Job Description: Merrill Wealth Management is a leading provider of comprehensive wealth management and investment products and services for individuals, companies, and institutions. Merrill Wealth Management is one of the largest businesses of its kind in the world specializing in goals-based wealth management, including planning for retirement, education, legacy, and other life goals through investment advice and guidance. Merrill’s Financial Advisors and Wealth Management Client Associates help clients pursue the life they envision through a personal relationship with their advisory team committed to their needs. We believe trust comes from transparency. Our trusted advisory teams are equipped with access to the investment insights of Merrill coupled with the banking convenience of Bank of America. Merrill is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. At Merrill, we empower you to bring your whole self to work. We value the unique perspectives in our thoughts, business, and within our employees and clients. Our Wealth Management team represents an array of different skills and experiences that individuals bring from all backgrounds and careers; whether gained through military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve. Internal employees who are currently working from home are still eligible to apply. However, if selected for the role, you may be required to work onsite in accordance with the workplace excellence policy. Job Description: This role provides end-to-end authentication oversight for Brokerage products and digital channels. Responsibilities include evaluating authentication controls, monitoring customer verification and step-up authentication performance, reviewing fraud and scam losses for authentication or process gaps, and recommending targeted control enhancements. The manager ensures monitoring is in place, issues are documented and escalated, remediation is tracked, and authentication controls operate in accordance with established requirements and best practices. The role also develops and validates fraud variables and authentication indicators used in detection and decisioning. The manager provides authentication requirements, coordinates testing, validates control performance before and after implementation, and supports network mandates, product changes, technology releases, and internal control enhancements that affect customer authentication. Job Responsibilities: Lead end-to-end oversight of digital authentication controls across supported Brokerage products and channels Assess and document the current authentication framework, including control design, customer journeys, dependencies, and known gaps Monitor authentication health and performance to identify anomalies, adverse trends, control degradation, and out-of-pattern activity Review fraud, scam, account takeover, and third-party loss cases to identify authentication defects or procedural gaps Define authentication requirements and acceptance criteria for product changes, technology releases, network mandates, and control enhancements Coordinate testing and validation of authentication controls, fraud variables, rules, and decision outcomes before and after implementation Track authentication issues, vulnerabilities, remediation plans, and control performance through closure Oversee authentication governance, vendor or contract obligations, channel monitoring, and recurring control reporting Evaluate authentication capabilities and intelligence that strengthen security while supporting a consistent customer experience Partner with product, technology, operations, fraud, and business control teams to resolve authentication issues and maintain effective controls Required Skills: Minimum 5 years of fraud, digital authentication, identity verification, account takeover, or related risk experience in Banking or Brokerage products Working knowledge of authentication methods and controls, including multifactor authentication, step-up authentication, out-of-band verification, device and behavioral signals, and customer identity verification Experience assessing authentication control effectiveness, documenting gaps, coordinating remediation, and monitoring operational performance Expertise in fraud detection and management platforms, including SAS Fraud Management and development of user-defined variables for rule or decisioning logic Advanced proficiency in SQL and SAS, with the ability to investigate authentication events, fraud patterns, control outcomes, and exceptions Strong organizational, project management, testing, documentation, and communication skills, with the ability to translate fraud risks into clear authentication requirements Bachelor's degree preferably in a quantitative or technical discipline such as mathematics, statistics, operations research, engineering, computer science, finance, or business; Tableau reporting experience preferred Shift: 1st shift (United States of America) Hours Per Week: 40 Pay Transparency details US - NJ - Pennington - 1400 American Blvd - Hopewell Bldg 4 (NJ2140) Pay and benefits information Pay range $115,000.00 - $150,000.00 annualized salary, offers to be determined based on experience, education and skill set. Discretionary incentive eligible This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company. Benefits This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve. Bank of America is committed to help employees through the transition period when they’re displaced as a result of a workforce reduction, realignment or similar measure. Please review the resume writing and interviewing tips provided below to help prepare you for your next career opportunity. Getting started Regardless of the position you are interested in, the starting points to building your resume are the same: 1. Determine the job or types of jobs you want to do and research their responsibilities and qualifications. 2. Think about why you can do the job and make a list of your skills that are relative to the job. 3. Identify experiences or accomplishments that show your proficiency in the skills required for the job. 4. Summarize your abilities, accomplishments and skills into a brief, concise document. Considerations when writing a resume • Do be brief. Resumes should be 1-2 pages in length. • Do be upbeat and active in your wording. • Do emphasize what you have done clearly and concretely. • Do be neat and well organized. • Do have others proofread and critique your resume. Spell check. Make it error free. • Do use high quality, white or light colored 8½ x 11 paper. Use a laser printer if possible. • Don't be dishonest, always tell the truth about yourself in the most flattering light. • Don't include salary history or requirements. • Don't include references. • Don't include accomplishments that do not support your professional goals. • Don't include anything that isn't relevant. (For example, don't mention your fondness for swimming unless you want to work on the water.) • Don't use italics, underlining, shadows or other fancy treatments. Seven steps to a successful interview 1. Anticipate –Put yourself in the interviewer's position. What do you believe the interviewer is most interested in? Why do you think you have been invited to interview? 2. Research –What are the primary functions of the line of business? What are the success factors for the job? Is there a job description available? 3. Assess –Think about your skills, abilities, knowledge, interests, traits, values and accomplishments. Match them to what you know about the job. Consider which ones you should highlight. 4. Prepare Answers –Think about what the interviewer may ask, determine what the best answer is and write it down. 5. Prepare Questions – Interviewing is a two-way street. By asking thoughtful questions, you communicate your interest and learn a lot about the job. Choose two or three questions to ask your interviewer. Avoid asking a lot of questions about vacation time or breaks. 6. Practice – It may seem awkward, but it is the best way to come across well in an interview. Practice your own "great responses" with others or in front of a mirror until you appear relaxed and at ease. 7. Follow-up – Send a brief follow-up letter to the interviewer. Keep in mind that the many job searchers will not send a follow-up letter. Sending one can become a competitive advantage. Pay Transparency - https://careers.bankofamerica.com/en-us/pay-transparency Privacy Statement - https://careers.bankofamerica.com/en-us/privacy-notice

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