LIBRARY

Organizational Chart Library: Fraud

This Library of fraud organizational charts shows how fraud teams are structured across U.S. and U.K./EU financial institutions of varying sizes. The org charts help leaders benchmark their organizational models, understand how fraud staffing and governance shift as first- and second-line functions mature, and anchor planning conversations with executives and partners in real-world structures.

Ways to Use This Library

  • Compare your fraud team’s structure against real-world examples from banks of a similar size in the U.S. or U.K./EU
  • Use the charts to anticipate how fraud roles and 1LOD/2LOD reporting lines may need to evolve as your institution grows
  • Check whether your current design accounts for regulatory drivers, such as APP fraud reimbursement, Consumer Duty, and PSD2, that apply to your region
  • Download the org chart for your region and asset-size segment, then work through it alongside your team or your Datos Advisor
Fraud Org Chart Best Practices

Use these points to guide how you interpret and apply the org charts in the Library to your team:

1.

Use charts as conversation starters, not prescriptive models.

Each bank organizes fraud prevention differently based on risk appetite, regulatory regime, and internal structure. Org charts reflect these differences and are most useful as directional references.

2.

Focus on functions, not job titles. 

Title conventions vary widely. Understanding which responsibilities sit where is more valuable than matching naming conventions.

3.

Pay attention to reporting lines. 

Reporting structures reveal first-line/second-line separation, decision-making authority, and how fraud interacts with AML/Compliance, Technology, Legal, and Customer Experience.

4.

Use staffing patterns to inform resource planning.

As banks grow, teams often move from consolidated fraud/BSA leadership to dedicated 1LOD and 2LOD functions, and add roles in analytics, AI/ML, and platform technology. These patterns can help teams anticipate future needs.

5.

Combine org charts with internal context. 

Charts are most powerful when used alongside knowledge of your institution’s goals, challenges, and growth plans. They are designed to illuminate possibilities and inform discussions.

6.

Partner with your Datos Advisor. 

The organizational charts we’ve curated are just the start. If you want to dive deeper under the guidance of the Datos team, reach out to your Advisor.

The following patterns represent common structures and role groupings that emerge across fraud organizations as financial institutions scale. These are derived from org chart analysis by the Datos Insights Fraud & AML Practice and focus specifically on the fraud function. 

Shared functional components:

  • Fraud Strategy & Policy (2LOD)
  • Fraud Operations & Investigations (1LOD)
  • Fraud Analytics & Data Science
  • Fraud Technology & Tools
  • Fraud Alert & Case Management
  • Legal & Disputes (Reg E/APP)
  • Customer Experience/Contact Center

Shifts as banks grow:

  • Governance layers broaden, often culminating in a C-suite financial crime executive 
  • Consolidated fraud/BSA leadership separates into distinct 1LOD and 2LOD functions 
  • Analytics teams expand into dedicated data science and AI/ML functions 
  • Fraud technology matures into a dedicated platform and vendor management function 
  • Investigations teams split by channel and case complexity 

Variations by segment:

  • U.K. and EU banks add roles shaped by local mandates, including APP fraud reimbursement (U.K. PSR 2024), Consumer Duty (FCA), and PSD2/3 Strong Customer Authentication 
  • Smaller banks consolidate fraud leadership, often shared with adjacent BSA/AML compliance, under a few leaders 
  • Regional and large banks begin separating 1LOD operations from 2LOD risk governance 
  • Enterprise and global banks add dedicated AI/ML teams and often align fraud with AML and cyber peer functions under shared executive oversight 

How are organizational charts sourced?

The charts for the Fraud Library are compiled through Datos’ ongoing research and advisory engagements and anonymized before publication.

How often are organizational charts updated?

Charts are updated periodically as new information becomes available or as institutions restructure. Datos welcomes and encourages input and feedback as this also informs the charts and structures in the library. 

Can I request additional organizational charts?

Subscribers may submit requests to their Datos Advisor. If you’re in need of something specific or not represented here, it’s best to work with the Datos team directly. 

Are these charts recommendations or best practices?

No. They are a compilation of observations that reflect real-world organizational models used across the industry. The charts are intended for benchmarking and planning, not as prescriptive guidance. 

Do charts show full enterprise structure?

No. Each chart focuses on the fraud function and related supporting teams, such as AML/Compliance, Legal, and Technology. 

How do U.S. and U.K./EU fraud org charts differ?

U.K. and EU charts reflect region-specific regulatory drivers, including the UK PSR 2024 APP fraud reimbursement mandate, FCA Consumer Duty, and PSD2/3 and DORA requirements, that shape roles not typically found in U.S. equivalents.

Clients of Datos Insights’ Fraud & AML practice can log in to download the full organizational charts for each bank segment.