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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.
The role:
The Operational Risk Challenge & Advisory Senior Analyst is a Second Line of Defense (2LOD) role responsible for providing credible challenges in accordance with SoFi’s Operational Risk Credible Challenge Standard. Thisrole moves beyond traditional oversight, acting as both a challenger and a strategic advisory partner. You will apply a deep understanding of operational risk to provide informed, independent, and constructive feedback of SoFi’s risk-taking activities, ensuring they align with the Company’s risk appetite and regulatory expectations. This is a unique opportunity to expand the Senior Analyst’s footprint and take on increased responsibility within a critical second line of defense (2LOD) function. The senior analyst will work independently with minimal supervision, using data and a risk-based approach to get to the truth. They'll run after and solve complex problems, helping to proactively address emerging risks and influence strategic decisions.
What you'll do:
- Lead and support a diverse set of 2LOD credible challenge activities, including Targeted Reviews, Operational Risk Issue Validations, Risk andControl Self-Assessment (RCSA) reviews, and New Activity Reviews
- Serve as a strategic partner to the business, providing consultation on risk mitigation strategies and offering independent insights into emerging risks and new business initiatives
- Proactively identify and communicate potential risks to management to gain alignment and ensure effective mitigation
- Assist in the continuous improvement of operational risk methodologies and practices, including the development of new approaches
- Collaborate with cross-functional partners to drive decisions and progress toward shared goals
- Maintain awareness of current regulatory/industry trends impacting the operational risk management program
- Maintain familiarity of, and technical expertise with, business unit(s) organizational structure, personnel, activities and products, new product development, financial performance, and risk and problem areas
What you'll need:
- Bachelor's degree
- 5+ years of relevant operational risk credible challenge, regulatory, examination or Internal Audit experience
- Understanding of control frameworks, testing methodologies, and risk assessments
- Proven ability to work independently with minimal oversight and manage multiple priorities in a fast-paced environment
- Excellent analytical and problem-solving skills with a track record of resolving the root causes of complex issues
- Highly effective interpersonal and communication skills with the ability to build trust and influence stakeholders
- Understanding of risk governance and the second line of defense processes used to review and challenge front line business unit risk management processes
- Familiarity with regulatory requirements and industry best practices
- Experience in banking and/or fintech industry, including regulatory experience
- Data visualization skills
Nice to have:
- Tableau data visualization and analysis
- Experience working in Google Docs, Sheets and Slides
- Advanced degree; relevant industry certifications, for example, CPA, CCRM, ACAMS; Certified Internal Auditor (CIA); ability to drive innovation, new practices; experience interacting with regulators (Federal Reserve, OCC, CFPB)
- Multi-lingual (Spanish)
Skills Required
- Bachelor's degree
- 5+ years of relevant operational risk credible challenge experience
- Understanding of control frameworks and risk assessments
- Excellent analytical and problem-solving skills
- Highly effective interpersonal and communication skills
- Understanding of risk governance and second line of defense processes
- Familiarity with regulatory requirements
- Experience in banking or fintech industry
- Data visualization skills
- Experience working in Tableau
- Experience with Google Docs, Sheets, Slides
- Advanced degree or relevant industry certifications
- Experience interacting with federal regulators
- Multi-lingual (Spanish)
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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SoFi Offices
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!
