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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.
SoFi is seeking a Senior Staff, Fraud Strategy Analyst to assess, quantify, and mitigate fraud and operational risk associated with debit card authorization activity across SoFi's card ecosystem. This individual contributor will be responsible for conducting quantitative and qualitative risk assessments, evaluating the effectiveness of risk controls, identifying areas of potential loss or exposure, developing risk mitigation strategies, and partnering across Fraud Strategy, Fraud Operations, Product, Engineering, Data, Disputes, Compliance, Risk, and vendor teams.
You will focus on debit card authorization risk across account takeover, wallet and tokenized transactions, 3DS, card-not-present, card-present, ATM activity, high-risk merchants, and override treatments. You will work closely with Fraud Strategy, Fraud Operations, Product, Engineering, Data, Disputes, Compliance, Risk, and vendor partners to move from insight to controlled execution.
What you’ll do- Own fraud strategy analysis and recommendations for debit card authorization controls.
- Analyze transaction, alert, dispute, chargeback, rule, device, profile-change, wallet, 3DS, merchant, and loss data.
- Develop and optimize fraud rules, thresholds, treatments, exclusions, and monitoring plans.
- Evaluate rule effectiveness, false positives, customer friction, operational impact, and residual risk.
- Partner with platform and vendor teams to implement, validate, and monitor strategy changes.
- Document strategy decisions, rule logic, test results, governance approvals, and post-implementation outcomes.
- Build executive-ready recommendations that balance fraud loss reduction, member experience, operational feasibility, and governance requirements.
- Support durable reporting and control observability so leaders can understand fraud trends, rule health, and customer impact.
- 12+ years of experience in fraud strategy, fraud analytics, card fraud, payments risk, financial crimes, or related risk analytics.
- Strong SQL skills and experience working with large transaction-level datasets.
- Experience analyzing rule, alert, transaction, dispute, fraud loss, or authorization data.
- Ability to evaluate fraud controls using quantitative performance metrics and qualitative risk judgment.
- Strong communication skills and ability to influence cross-functional stakeholders.
- Strong ownership mindset and ability to drive strategy work from analysis through implementation and monitoring.
- Debit card, credit card, payment authorization, or issuing processor experience.
- Experience with PRP, DataVisor, Snowflake, Tableau, or similar platforms.
- Experience with ATO, wallet/tokenized fraud, 3DS, CNP, CP, ATM, merchant/MCC risk, scams, or dispute abuse.
- Experience in regulated financial services, including fraud governance, audit, SLOD, or compliance-facing documentation.
Skills Required
- 12+ years of experience in fraud strategy, fraud analytics, card fraud, payments risk, financial crimes, or related risk analytics
- Strong SQL skills
- Experience working with large transaction-level datasets
- Experience analyzing rule, alert, transaction, dispute, fraud loss, or authorization data
- Ability to evaluate fraud controls using quantitative performance metrics and qualitative risk judgment
- Strong communication skills
- Ability to influence cross-functional stakeholders
- Strong ownership mindset and ability to drive strategy work through implementation and monitoring
- Debit card, credit card, payment authorization, or issuing processor experience
- Experience with PRP, DataVisor, Snowflake, Tableau, or similar platforms
- Experience with account takeover, wallet or tokenized fraud, 3DS, card-not-present, card-present, ATM, merchant/MCC risk, scams, or dispute abuse
- Experience in regulated financial services, including fraud governance, audit, SLOD, or compliance-facing documentation
What the Team is Saying
SoFi Compensation & Benefits Highlights
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Healthcare Strength — Core coverage is described as comprehensive—medical, dental, and vision—along with company‑paid life and disability insurance, HSA/FSA options, and access to mental‑health support including therapy sessions and EAP resources. Materials also note heavily subsidized U.S. medical premiums and no‑cost digital mental‑health care.
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Parental & Family Support — Public benefits list up to 12 weeks of fully paid parental leave, plus fertility/adoption/surrogacy support, paid caregiver leave, and subsidized backup child/elder care. Pet insurance and related family‑oriented resources are also highlighted.
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Affordable Benefits — Benefits pages describe significantly subsidized medical coverage, 100% employer‑paid premiums for certain dental/vision plans, and employer HSA contributions on HDHP options. These features point to lower out‑of‑pocket costs for several core benefits.
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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