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:

The Speciality Servicing Ops Legal Analyst plays a critical role in supporting the Speciality Servicing Operations team in processing, reviewing, and responding to a high volume of legally sensitive documents. This position serves as a key point of contact for legal correspondence and ensures all documentation is handled in strict accordance with applicable federal and state laws, internal policies, and regulatory requirements. The ideal candidate is detail-oriented, organized, and capable of exercising sound judgment in a fast-paced banking environment.

What you’ll do:

• Review, log, and process incoming attorney letters/third party authorizations requesting account actions on behalf of members.

• Verify the authenticity and legal sufficiency of attorney correspondence relating to attorney representation, POA or debt validation, prior to taking any account action.

• Evaluate and validate Power of Attorney (POA) documents submitted by members or third parties for completeness and legal compliance.

• Determine scope of authority granted and apply appropriate account access or restrictions accordingly.

• Identify and escalate potentially fraudulent, expired, or legally deficient POA documents to legal for review.

• Process requests from authorized third parties seeking access to member account information or the ability to conduct business on a member’'s behalf.

• Respond to customer inquiries regarding the status of third-party authorization requests.

• Respond to debt validation requests submitted by members or their representatives in compliance with the federal and applicable state laws.

• Gather and compile supporting account documentation to substantiate debt validity within required legal timeframes.

• Coordinate with Legal and Compliance teams to ensure proper handling and timely response to all validation requests.

• Identify and implement process improvements that enhance efficiency across the broader Speciality Servicing department.

• Act as a departmental subject matter expert (SME) for legal document processing, providing guidance and training to junior team members as needed

• Independently define and manage project timelines for legal-ops initiatives, ensuring alignment with business needs without regular management prompts.

• Collaborate with leadership to set ambitious team goals and establish new best practices for processing operations legal documentation.

What you’ll need:

• Associate's or Bachelor's degree in Business, Paralegal Studies, Finance, or a related field preferred.

• 1–3 years of experience in banking operations, legal support, or compliance-related roles.

• Prior experience processing legal documents in a financial institution is highly preferred.

• Working knowledge of relevant regulations including FCRA, Regulation E, FDCPA, and applicable state banking laws.

• Familiarity with Power of Attorney documents, legal instruments, and their applications in a banking context.

• Familiarity with Third Party Authorization, Debt Validation, and Levies, and their applications in a banking context.

• Strong analytical and critical thinking skills with the ability to interpret legal language and documentation.

• Excellent written and verbal communication skills.

• Proficiency with banking core systems and document management platforms

• High attention to detail with the ability to manage multiple priorities under strict deadlines.

Nice to have:

• Experience working with third-party service providers

• Experience in Fintech operations

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.