Note: The job is a remote job and is open to candidates in USA. First Citizens Bank is undergoing a bold digital transformation, aiming to modernize customer service through innovative technology. The Senior CIAM Solutions Designer will be responsible for creating secure and effective identity and fraud solutions, collaborating with various teams to ensure compliance and enhance customer experience.

Responsibilities

• Design end-to-end CIAM and fraud-aware identity solutions:
• Authentication and federation (OAuth 2.0, OIDC, SAML)
• Okta Identity Engine for adaptive, risk-based authentication
• Universal Directory for customer identity profiles and attributes
• Multi-factor authentication (MFA), step-up and recovery flows
• Design identity flows that integrate fraud signals and outcomes into:
• Digital onboarding and identity proofing
• Login and re-authentication journeys
• High-risk transactions and step-up scenarios
• Produce clear and consumable solution design artefacts including architecture diagrams, sequence flows, integration patterns, and non-functional requirements
• Design integrations between Okta CIAM and:
• Mobile and web banking platforms
• API gateways and backend services
• Fraud decision engines and monitoring platforms
• Customer data and CRM systems
• Ensure solutions support high-volume, low-latency digital traffic with appropriate resilience and failover
• Balance security controls with friction-aware customer experience
• Partner with Fraud Operations to ensure solutions support effective monitoring and resolution
• Embed security-by-design, privacy-by-design, and compliance-by-default principles in all solutions
• Ensure alignment with financial services regulations and policies related to:
• Strong Customer Authentication (SCA)
• Data protection and privacy
• Fraud prevention and operational risk
• Design secure management of credentials, secrets, encryption, tokens, and keys
• Support design governance, threat modelling, audits, and regulatory reviews
• Work closely with engineering and delivery pods to:
• Translate designs into epics, features, and backlog items
• Provide ongoing design assurance during build and test
• Resolve design trade-offs and integration challenges
• Ensure CIAM and fraud solutions are implementable, testable, operable, and resilient
• Contribute to reusable patterns, reference architectures, and playbooks for identity and fraud
• Act as the CIAM & Fraud solution design authority within initiatives and delivery squads
• Collaborate with Product, UX, Fraud, Cyber Security, Risk, and Operations teams to align designs to outcomes
• Clearly communicate technical solutions, risks, and trade-offs to senior and non-technical stakeholders

Skills

• Bachelor's Degree and 8 years of experience in Software application development OR High School Diploma or GED and 12 years of experience in Software application development
• Experience as a Technology Solutions Designer, Solution Architect, or Senior Engineer within financial services
• Minimum 3-5 years experience with at least one major programming language (e.g. Java, Python, Go, etc.)
• Hands-on experience designing Okta-based CIAM solutions
• Strong understanding of fraud prevention, risk-based authentication, and secure digital journeys
• Experience working within agile, product-aligned delivery models
• Familiarity with regulatory, audit, and operational risk expectations
• Strong CIAM and fraud-aware identity design expertise
• Deep understanding of Okta architecture and configuration concepts
• Ability to balance customer experience, security, and fraud controls
• Excellent documentation, diagramming, and stakeholder communication skills
• Pragmatic, delivery-focused mindset with attention to detail
• OAuth 2.0, OpenID Connect, SAML
• Fraud signal integration and risk-based decisioning
• Strong understanding of REST APIs, event-driven architectures
• Experience of Cloud platforms (AWS, Azure, GCP)

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