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 Operational Risk Challenge & Advisory Senior Analyst is a Second Line of

Defense (2LOD) role responsible for providing credible challenges in
accordance with So Fi’s Operational Risk Credible Challenge Standard. This
role moves beyond traditional oversight, acting as both a challenger and a
strategic advisory partner. You will apply a deep understanding of operational
risk to provide informed, independent, and constructive feedback of So Fi’s
risk-taking activities, ensuring they align with the Company’s risk appetite and
regulatory expectations.

This is a unique opportunity to expand the Senior Analyst’s footprint and take
on increased responsibility within a critical second line of defense (2LOD)
function. The senior analyst will work independently with minimal supervision,
using data and a risk-based approach to get to the truth. They'll run after and
solve complex problems, helping to proactively address emerging risks and
influence strategic decisions.

What you'll do:

• Lead and support a diverse set of 2LOD credible challenge activities,
  including Targeted Reviews, Operational Risk Issue Validations, Risk and

• Control Self-Assessment (RCSA) reviews, and New Activity Reviews

• Serve as a strategic partner to the business, providing consultation on
  risk mitigation strategies and offering independent insights into
  emerging risks and new business initiatives

• Proactively identify and communicate potential risks to management
  to gain alignment and ensure effective mitigation

• Assist in the continuous improvement of operational risk methodologies
  and practices, including the development of new approaches

• Collaborate with cross-functional partners to drive decisions and
  progress toward shared goals

• Maintain awareness of current regulatory/industry trends impacting the
  operational risk management program

• Maintain familiarity of, and technical expertise with, business unit(s)
  organizational structure, personnel, activities and products, new
  product development, financial performance, and risk and problem
  areas

What you'll need:

• Bachelor's degree
• 5+ years of relevant operational risk credible challenge, regulatory,
  examination or Internal Audit experience
• Understanding of control frameworks, testing methodologies, and risk
  assessments
• Proven ability to work independently with minimal oversight and
  manage multiple priorities in a fast-paced environment
• Excellent analytical and problem-solving skills with a track record of
  resolving the root causes of complex issues
• Highly effective interpersonal and communication skills with the ability
  to build trust and influence stakeholders
• Understanding of risk governance and the second line of defense
  processes used to review and challenge front line business unit risk
  management processes
• Familiarity with regulatory requirements and industry best practices
• Experience in banking and/or fintech industry, including regulatory
  experience
• Data visualization skills

Nice to have:

• Tableau data visualization and analysis

• Experience working in Google Docs, Sheets and Slides

• Advanced degree; relevant industry certifications, for example, CPA,
  CCRM, ACAMS; Certified Internal Auditor (CIA); ability to drive innovation,
  new practices; experience interacting with regulators (Federal Reserve,

• OCC, CFPB)

• Multi-lingual (Spanish)

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.