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Who we are:
Shape a brighter financial future with us.
Together with our members, we’re changing the way people think about and interact with personal finance.
We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.
Position Summary:
The Business Controls Sr. Risk Analyst will support the First Line of Defense (1LOD) by playing a crucial role in establishing and maintaining a robust control environment across Operations. This role will partner with stakeholders to facilitate and drive the consistent implementation and execution of key Second Line of Defense (2LOD) Risk Management programs, including Risk and Control Self-Assessments (RCSA), Issue Management, and Risk Reporting.
This position requires an independent and proactive individual who will partner closely with risk owners and the broader 1LOD organization. The role involves collaborating with stakeholders to identify and develop effective controls to mitigate identified risks, assisting issue owners in enhancing control frameworks to prevent recurrence, and actively contributing to control testing engagements. A key aspect of the role involves creating and reviewing operational workflows to identify potential risks and map appropriate controls, as well as identifying control gaps and supporting remediation efforts in collaboration with operational teams.
Key Responsibilities:
Partner with stakeholders to identify, document, and assess relevant risks and controls
Conduct walkthroughs of business processes to document process flows and ensure effective controls are in place to mitigate risks
Manage issues and ensure timely and satisfactory completion of corrective action plans to address the root case and related control gaps
Conduct timely periodic reviews and updates of RCSAs to assess the design and operating effectiveness of controls based on control testing results, effectiveness of issue remediation, any updates to processes, etc.
Create and maintain risk management reports for various forums
Demonstrate strong relationship-building and communication skills in order to support consistent understanding, adoption, and high-quality execution of the enterprise risk management frameworks (policies, programs, processes, etc.) to promote a strong culture of risk management
Provide support to the stakeholders during oversight activities performed by 2LOD
Collaborate with the testing team to ensure testing scope comprehensive for identifying and mitigating risks effectively
Undertake ad-hoc duties, as needed, to support Business Controls.
Qualifications:
Bachelor’s degree
4+ years of relevant experience risk management, compliance, or audit
Experience in the banking and/or fintech industry
Understanding and experience working with the three lines of defense
Knowledge of banking products, processes, and regulations
Experience mapping complex processes and identifying control points
Self-motivated with strong ability to work independently with minimum oversight
Strong attention to detail
Well organized
Strong critical thinking and problem-solving skills
Ability to work under pressure, manage multiple tasks and competing priorities, meet deadlines, and adapt to change
Strong interpersonal, verbal, and written communication skills
Team player, ability to interact positively with management and colleagues
Strong collaboration and influencing skills
What the Team is Saying
SoFi Compensation & Benefits Highlights
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Parental & Family Support — Up to 12 weeks fully paid parental leave, paid caregiver leave, fertility/adoption resources, and subsidized backup childcare/eldercare are offered. Pet insurance and family-building support further broaden the coverage.
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Healthcare Strength — Medical, dental, and vision coverage is paired with company-paid short- and long-term disability and life insurance. Mental-health support via Modern Health and employer HSA contributions enhance overall health support.
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Leave & Time Off Breadth — Flexible vacation for exempt employees, generous PTO for non-exempt, paid holidays, and early-release “SoFi Fridays” expand time-off options. An additional 16 hours of paid volunteer time underscores community engagement.
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What We Do
SoFi wasn’t built to be a bank. Or a technology company. We were built for one mission: help people achieve financial independence so they can realize their ambitions. Redefining an entire industry isn’t easy work—and it’s not for the faint of heart. It takes a certain kind of team. People with diverse perspectives and expertise, united by a common sense of purpose. People willing to challenge assumptions but always do the right thing. People proving that innovation and responsibility don’t have to compete, but can come together to create something truly unconventional in the world. For the last eight years, we’ve been charting this new path forward. We call it The SoFi Way. At SoFi, we don’t just talk about culture: we live it. The SoFi Way is how we show up every day, how we make decisions, and how we build for our members, clients, and each other.
Why Work With Us
Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation Fintech company using innovative, mobile-first technology to help our members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront.
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Employees engage in a combination of remote and on-site work.
For the majority of our workforce who work on a hybrid schedule, the in-office requirement is a handful of days per month!
