Staff Fraud Analyst

SoFi; Seattle (WA); On-site; USD 100,000 - 130,000; Full time

Job summary

A leading financial technology firm is seeking a Staff Fraud Risk Analyst in Seattle, WA. The successful candidate will have a strong background in Fraud Analytics with over 5 years of experience, particularly in managing risk-decisioning strategies. Proficiency in SQL and Python is essential to architect data systems for risk detection. This role involves designing strategies that balance security and user experience, ensuring the safety of customer transactions in a collaborative environment.

Qualifications

• 5+ years of experience in Fraud Analytics.
• Expert in fraud mitigation and risk-decisioning strategies.
• Strong SQL and Python skills for data architecture.

Responsibilities

• Architect and scale data structures for global risk detection.
• Design fraud decisioning strategies to neutralize threats.
• Lead initiatives aligning security strategies with user experience.

Skills

Fraud Analytics

SQL

Python

Statistical Analysis

Risk Decisioning Strategies

Education

BA/BS in Statistics or related field

Job description

The role

We are searching for a passionate Staff Fraud Risk Analyst who is highly self‑motivated, analytical, and has a solid understanding of debit card fraud transactions and account takeover fraud strategies. This role will work on fraud strategies at banking transactional stages during the 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, socializing 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.

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.

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.