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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 Senior Compliance Specialist, Risk Assessment is a key contributor within the second line of defense Compliance organization responsible for leading and executing the enterprise-wide Compliance Risk Assessment (CRA) program. This role is ideal for a strong “doer” with advanced knowledge of regulatory compliance, hands-on execution skills, and a bias for clarity, consistency, and impact. The role integrates compliance risk assessments with regulatory change impacts, control evaluations, and product/service risks.
This role will also support compliance risk taxonomy management, alignment to the Compliance Management System (CMS), and the development of data-driven reporting for senior leaders and regulators.
What you’ll do:
- Execute the annual Compliance Risk Assessment (CRA) across all business units, ensuring consistent risk scoping, regulatory mapping, and documentation standards.
- Integrate regulatory change management insights into the risk assessment process to reflect current and emerging risk trends and regulatory expectations.
- Collaborate with legal, product compliance officers, and first line risk leads to assess risk exposures tied to products, services, delivery channels, and regulations.
- Lead the design and maintenance of compliance risk libraries and taxonomies, ensuring alignment to federal/state laws and enterprise risk frameworks.
- Develop and maintain scoring methodologies for inherent risk, control effectiveness, and residual risk ratings using defensible and repeatable logic.
- Review and challenge business-unit risk assessments, ratings, and justifications; provide credible challenges and escalate discrepancies when necessary.
- Coordinate and facilitate walkthroughs, control discussions, and action planning with key stakeholders to remediate gaps and reinforce risk mitigation.
- Support linkages across compliance elements including control testing, issue management, regulatory change tracking, and compliance training.
- Produce executive-level dashboards and reporting that highlight risk posture, emerging risks, gaps, trends, and mitigation actions.
- Contribute to the continuous improvement of the CRA methodology, templates, and supporting tools to improve scalability, repeatability, and regulatory alignment.
What you’ll need:
- Bachelor’s degree in Business, Finance, Law, or related field.
- Minimum of 5 years of experience in regulatory compliance, legal, or compliance risk management in a bank or financial services company.
- Minimum of 3 years in a compliance or risk role within banking or financial services, with direct experience in compliance risk assessments.
- Proven ability to assess consumer and enterprise regulations (e.g., Reg E, Z, DD, FCRA, BSA/AML, ECOA, UDAAP) and translate into business impacts.
- Strong familiarity with CMS components including issue management, control testing, training, and regulatory change protocols.
- Experience working in the second line of defense with responsibility for oversight, challenge, and governance.
- Excellent analytical and writing skills; able to produce high-quality deliverables for internal and regulatory audiences.
- Adept at facilitating cross-functional discussions, documenting risk decisions, and driving accountability across stakeholders.
Nice to have:
- CRCM, CAMS, or CCEP certification are strongly preferred.
- Working knowledge of OCC 2017-43, OCC 2011-29, CFPB Examination Manual, and other regulatory guidance governing compliance risk and CMS.
- Experience conducting risk assessments that inform risk appetite, strategic risk planning, and regulatory reporting.
- Ability to interpret regulatory changes and their implications on existing controls, policies, and products.
- Prior experience with GRC platforms (e.g., ServiceNow) and regulatory inventory systems (e.g., Compliance AI, Regology, Cube).
- Familiarity with RCSA integration and risk/control rating methodologies.
- Experience preparing and supporting regulatory exam readiness or remediation workstreams.
- Demonstrated ability to operate in a fast-paced environment with evolving priorities and ambiguity.
- Proficient in Excel/(google)Sheets, PowerPoint/Slides, and data visualization tools for risk reporting.
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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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