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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.
This role sits within the Fraud Management Center of Excellence (COE) and is responsible for defining and executing fraud strategies and policies to minimize debit and credit card losses while delivering an exceptional member experience.
The Director of Card Fraud owns key strategic focus areas and contributes to broader departmental strategy. This leader will provide thought leadership to develop best-in-class policies across card declines, verification strategies, dispute intake, and dispute resolution—while ensuring compliance with applicable regulations.
What You’ll Do- Develop and implement fraud strategies to mitigate card fraud, including unauthorized transactions, merchant disputes, provisional credit policies, and dispute resolution
- Lead and develop a team of individual contributors and managers, including hiring, performance management, and career development
- Partner cross-functionally with Fraud Analytics, Operations, Product, Engineering, and business leaders to implement fraud prevention strategies
- Build and enhance analytical frameworks and metrics to proactively identify, quantify, and assess fraud risk
- Lead investigations into suspected fraudulent activity, coordinating with internal and external stakeholders
- Make final decisions on strategy implementation and ensure operational effectiveness for the Card Fraud function
- Establish and maintain a fraud risk management framework, including policies, procedures, and controls
- Ensure compliance with applicable regulations and industry standards, including Regulation E and Regulation Z
- Analyze fraud trends and emerging patterns to inform proactive mitigation strategies
- 10+ years of experience in fraud risk management, financial crime investigations, or a related field
- Strong subject matter expertise in debit and credit card fraud and disputes
- 5+ years of people management experience
- Strong analytical and problem-solving skills, with the ability to analyze complex data and identify patterns
- Proficiency in data analysis tools and languages such as SQL, Python, or R
- Excellent written and verbal communication skills, with the ability to clearly articulate findings and recommendations
Skills Required
- 10+ years of experience in fraud risk management or financial crime investigations
- 5+ years of people management experience
- Strong analytical and problem-solving skills
- Proficiency in data analysis tools and languages such as SQL, Python, or R
- Excellent written and verbal communication 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.
SoFi Insights
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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Hybrid Workspace
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!
