Senior Fraud Architect: Authentication & Device Trust

SoFi; Frisco (TX); On-site; USD 180,000 - 240,000; Full time

Job summary

SoFi is seeking a Principal Fraud Strategist to own SoFi's authentication and device trust end-to-end. This role operates at the intersection of adversarial threat intelligence, device intelligence, and risk decisioning architecture across web and mobile.

You will design layered defenses to protect member sessions and own device trust through signals, entity resolution, and continuous policy updates. As a senior leader, you will drive strategy, cross-functional collaboration with EPD, IAM, Fraud

Qualifications

• Deep track record reducing account takeover and scam losses across banking, card, crypto, and P2P surfaces.
• Fluency across the full kill chain: credential exposure, login compromise, in-session manipulation, and money movement out.
• Operational understanding of credential-based perimeter threats and defense mechanisms.

Responsibilities

• Owning end-to-end strategy for authentication and device trust across web and mobile: signal architecture, decisioning topology, rule construction, threshold tuning, champion/challenger lifecycle, and rule-level loss and false-positive attribution.
• Architecting the layered perimeter defense against ATO, scam interception, credential stuffing, MFA bombing, OTP interception, SIM swap, phishing, and bot traffic; translate live telemetry into policy changes.
• Owning the device trust discipline: device identification, recognition, and intelligence across web and mobile; behavioral biometrics; network reputation; device-graph and entity resolution; emulator and VM detection; jailbreak/root signals; residential-proxy detection; signal development for gaps in vendor stacks.
• Orchestrating the vendor stack that underpins authentication and device trust: capability assessment, integration design, data flow architecture, decision timing, and continuous performance tuning; influence vendor roadmaps.
• Designing step-up authentication, account recovery, and high-risk transaction decisioning that syntheses signals into a single decision with explicit FPR budgets.
• Leading 3DS, CNP, and tokenization decisioning for card-not-present transactions; coordinate with issuer processing and network rules to optimize approvals.
• Partnering with InfoSec threat intelligence on credential-capture campaigns, phishing kits, SEO poisoning, and ATO marketplaces; translate intelligence into rule changes and signal development priorities.
• Setting the technical bar for durable fraud defense; mentor the broader fraud strategy organization on authentication and adversarial reasoning.

Skills

Fraud strategy

Authentication risk

Device intelligence

Adversarial reasoning

Threat intelligence

Education

BA/BS in Statistics, Information Systems, Mathematics, Data Science, Computer Science, or related fields

Tools

Transmit Security Mosaic

Job description

SoFi is seeking a Principal Fraud Strategist to own SoFi's authentication and device trust end-to-end. This role operates at the intersection of adversarial threat intelligence, device intelligence, and risk decisioning architecture across web and mobile.

You will design layered defenses to protect member sessions and own device trust through signals, entity resolution, and continuous policy updates. As a senior leader, you will drive strategy, cross-functional collaboration with EPD, IAM, Fraud