Note: The job is a remote job and is open to candidates in USA. Earnest empowers ambitious professionals to make confident financial decisions and build the life they envision. The Senior Fraud Strategy Analyst will help build and scale fraud strategy for a growing lending business, owning execution today while shaping the long-term approach as the company scales.
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
Skills
- 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 a strong sense of ownership and initiative
- 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 to set up your home office
- Monthly internet and phone reimbursement
- Employee Stock Purchase Plan
- Restricted Stock Units (RSUs)
- 401(k) plan to help you save for retirement plus a company match
- Robust tuition reimbursement program
- $1,000 travel perk on each Earnie-versary to anywhere in the world
- Competitive days of annual PTO
- Competitive parental leave
- Annual performance-based bonus
- Equity
Company Overview