Senior Staff Fraud Strategy Analyst, Card at Sofi

Company: Sofi
Location: TX - Frisco
Employment type: full-time
Posted: 2026-09-23

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Who we are:

Shape a brighter financial future with us.

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.

About the role

SoFi is seeking a Senior Staff, Fraud Strategy Analyst to assess, quantify, and mitigate fraud and operational risk associated with debit card authorization activity across SoFi's card ecosystem. This individual contributor will be responsible for conducting quantitative and qualitative risk assessments, evaluating the effectiveness of risk controls, identifying areas of potential loss or exposure, developing risk mitigation strategies, and partnering across Fraud Strategy, Fraud Operations, Product, Engineering, Data, Disputes, Compliance, Risk, and vendor teams.

You will focus on debit card authorization risk across account takeover, wallet and tokenized transactions, 3DS, card-not-present, card-present, ATM activity, high-risk merchants, and override treatments. You will work closely with Fraud Strategy, Fraud Operations, Product, Engineering, Data, Disputes, Compliance, Risk, and vendor partners to move from insight to controlled execution.

What you’ll do

Own fraud strategy analysis and recommendations for debit card authorization controls.
Analyze transaction, alert, dispute, chargeback, rule, device, profile-change, wallet, 3DS, merchant, and loss data.
Develop and optimize fraud rules, thresholds, treatments, exclusions, and monitoring plans.
Evaluate rule effectiveness, false positives, customer friction, operational impact, and residual risk.
Partner with platform and vendor teams to implement, validate, and monitor strategy changes.
Document strategy decisions, rule logic, test results, governance approvals, and post-implementation outcomes.
Build executive-ready recommendations that balance fraud loss reduction, member experience, operational feasibility, and governance requirements.
Support durable reporting and control observability so leaders can understand fraud trends, rule health, and customer impact.

What you’ll need

12+ years of experience in fraud strategy, fraud analytics, card fraud, payments risk, financial crimes, or related risk analytics.
Strong SQL skills and experience working with large transaction-level datasets.
Experience analyzing rule, alert, transaction, dispute, fraud loss, or authorization data.
Ability to evaluate fraud controls using quantitative performance metrics and qualitative risk judgment.
Strong communication skills and ability to influence cross-functional stakeholders.
Strong ownership mindset and ability to drive strategy work from analysis through implementation and monitoring.

Nice to have

Debit card, credit card, payment authorization, or issuing processor experience.
Experience with PRP, DataVisor, Snowflake, Tableau, or similar platforms.
Experience with ATO, wallet/tokenized fraud, 3DS, CNP, CP, ATM, merchant/MCC risk, scams, or dispute abuse.
Experience in regulated financial services, including fraud governance, audit, SLOD, or compliance-facing documentation.

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 [email protected]. We are unable to accommodate remote work from Hawaii, Alaska or Puerto Rico 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.

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