Senior Fraud Strategy Analyst

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
• Ability to connect analysis to business outcomes
• Comfortable operating in ambiguous, fast-moving environments
• Clear communicator with a strong sense of ownership and initiative

Preferred Qualifications

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

Benefits

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

About the Company

Earnest empowers ambitious professionals to make confident financial decisions and build the life they envision by offering smarter borrowing options with a clearer path to taking control of debt.