# Staff Risk Analyst

**Company:** [Earnin](https://hotfix.jobs/companies/earnin)
**Location:** Remote
**Role:** Security Engineering
**Salary:** $170k – $210k/yr
**Experience:** 7+ years
**Skills:** SQL, Python, R, Visa Risk Manager, Socure, Periscope, Tableau, Databricks, Amplitude, Optimizely
**Posted:** 2026-04-28

> Owns full fraud risk management lifecycle including strategy, policy design, cross-functional leadership, and analytics in fintech. Requires 7+ years experience, SQL/Python, fraud platforms, and deep credit card knowledge.

## Job Description

## Responsibilities

### Fraud & Identity Strategy
- Own the full fraud policy lifecycle — spanning identity verification, account opening, deposits, card transactions, and key monetary actions — from signal analysis and risk design through rule implementation, monitoring, iteration, and ongoing optimization
- Proactively identify emerging fraud vectors and redesign controls before losses materialize
- Support AML rule design, simulation, and governance in partnership with Financial Crimes Compliance

### Cross-Functional Program Leadership
- Define the long-term fraud strategy that anchors roadmap priorities across Product and Engineering
- Lead fraud initiatives spanning Engineering, Product, Compliance, Fraud Ops, and external partners, including Visa and banking partners
- Serve as the primary escalation point during fraud incidents and ATO attacks — leading real-time response across teams
- Drive alignment on risk decisions that balance fraud exposure, customer experience, and regulatory requirements simultaneously

### Analytics & Organizational Enablement
- Build and maintain fraud dashboards enabling real-time monitoring and self-serve analytics
- Mentor junior analysts and build knowledge transfer programs to scale fraud capability across the organization

## Requirements
- 7+ years in analytics within fintech or consumer products
- Bachelor’s, Master’s, or PhD, or equivalent industry experience
- Demonstrated experience with SQL and experience with Python or R
- Experience with external fraud platforms such as Visa Risk Manager, Socure, or equivalent
- Demonstrated ability to lead cross-functional programs without formal authority
- Proven track record of driving structural improvements in fraud outcomes across multiple domains simultaneously
- Skilled at using data to identify emerging fraud trends, quantify exposure, and translate analytical findings into actionable policy and control changes
- Strong understanding of how a credit card program works end-to-end — including transaction lifecycle, authorization and decline flows, dispute and chargeback processes, credit reporting obligations, and the relationship between card networks, issuing banks, and program managers
- Strong communicator who can translate fraud concepts for non-technical audiences and business requirements into system design decisions
- Comfortable operating under ambiguity and driving from incident to structured action quickly

## Nice-to-Haves
- Experience with Periscope, Tableau, Databricks, Amplitude, and/or Optimizely

## Compensation
- US base salary range: $170,000-$210,000, plus equity and benefits

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