Employee Applicant Privacy Notice

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:

This role is part of the Enterprise Risk Management (ERM) team within Independent Risk Management (IRM). Its primary responsibilities include being the central role in fulfilling the position of a Business Unit Risk Officer as well as setting requirements for the company-wide framework to assess New Products and Change Initiatives. This includes development and ongoing governance of risk management practices for products offered internationally.

What you’ll do:

• Serve as the first point of contact and escalation path for risk matters within the assigned businesses.

• Advise business leadership on risk implications of strategic initiatives, product changes, market entry/exit decisions, and operational transformations.

• Lead IRM deal teams in partnership with the Business Compliance Officer, and coordinate inputs from functional risk leads to produce a holistic IRM point of view.

• Influence and challenge senior management constructively, ensuring balanced risk/reward decisions.

• Establish and oversee policy requirements for the assessment of new, modified and expanded products as well as business change initiatives.

• Provide second-line oversight of the end-to-end product lifecycle to ensure alignment with the bank’s risk appetite, regulatory expectations, and strategic objectives.

• Define minimum risk management standards for new, modified, or expanded products across all risk types (credit, market, liquidity, operational, compliance, etc.).

• Architect the ongoing IRM operating model for products globally, establishing the governance structures, policies, and monitoring standards necessary to identify, measure, manage, and escalate risk across risk categories.

• Establish clear new product approval thresholds, documentation standards, and escalation protocols.

• Set expectations for post-launch product review and performance monitoring.

• Serve as the central IRM lead partnering across IRM in developing ongoing international risk management requirements and country-level risk governance structures, including risk appetite, limits, policies, and reporting.

• Adapt the ERM framework to local regulatory and risk environments while maintaining global consistency.

What you’ll need:

• Bachelor’s degree in Finance, Economics, Business Administration, Risk Management, or related field.

• 12+ years of experience in risk management within financial services, with exposure to multiple risk disciplines, including experience operating under globally recognized regulatory regimes.

• Demonstrated experience building Independent Risk Management practices, implementing risk frameworks, or overseeing risk governance across multiple regions.

• Strong understanding of principles across risk categories including credit, operational, market, and financial-crime risk.

• Proven experience in a leadership or senior advisory role with accountability for risk oversight at a business-line level.

• Strong understanding of banking products, services, and regulatory requirements.

• Demonstrated ability to operate effectively in a matrixed environment, collaborating across multiple functions and geographies.

• Strategic Risk Thinking – Ability to synthesize complex and cross-disciplinary risk information into clear, actionable insights.

• Influence & Collaboration – Builds trust and drives alignment across multiple stakeholder groups in a matrix structure.

• Challenge & Oversight – Constructively challenges assumptions, decisions, and risk-taking behaviors while remaining solution-oriented.

• Execution & Accountability – Drives risk programs to completion, ensuring tangible business outcomes.

• Communication Excellence – Communicates risk issues and recommendations effectively at all organizational levels.

Nice to have:

• Master’s degree (MBA, MS Risk Management, or related discipline).

• Professional certifications such as FRM, PRM, CFA, or CRCM.

• Experience interfacing with regulators and external auditors.

Compensation and Benefits

The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.

To view all of our comprehensive and competitive benefits, visit our Benefits at So Fi page!
So Fi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.
The Company hires the best qualified candidate for the job, without regard to protected characteristics.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
New York applicants: Notice of Employee Rights
So Fi is committed to an inclusive culture. As part of this commitment, So Fi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com.
Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.

Internal Employees

If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.