Business Controls Testing Senior Analyst

SoFi; Jacksonville (FL); On-site; USD 110,000 - 150,000; Full time

Job summary

SoFi in the United States is seeking a Senior Analyst for the First Line of Defense Business Controls Testing team. You will independently plan and execute complex control reviews across in-scope processes, partnering with process owners and risk partners to ensure robust controls.

You’ll apply risk judgment, document results clearly, and drive remediation plans with milestones. A strong background in risk management, internal controls, and control testing is required, with the ability to

Qualifications

• 5+ years of experience in risk management, internal controls, control testing, audit, quality assurance, compliance or related field.
• Experience executing control design and operating effectiveness testing, including writing/using test scripts and documenting results.
• Strong understanding of operational risk management and control-test methodologies.

Responsibilities

• Plan and execute design and operating effectiveness testing per the 1LOD BCT Playbook.
• Lead control-owner engagement across the testing lifecycle.
• Assess processes, risks, controls, data, and documentation to identify weaknesses and gaps.
• Prepare workpapers, tests, findings, and documentation in audit systems.
• Clearly articulate testing results, risk implications, and recommended actions to stakeholders.
• Support remediation planning and validation testing as needed.
• Collaborate with issue management and control owners to develop remediation plans with milestones.
• Exercise judgment to resolve testing issues and propose practical solutions.
• Maintain relationships across product, process, and control-owner teams and risk partners.
• Conduct peer quality-assurance reviews and share knowledge within the team.
• Assist onboarding and cross-training to strengthen team capabilities.

Skills

risk management

internal controls

control testing

audit

compliance

Education

Bachelor’s degree

Tools

AuditBoard

ServiceNow

Job description

Who we are

Shape a brighter financial future with us.

Who we are

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 First Line of Defense (1LOD) Business Controls Testing (BCT) team executes independent, evidence-based control testing to evaluate the design and operating effectiveness of SoFi’s internal controls across in-scope business processes.

As a Business Controls Testing Senior Analyst, you will independently plan and execute complex control reviews, partner with business and control owners, and communicate clear, well-supported results. You will apply sound risk judgment to identify control gaps, evaluate potential impacts, and drive timely resolution activities. This role requires a strong command of control testing methodology, the ability to navigate ambiguity, and an effective, solutions-oriented approach to stakeholder management.

What You’ll Do

• Execute design effectiveness and operating effectiveness testing, including transactional testing, in accordance with the 1LOD BCT Playbook, procedures, and applicable policies.
• Lead control-owner engagement throughout the testing lifecycle, including walkthroughs, test-script development, evidence requests, status updates, and results discussions.
• Assess processes, risks, controls, data, and documentation to identify weaknesses, gaps, or vulnerabilities; determine whether controls are appropriately designed and operating effectively.
• Produce complete, accurate, and timely workpapers, testing reports, findings, and supporting documentation in required trackers and systems of record, including AuditBoard.
• Clearly articulate testing results, risk implications, and recommended actions to control owners, business partners, management, and other stakeholders.
• Drive accountability for timely evidence submission, issue remediation, and follow-up activities; perform validation or re-performance testing, as needed.
• Partner with issue management and control owners to support the development of actionable remediation plans, milestones, owners, and timelines for identified control failures.
• Exercise judgment in resolving diverse and complex testing issues; proactively identify roadblocks, communicate risks and downstream implications, and propose practical, principle-based solutions.
• Maintain productive relationships across product, process, and control-owner teams, as well as 1LOD Risk & Business Controls and Enterprise Risk Management partners.
• Conduct peer quality-assurance reviews, provide constructive feedback, and contribute to consistent application of BCT methodology and documentation standards.
• Support onboarding, training, cross-training, and knowledge sharing for team members.
• Contribute to cross-functional initiatives and continuous-improvement efforts that strengthen testing processes, reporting, and the overall control environment.

What You’ll Need

• 5+ years of relevant experience in risk management, internal controls, control testing, audit, quality assurance, compliance, or a related field; experience in financial services, banking, fintech, or another regulated environment is strongly preferred.
• Demonstrated experience executing control design and operating effectiveness testing, including writing or using test scripts, performing transactional testing, assessing evidence, and documenting results.
• Strong understanding of operational risk management, internal controls, control design, issue remediation, and control-testing methodologies.
• Ability to independently manage a portfolio of testing activities, prioritize competing deadlines, and provide proactive status updates and timely escalations.
• Strong analytical and problem-solving skills, including the ability to use data to assess risk, reach evidence-based conclusions, and recommend pragmatic solutions.
• Excellent written and verbal communication skills, with the ability to distill complex control and risk concepts for varied audiences and facilitate productive stakeholder discussions.
• Proven ability to build trust, influence without direct authority, and drive shared accountability in a cross-functional, matrixed environment.
• High attention to detail, sound judgment, intellectual curiosity, and a continuous-improvement mindset.
• Proficiency with Microsoft Office and Google Workspace, particularly Excel/Google Sheets; experience with GRC platforms such as ServiceNow/AuditBoard is preferred.
• Bachelor’s degree or equivalent practical experience.

Preferred Qualifications

• Experience in a first-line risk and controls, operational risk, internal audit, or second-line risk function.
• Experience supporting risk and control self-assessments (RCSAs), issue management, remediation validation, or regulatory/exam readiness.
• Experience testing and deep understanding of technical/ITGC/InfoSec related controls.
• Professional certification or progress toward certification, such as CIA, CISA, CRCM, CRCM, CPA, or equivalent.

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 Rights

SoFi 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 [e-mail].

We are unable to accommodate remote work from Hawaii, Alaska or Puerto Rico at this time.