls and models for fraud prevention and detection.
- Conducted instrumental analysis and fraud/risk investigation in making business decisions and worked closely with Senior Management and different stakeholders.
- Built a new fraud controls, advanced analytics, and data science function from scratch for the entire enterprise fraud organization where the function didn't exist before.
- Managed and oversaw the creation and modification of detective controls and statistical models with my Data Scientists.
- Continuously assessed current controls and solutions (both internal and vendor) to ensure their effectiveness.
- Managed and oversaw the effort to create a unified platform for the fraud data analytics team where all fraud-related data is consolidated in one location, and the platform can support ML and complex data problems.
- Led the effort to consolidate all existing rules engines into one platform and create needed profile attributes to trigger alerts, which helped create across-channel controls and build sophisticated controls.
- Created procedures for several processes, including rules approvals, new initiatives intake, controls implementation, data onboarding, and root cause analysis investigation.
- Handled vendor relationship management, enhancements, assessment, and oversight.
- Coordinated efforts across a broad spectrum of stakeholders (Operations, Risk, AML, Model Risk Management, Internal Audit, Compliance, Legal, Investigations, Product, Sales and Service) and supporting teams (Technology, Cyber Security, Threat Intelligence, Vendors and Service Providers).
Senior Manager - Fraud Auth Strategy and Data Science Lead
Discover Financial Services
Chicago
02.2023 - 08.2023
- Led a group of highly skilled data scientists in creating authentication strategies for fraud prevention and detection.
- Conducted instrumental analysis and fraud/risk investigations in making business decisions, working closely with Senior Management and stakeholders.
- Oversaw the creation and modification of detective controls and statistical models with data scientists.
- Produced and defined reports and metrics for senior executives regarding fraud incidents, losses, and trends for the firm's risk and governance committees and C-level management.
- Led the implementation of Pindrop Voice Biometrics controls for fraud detection and authentication via the phone channel.
- Managed the implementation of BehavioSec for online fraud detection, working with multiple teams for a successful initiative.
- Created procedures for several processes, including rules approvals, new initiatives intake, credential stuffing attacks, and controls implementation.
- Managed the team's book of work using Jira and implemented metrics to measure team success.
- Led the effort to reduce the challenge rate on several channels (phone, online, IVR, eWallets, SRC).
- Collaborated with cross-functional groups like Product Management and Data Engineering/Technology to create a roadmap for implementing a passwordless flow using QR codes and passKeys.
Vice President - Digital Fraud Analytics
E*TRADE/Morgan Stanley Wealth Management
Salt Lake City
06.2016 - 02.2023
- Led a team of data scientists and analysts in creating strategies for fraud prevention and detection and conducting instrumental analysis and fraud/risk investigations.
- Collaborated with cross-functional groups to identify high-impact analytics use cases for building effective fraud controls and increasing efficiency.
- Managed and worked closely with data scientists to create Machine Learning models to capture emerging threats and new trends not captured by rule-based controls.
- Successfully implemented several models, including a credential stuffing attack model, a new account fraud detection model, and a first-party fraud model.
- Led the effort for fraud data migration into AWS for fraud analytics and data science work, bringing all data to one central location.
- Built complex SQL queries and stored procedures in AWS and Sybase IQ to convert business requirements into data with insights and owned ad-hoc data process requests.
- Built many comprehensive dashboards and reports using Tableau, Bi-portal, Power BI, Kibana, and Sybase Lumira.
- These dashboards empowered many business decisions and gave senior management great insight into key trends in the digital space.
- Led the creation and implementation of different fraud strategies to combat existing and emerging fraud and cyber threats.
- Designed, built, and tested multiple RPA Bots (Robotic Process Automation), resulting in a reduction of manual efforts and increased accuracy.
- Worked closely with data scientists to create Machine Learning models to effectively capture emerging threats and new trends not captured by rule-based controls.
- Managed the creation and management of different fraud controls throughout the lifecycle of a customer account, mitigating risks from various channels (digital and non-digital) and activity types (ACH, Wire, Checks, Debit Card, RTP, Bill Pay, Zelle, Crypto, and Trades).
- Provided oversight in the ongoing monitoring of fraud controls, ensuring proper implementation and gap mitigation.
- Managed the team's deliverables using Agile methodology.
