Fraud Strategist

Employee Applicant Privacy Notice 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. The Role: We are searching for a Fraud Strategist, Ecosystem to own horizontal fraud strategy across the SoFi member journey. This is a sophisticated role for an operator who can reason across the entire product and user lifecycle as a single risk surface. You will design decisioning that travels with the member and recognizes perimeter threats and scam typologies as they cross product seams: onboarding, account creation, funding, money movement (ACH, FedNow, Wire, Zelle, P2P), and high-value product activity. The work requires fluency in device forensics, entity resolution, account takeover (ATO) defense, scam interception, and the rule-engine craft to translate that fluency into production policy. You will lead the cross-product signal layer that lets every product line see a member’s full risk posture, and replace fixed dollar caps with risk-tiered frameworks that price velocity, recency, and counterparty risk. By joining SoFi, you'll become part of a forward-thinking company that is transforming financial services for the better. We offer the excitement of a rapidly growing startup with the stability of an industry leading leadership team.   What You’ll Do: The Fraud Strategist, Ecosystem will help SoFi build a unified cross-product fraud defense by: * Owning fraud strategy across the full SoFi product surface, designing decisioning that uses signals from onboarding, login, money movement, and product activity together rather than in isolation. * Leading cross-product perimeter defense covering ATO carryover from compromised credentials, scam interception (authorized push payment, romance, investment, impostor, business email compromise), mule-account detection, and synthetic-identity attacks at funding. * Driving device forensics across product lines: shared device-graph infrastructure, emulator and VM detection, jailbreak and root signals, residential-proxy detection, and entity resolution that links a single bad actor across accounts that look clean in isolation. * Designing risk-tiered money movement decisioning for ACH, FedNow, Wire, Zelle, and P2P flows, replacing fixed dollar caps with dynamic frameworks priced on velocity, recency, counterparty risk, and scam telemetry. * Building the cross-product analytics layer in SQL and Python: shared feature tables, entity-resolution signals, and rule-level attribution that lets every product line see a member’s full risk posture. * Partnering with EPD, Fraud Ops, InfoSec, and product owners to ship strategy changes through the rules engine with clean governance, performance monitoring, and clear escalation when losses deviate from forecast.   What You’ll Need: * BA/BS in Statistics, Information Systems, Mathematics, Data Science, or related fields, or equivalent work experience, and 5–8 years of work experience in Fraud Analytics across multiple product lines. * ATO and Scam Defense: Demonstrated track record reducing account takeover and scam losses across more than one product line. Comfort with the scam taxonomy in detail: authorized push payment, romance, investment, impostor, remote access, business email compromise, and the shared signal between them. * Perimeter Threat Fluency: Operational understanding of how perimeter threats (credential stuffing, MFA bombing, SIM swap, mule-account farming, synthetic identity at funding, first-party intent fraud) manifest at each entry surface of a multi-product fintech. * Device Forensics: Hands-on experience with device fingerprinting, emulator and VM detection, jailbreak and root signals, behavioral biometrics, and entity-level device-graph analysis as a tool for linking accounts across products. * Cross-Product Reasoning: Demonstrated track record building fraud strategy that spans more than one product line, with explicit framing of where signals transfer, where they do not, and how to govern shared risk infrastructure. * Money Movement and Onboarding: Working knowledge of onboarding orchestration, IDV vendor stacks (Socure, Persona, Veriff), rules engines (Oscilar, SAFE, Camunda), and the economics of risk-tiered limits in real-time payments. * Balance Friction and Growth: Deep mastery of evaluating trade-offs 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 across product lines and owns the end-to-end execution of complex initiatives in fluid environments. * Founders’ Mentality: You need to have a positive, proactive attitude, being able to identify problems, raise proposals, and be an advocate of your initiatives. Learn, iterate, and excel. 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 ACCOMMODATIONS@SOFI.COM. 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.

WHO WE ARE About Stripe Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world’s largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone’s reach while doing the most important work of your career. About the team Fraud Strategy is responsible for building scaled fraud mitigation systems that prevent fraud and protect the financial ecosystem, while minimizing disruption to good users. The fraud team’s mission is to protect Stripe, our users, and the broader financial ecosystem from actors who abuse Stripe accounts for financial gain. What you’ll do As a Manager on the Fraud Strategy team, you will lead a team of high performing and tenured fraud strategists responsible for safeguarding Stripe’s rapidly expanding portfolio of money movement and money management capabilities from fraud. You will lead the team to create short, medium and long term strategies that prevent fraud while enabling growth on rapidly expanding Stripe products like Treasury, Issuing, Capital, Crypto and Stablecoins.   Responsibilities  * Lead a Specialized Team: Coach and mentor a world-class team of fraud strategists. You'll be responsible for their professional growth and for fostering a culture of rigorous, data-driven fraud system development. * Own the E2E Fraud Prevention Lifecycle: Oversee the team's execution across all critical decision points—from new user onboarding, through offboarding and funds recovery * Strategic Stakeholder Partnership: Act as a key partner to Product, Engineering, Data Science, and Operations. You will navigate complex cross functional fraud prevention system development and tuning, ensuring our risk appetite aligns with both internal goals and external partner requirements. * Systems Thinking: Deeply understand our performance metrics including loss trends and leading indicators. Analyze account activity and monitor portfolio trends to identify opportunities for Stripe to reduce potential fraud losses. Understand our fraud controls and strategies to identify opportunities for improvement. Work closely with our core risk team to mitigate potential risks with specific users. * Executive Communication: Effectively and clearly communicate with internal leadership teams across Stripe, and effectively communicate with external leadership teams across Stripe's users, and Stripe's financial and regulatory partners. * Thought Leadership: Drive innovative fraud strategies that scale across Stripe’s wide range of products. Embrace AI technologies to accelerate execution and improve fraud prevention outcomes. Who you are We’re looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement. Minimum requirements * 10+ years of relevant experience, preferably in Financial Services, Payments or FinTech. * A coach and mentor dedicated to nurturing talent and helping team members perform at their best * Experience recruiting, developing, and managing diverse and high-performing teams. * Strong collaboration, communication, and relationship-building skills, with an ability to influence stakeholders across organizations and functions. * Excellent communicator (verbal and written) who is able to convey complex ideas succinctly in high stakes situations both internally with Stripe leadership teams and externally with users, financial partners and regulators. * Decisive, yet open to learning — you will make many critical decisions every day, even with the knowledge that you will be wrong some of the time. * Proven ability to collaborate and execute scaled and high complexity projects cross-functionally with both technical and non technical teams. * Champion for AI and automation — you actively seek opportunities to apply AI-powered tooling and automation to accelerate risk strategy work, reduce manual toil, and improve the quality and consistency of decisions at scale; you set the example for your team in adopting and driving these capabilities. Preferred qualifications * Strong data visualization skills and a willingness to use data and AI tools to analyze and make decisions.  * Experience in a high-growth technology company managing risk at scale. * Experience working in tech, or in another fast-paced, high-growth environment. * Experience in building scaled systems to prevent bank account fraud, issuing fraud and/or crypto/stablecoin fraud. * Expertise with quantitative tools such as Python, R, etc.