Senior Fraud Strategy Analyst

Stack

Responsibilities

• ▹Reduce fraud loss while supporting growth by building and optimizing fraud rules and strategies
• ▹Own fraud monitoring and analysis, identifying risks across channels, segments, and customer cohorts
• ▹Turn data into action by investigating trends, surfacing insights, and driving decisions
• ▹Scale fraud operations by creating repeatable frameworks and improving coverage as volume grows
• ▹Design and evaluate experiments to balance fraud risk, approval rates, and customer experience
• ▹Partner cross-functionally to implement fraud controls across product, risk, and engineering
• ▹Support new products and channels by ensuring fraud risk is managed from day one

Requirements

• ▹4+ years in fraud, risk, or analytics in fintech, lending, or financial services
• ▹Strong SQL skills and comfort working hands-on with data
• ▹Familiarity with fraud types (synthetic ID, ATO, first-party fraud)
• ▹Experience with fraud strategy, monitoring, or detection (not just operations)
• ▹Ability to connect analysis to business outcomes (loss, conversion, approvals)
• ▹Comfortable operating in ambiguous, fast-moving environments
• ▹Clear communicator with strong ownership and initiative

Nice to have

• ▹Experience in unsecured lending (personal loans, fintech)
• ▹Experience with experimentation or modeling (Python/R)
• ▹Background in 0→1 or scaling teams

Soft skills

What we offer

• ▹Health, dental, & vision benefits plus savings plans
• ▹Mac computers + work-from-home stipend
• ▹Monthly internet and phone reimbursement
• ▹Employee Stock Purchase Plan
• ▹Restricted Stock Units (RSUs)
• ▹401(k) plan with company match
• ▹Robust tuition reimbursement program
• ▹$1,000 travel perk on each work anniversary
• ▹Competitive annual PTO
• ▹Competitive parental leave

About the company

Earnest empowers ambitious professionals to make confident financial decisions, offering smarter borrowing options with a clearer path to debt control.