- Provided technology requirements and design in partnership with the Project Management team to ensure proper end-to-end implementation of projects, including user acceptance testing (UAT).
Service Review Unit Associate
Morgan Stanley Wealth Management
Salt Lake City
09.2013 - 06.2016
- Worked closely with regional and complex teams and internal departments to provide support through various systems to ensure disbursement activity was appropriately approved.
- Worked with SRU Regional leaders to resolve issues encountered during disbursement request processing.
- Ensured compliance with the Authority's financial policies and procedures (SEC, FINRA, IRS, FDA, OFAC, AML), which involved the proper commitment of funds and adherence to systems of control.
- Worked with different transaction types (ACATS, ACHS, Checks, Domestic and international Wires, Retirement Dist, Internal Journals, Death dist, and processing) and account types (Trust, Single, Joints, UTMA, UGMA, IRA, RPM, VIP, Custodian, etc.).
- Reviewed and resolved complex tax issues regarding different transactions and products to ensure compliance with IRS tax guidelines.
- Provided presentations to the team during meetings about new updates and common issues.
- Helped Regional Business Analysts and Regional leaders with auditing, reviewing, and creating business reports.
- Helped new hires learn MS systems and how to process and mentored them.
DPL Sr. Underwriter
Discover Personal Loans
Salt Lake City
09.2012 - 08.2013
- Reviewed loan applications and documents to determine if customers were likely to repay their loans, according to company regulations and policies.
- Reviewed credit reports, income documents, tax returns, employment documents, and identity before submitting them to the underwriting team.
- Helped the company attain the highest customer service ratings, earning 100% marks in categories including communication, listening, problem resolution, and politeness.
- Requested missing documents from customers.
- Followed up on assigned loans regularly.
- Managed a pipeline of 100+ mortgage and personal loans.
- Was the 2nd top performer for 6 months in a row.
Customer Service Rep
Xerox
Salt Lake City
10.2010 - 08.2012
- Served as a subject matter expert and was responsible for preparing reports and managing records.
- Handled representatives' escalated calls.
- Provided product knowledge relating to customer requirements.
- Helped the billing department with figuring out billing problems.
Education
Master of Science - Business Management (Healthcare Administration)
Stevens Henager College
Salt Lake City, UtahBachelor - Biomedical Engineering
Jordan University of Science and Technology
Salt Lake City, UtahSkills
- SQL,Python, SAS, JAVA, Visual Basic Tableau, Business Objects, SAP Predictive Analytics, Lumira, Angoss, Aqua, SQL Developer, Kibana, Hadoop Dataiku, Drools, Jira, Confluence, Bitbucket, UiPath (RPA), Excel (Advance), Tibco Data Virtualization, Spotfire, Visio, SnowFlake, GetHub, AirFlow, AWS (S3, Sage Maker), SQL Server, SalesForce, Ouster RSA (Adaptive Auth), Pindrop (IVR, Protect, Voice Biometrics), Actimize, Prove, IBM Trusteer، Hyper, ThreaMatrix, BehavioSec, BioCatch, NeuStar, Q6, Gemini, Socure, Shape, Akamai, TSYS, VISA (VCAS, VRM, VBV), FIS SQN, IBM Safer Payment, FlashPoint, ASI 16 and 19, BAE NetReveal, Gaurdian Analytics
Certification
- Finra SIE
- Finra Series 99
- Advance Robotic Process Automation (RPA)
Timeline
Head of Fraud
Mountain America Credit Union (MACU)
06.2025 - Current
Senior Vice President - Head of Controls Strategy and Analytics
City National Bank (Royal Bank of Canada)
08.2023 - 06.2025
Senior Manager - Fraud Auth Strategy and Data Science Lead
Discover Financial Services
02.2023 - 08.2023
Vice President - Digital Fraud Analytics
E*TRADE/Morgan Stanley Wealth Management
06.2016 - 02.2023
Service Review Unit Associate
Morgan Stanley Wealth Management
09.2013 - 06.2016
DPL Sr. Underwriter
Discover Personal Loans
09.2012 - 08.2013
Customer Service Rep
Xerox
10.2010 - 08.2012
Master of Science - Business Management (Healthcare Administration)
Stevens Henager College
Bachelor - Biomedical Engineering
Jordan University of Science and Technology