Easy Apply
Easy Apply
Leads fraud strategy analysis for debit card authorization, assessing fraud controls, transaction risks, losses, false positives, customer friction, and residual exposure. Develops and optimizes rules, thresholds, treatments, and monitoring plans; analyzes transaction, dispute, alert, device, wallet, merchant, and loss data. Partners with Fraud, Product, Engineering, Data, Compliance, Risk, Operations, and vendors to implement strategies, document governance, and deliver executive recommendations.
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.
SoFi is seeking a Senior Staff, Fraud Strategy Analyst to assess, quantify, and mitigate fraud and operational risk associated with debit card authorization activity across SoFi's card ecosystem. This individual contributor will be responsible for conducting quantitative and qualitative risk assessments, evaluating the effectiveness of risk controls, identifying areas of potential loss or exposure, developing risk mitigation strategies, and partnering across Fraud Strategy, Fraud Operations, Product, Engineering, Data, Disputes, Compliance, Risk, and vendor teams.
You will focus on debit card authorization risk across account takeover, wallet and tokenized transactions, 3DS, card-not-present, card-present, ATM activity, high-risk merchants, and override treatments. You will work closely with Fraud Strategy, Fraud Operations, Product, Engineering, Data, Disputes, Compliance, Risk, and vendor partners to move from insight to controlled execution.
What you’ll do- Own fraud strategy analysis and recommendations for debit card authorization controls.
- Analyze transaction, alert, dispute, chargeback, rule, device, profile-change, wallet, 3DS, merchant, and loss data.
- Develop and optimize fraud rules, thresholds, treatments, exclusions, and monitoring plans.
- Evaluate rule effectiveness, false positives, customer friction, operational impact, and residual risk.
- Partner with platform and vendor teams to implement, validate, and monitor strategy changes.
- Document strategy decisions, rule logic, test results, governance approvals, and post-implementation outcomes.
- Build executive-ready recommendations that balance fraud loss reduction, member experience, operational feasibility, and governance requirements.
- Support durable reporting and control observability so leaders can understand fraud trends, rule health, and customer impact.
- 12+ years of experience in fraud strategy, fraud analytics, card fraud, payments risk, financial crimes, or related risk analytics.
- Strong SQL skills and experience working with large transaction-level datasets.
- Experience analyzing rule, alert, transaction, dispute, fraud loss, or authorization data.
- Ability to evaluate fraud controls using quantitative performance metrics and qualitative risk judgment.
- Strong communication skills and ability to influence cross-functional stakeholders.
- Strong ownership mindset and ability to drive strategy work from analysis through implementation and monitoring.
- Debit card, credit card, payment authorization, or issuing processor experience.
- Experience with PRP, DataVisor, Snowflake, Tableau, or similar platforms.
- Experience with ATO, wallet/tokenized fraud, 3DS, CNP, CP, ATM, merchant/MCC risk, scams, or dispute abuse.
- Experience in regulated financial services, including fraud governance, audit, SLOD, or compliance-facing documentation.
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 SoFi page!
SoFi 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 RightsSoFi is committed to an inclusive culture. As part of this commitment, SoFi 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 [email protected].We are unable to accommodate remote work from Hawaii, Alaska or Puerto Rico 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.
Similar Jobs at SoFi
Fintech • Mobile • Software • Financial Services
Supports retail mortgage loan originators by managing borrower and realtor communications, analyzing credit and financial documentation, structuring loans, maintaining pipelines, clearing underwriting conditions, and coordinating applications and appointments. Uses Encompass and Salesforce to track files, ensures data integrity and regulatory compliance, resolves documentation issues, and contributes to client retention and new business development.
Top Skills:
BlendDesktop UnderwriterEncompass LosFhaFhlmcFnmaGoogle WorkspaceSalesforceVa
Fintech • Mobile • Software • Financial Services
Sell and advise customers on Life, Home, and Auto insurance through phone, email, text, and chat. Manage leads and sales pipelines, guide members from intake through quoting and fulfillment, identify cross-sell opportunities, and help build SoFi Protect’s operational processes. Collaborate cross-functionally to improve the business and deliver tailored coverage solutions.
Fintech • Mobile • Software • Financial Services
Lead tax information reporting and withholding compliance across domestic and international frameworks, including FATCA, CRS, CARF, DAC7, and U.S. tax rules. Advise product teams on digital asset reporting, oversee tax documentation, withholding, remittance, and annual filings, and partner with technology and operations teams on automated workflows. Lead audits, risk remediation, policy updates, regulatory monitoring, and business requirements development for tax systems.
Top Skills:
Tax ApisTax Engines
What you need to know about the Boston Tech Scene
Boston is a powerhouse for technology innovation thanks to world-class research universities like MIT and Harvard and a robust pipeline of venture capital investment. Host to the first telephone call and one of the first general-purpose computers ever put into use, Boston is now a hub for biotechnology, robotics and artificial intelligence — though it’s also home to several B2B software giants. So it’s no surprise that the city consistently ranks among the greatest startup ecosystems in the world.
Key Facts About Boston Tech
- Number of Tech Workers: 269,000; 9.4% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Thermo Fisher Scientific, Toast, Klaviyo, HubSpot, DraftKings
- Key Industries: Artificial intelligence, biotechnology, robotics, software, aerospace
- Funding Landscape: $15.7 billion in venture capital funding in 2024 (Pitchbook)
- Notable Investors: Summit Partners, Volition Capital, Bain Capital Ventures, MassVentures, Highland Capital Partners
- Research Centers and Universities: MIT, Harvard University, Boston College, Tufts University, Boston University, Northeastern University, Smithsonian Astrophysical Observatory, National Bureau of Economic Research, Broad Institute, Lowell Center for Space Science & Technology, National Emerging Infectious Diseases Laboratories
