[Remote] Lead Fraud Analyst

Note: The job is a remote job and is open to candidates in USA. SoFi is a next-generation financial services company dedicated to transforming personal finance through innovative technology. The Lead Fraud Analyst will develop data-driven fraud decisioning strategies, optimize detection precision, and collaborate with stakeholders to enhance customer experience while ensuring security against fraud risks. Responsibilities • 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 Skills • BA/BS in Statistics, Information Systems, Mathematics, Data Science, or related fields, or equivalent work experience • Expertise in Fraud: 5–8 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 with 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 Company Overview • SoFi is a finance company that offers a range of lending and wealth management services. It was founded in 2011, and is headquartered in San Francisco, California, USA, with a workforce of 1001-5000 employees. Its website is Company H1B Sponsorship • SoFi has a track record of offering H1B sponsorships, with 213 in 2025, 117 in 2024, 131 in 2023, 118 in 2022, 81 in 2021, 42 in 2020. Please note that this does not guarantee sponsorship for this specific role.