Staff Fraud Analyst

SoFi; New York (NY); On-site; USD 170,000 - 210,000; Full time

Job summary

SoFi in New York is seeking a Staff Fraud Risk Analyst to architect and scale analytics that defend transactions and protect customers. You will lead cross‑functional efforts and translate complex risks into business rules, balancing security with a smooth customer journey.

The role requires expert SQL/Python skills and a proven track record in reducing losses while preserving user experience across MFA/3DS and tokenization workflows.

Qualifications

• BA/BS in Statistics, Information Systems, Mathematics, Data Science, or related field or equivalent experience.
• 5+ years of Fraud Analytics experience, with expertise in debit card fraud, ATO, 3DS, CNP, and tokenization.
• Balance fraud mitigation with user experience and key metrics such as conversion and retention.
• Expert-level SQL and Python skills to build automated, high‑volume data architectures.
• Ability to influence cross‑functional stakeholders and drive end‑to‑end initiatives.

Responsibilities

• Architect and scale robust analytics using SQL and Python for global risk detection and real‑time reporting.
• Design fraud decisioning strategies to neutralize threats like Account Takeover and high‑risk transactions.
• Lead cross‑functional initiatives and translate risks into business logic for stakeholders.
• Optimize detection precision using statistical analysis and FPR modeling to protect customer experience.
• Execute end‑to‑end risk‑decisioning for debit card transactions and MFA/3DS frameworks.

Skills

SQL

Python

Fraud analytics

Stakeholder engagement

Statistical modeling

Education

BA/BS in Statistics/Mathematics/Info Systems/Data Science or related field

Tools

SQL

Python

Job description

We are searching for a passionate Staff Fraud Risk Analyst who is highly self‑motivated, analytical, with a decent understanding of debit card fraud transactions and account takeover fraud strategies. This role will work on fraud strategies at banking transactional stages during customer journey, implement effective fraud strategies to help our platform realize a safer, more transparent and secure environment. This role will work collaboratively with various stakeholders to ensure strategy performances while maintaining a smooth customer experience.

What you’ll do:

• Architect and scale robust table structures and analytics using expert‑level SQL and Python to serve as the foundation for global risk detection and real‑time reporting.
• Design sophisticated fraud decisioning strategies by synthesizing login, entity, and tokenization signals to neutralize complex threats like Account Takeover (ATO) and high‑risk transactions.
• Lead cross‑functional initiatives by translating intricate technical risks into high‑level business logic, socialize proposals with stakeholders to align on the optimal balance between security and user friction.
• Optimize detection precision through rigorous statistical analysis, specifically leveraging False Positive Rate (FPR) modeling to protect the "Golden Path" of the customer experience.
• Execute end‑to‑end risk‑decisioning procedures for debit card transactions and authentication frameworks (MFA/3DS), ensuring defense mechanisms are both proactive and scalable.

What you’ll need:

• BA/BS in Statistics, Information Systems, Mathematics, Data Science, or related fields, or equivalent work experience.
• Expertise in Fraud: 5+ years of work experience in Fraud Analytics. Experience managing risk‑decisioning strategies and mitigating losses in debit card fraud transaction flows (ATO, 3DS, CNP, Tokenization) and understanding of sophisticated authentication frameworks, plus exposure on authentication flows including MFA/IDV.
• Balance Friction and Growth: Deep mastery of the trade‑off between fraud mitigation and UX, ensuring security strategies protect the business without compromising key conversion and retention metrics.
• Architect Scalable Data Systems: Expert‑level SQL/Python skills used to build automated, high‑volume data architectures and statistical models that serve as the foundation for global risk detection.
• Drive Strategic Influence: A proactive leader who uses cross‑functional persuasion to align stakeholders and own the end‑to‑end execution of complex initiatives in fluid environments.

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]. Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.