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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
We are searching for a passionate Staff Fraud Risk Analyst who is highly self-motivated, analytical, with a decent understanding of debit card fraud transactions and account takeover fraud strategies. This role will work on fraud strategies at banking transactional stages during customer journey, implement effective fraud strategies to help our platform to realize a safer, more transparent and secure environment. This role will work collaboratively with various stakeholders to ensure strategy performances while maintaining a smooth customer experience.
By joining SoFi, you'll become part of a forward-thinking company that is transforming financial services for the better. We offer the excitement of a rapidly growing startup with the stability of an industry leading leadership team.
What you’ll do:
The fraud prevention analyst will help SoFi develop better data driven fraud decisioning by:
- Architect and scale robust table structures and analytics using expert-level SQL and Python to serve as the foundation for global risk detection and real-time reporting.
- Design sophisticated fraud decisioning strategies by synthesizing login, entity, and tokenization signals to neutralize complex threats like Account Takeover (ATO) and high-risk transactions.
- Lead cross-functional initiatives by translating intricate technical risks into high-level business logic, socialize proposals with stakeholders to align on the optimal balance between security and user friction.
- Optimize detection precision through rigorous statistical analysis, specifically leveraging False Positive Rate (FPR) modeling to protect the "Golden Path" of the customer experience.
- Execute end-to-end risk-decisioning procedures for debit card transactions and authentication frameworks (MFA/3DS), ensuring defense mechanisms are both proactive and scalable.
What you’ll need:
- BA/BS in Statistics, Information Systems, Mathematics, Data Science, or related fields, or equivalent work experience
- Expertise in Fraud: 5–8 years of work experience in Fraud Analytics. Experience managing risk-decisioning strategies and mitigating losses in debit card fraud transaction flows (ATO, 3DS, CNP, Tokenization) and understanding of sophisticated authentication frameworks, plus with exposure on authentication flows including MFA/IDV
- Balance Friction and Growth: Deep mastery of the trade-off between fraud mitigation and UX, ensuring security strategies protect the business without compromising key conversion and retention metrics.
- Architect Scalable Data Systems: Expert-level SQL/Python skills used to build automated, high-volume data architectures and statistical models that serve as the foundation for global risk detection.
- Drive Strategic Influence: A proactive leader who uses cross-functional persuasion to align stakeholders and own the end-to-end execution of complex initiatives in fluid environments.
Top Skills
What the Team is Saying
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!
