Senior Fraud Strategy Analyst - Remote

Overview

Earnest empowers ambitious professionals to make confident financial decisions and build the life they envision.

In Short

• Design, develop, and optimize fraud strategies across personal loans and student loan refinance products.
• Monitor portfolio performance to identify emerging fraud trends, risks, and optimization opportunities.
• Develop and deploy fraud rules and strategies using segmentation, statistical analysis, and predictive modeling techniques.
• Own end-to-end fraud mitigation processes, with accountability for fraud loss reduction and performance outcomes.
• Design and execute A/B tests and champion/challenger frameworks to evaluate strategy effectiveness.
• Build and maintain scalable analytical frameworks using tools such as Snowflake and dbt.
• Develop dashboards and reporting (e.g., Looker) to monitor KPIs such as fraud rate, approval rate, and false positives.
• Generate actionable insights from structured and unstructured datasets, including limited or noisy data environments.
• Partner with cross-functional teams (Product, Engineering, Risk, Operations) and external vendors to implement fraud solutions.
• Leverage internal and third-party data to enhance fraud detection capabilities.

Requirements

• Bachelor’s degree in a quantitative field (e.g., Statistics, Engineering, Analytics, Economics); Master’s preferred.
• 4+ years of experience in fraud risk, credit risk, or customer risk management within a financial institution or fintech.
• 3+ years of hands-on experience with SQL, Python, or R for data analysis and modeling.
• 3+ Proven experience designing and implementing fraud strategies for unsecured lending products (e.g., personal loans).
• Strong analytical and problem-solving skills with attention to detail.
• Ability to translate complex data into clear, actionable insights.
• Effective communicator with experience influencing cross-functional stakeholders.
• Self-starter with a high degree of ownership, curiosity, and adaptability.

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.