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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.

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 fintech company 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 Fraud Program is seeking a Staff Risk Analyst to lead data governance initiatives, analytics, and reporting across
the Fraud Center of Excellence (CoE). This role will serve as a key partner in developing, maintaining, and enhancing
fraud KPIs, KRIs, dashboards, and enterprise risk reporting to enable data-driven decision making and effective fraud
risk oversight.

The Staff Risk Analyst will play a critical role in ensuring data integrity, consistency, and transparency across fraud
metrics, while delivering actionable insights into fraud performance, emerging risks, and operational effectiveness
across all products and fraud domains.

This role will partner closely with Fraud Strategy, Operations, Risk, Data, and Business Intelligence teams to build
scalable analytics solutions, standardize metric definitions, and improve enterprise-wide visibility into fraud risk.
The ideal candidate will bring a strong technical data background, experience in risk analytics, and a passion for
building scalable data and reporting frameworks within a fast-paced fintech environment. Additionally, the
candidate will also have strong proficiency in SQL, Python, Snowflake, and Tableau. You’ll need to be a self-motivated
leader with the ability to drive cross-functional collaboration between all lines of business. IIf you love working with
data and have a passion for doing the right thing, we want to hear from you!

What you’ll do:

• Fraud Data Analytics, Insights, and Data Governance (Primary Focus)
• Analyze fraud data across products and channels to identify trends, anomalies, and emerging fraud risks.
• Develop data-driven insights and recommendations to support fraud strategy, operations, and risk
  management decisions.
• Partner with cross-functional teams to translate business problems into analytical solutions that improve
  fraud detection, prevention, and member experience.
• Establish and enforce data governance standards for fraud metrics- including data definitions, lineage, and
  controls; and effectively leading a strategic data governance council cross-functionally.
• Identify and resolve data quality, consistency, and availability issues impacting fraud reporting and
  analytics.
• Partner with Data Engineering and BI teams to ensure reliable, scalable, and well-documented data
  sources.
• KPI / KRI Framework & Performance Monitoring
• Support the design, development, and ongoing enhancement of Fraud KPIs, KRIs, and Risk Appetite

Statement (RAS) metrics across the Fraud CoE.

• Ensure consistent metric definitions, calculations, and reporting methodologies across business units.
• Monitor metric performance and provide insights into drivers of variance, trends, and risk signals.
• Dashboarding & Reporting
• Assist in designing, building, and maintaining Tableau dashboards and automated reporting solutions to
  provide real-time visibility into fraud performance.
• Deliver executive-level reporting and visualizations for fraud governance committees and leadership.
• Improve reporting efficiency through automation and scalable data pipelines (e.g., Snowflake), where
  needed, in partnership with our risk analytics and data teams
• Fraud Risk Management & Assessment Support
• Support Fraud Risk Self-Assessments (FRSA) and other risk evaluation activities through data analysis and
  metric development.
• Assist in identifying key risk drivers and areas of elevated fraud exposure across products and processes.
• Provide analytical support for audit, regulatory, and risk management requests.
• Cross-Functional Collaboration & Program Support
• Collaborate with Fraud Strategy, Operations, and Program teams to align data, metrics, and reporting with
  business needs.
• Support broader Fraud Program initiatives and analytics projects as needed, including strategy
  performance analysis and operational insights.

What you’ll need:

• 4+ years of experience in data analytics, fraud analytics, or risk analytics within financial services, fintech, or
  banking.
• Strong experience working with large datasets and relational databases.
• Advanced proficiency in SQL and experience with Snowflake or similar data platforms.
• Experience building dashboards and data visualizations (Tableau preferred).
• Strong understanding of KPI/KRI frameworks, performance metrics, and risk monitoring concepts.
• Experience with data governance, data quality management, or metric standardization.
• Strong analytical and problem-solving skills with the ability to translate complex data into actionable
  insights.
• Excellent communication skills, with the ability to present findings to both technical and non-technical
  stakeholders.
• Ability to work cross-functionally and manage multiple priorities in a fast-paced environment.
• Proficient in other programming and data analysis tools such as Python, R, or SAS.

Nice to Have:

• Advanced degree in Data Science or Machine Learning.
• Experience in implementing or overseeing AI/ML-based models for fraud detection
• Experience working in or working closely with model risk management is a plus.

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.