Senior Fraud Strategy Analyst

Vaga não está no LinkedIn

🕒 Abril 7

🇺🇸 Estados Unidos – Remoto (EUA)

💵 $124.000 - $155.000 / ano

⏰ Tempo Integral

🟠 Sênior

🧐 Analista

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Earnest

SiteLinkedInTodas as Vagas

201 - 500 funcionários

Fundada em 2013

💳 Fintech

💸 Finanças

👥 B2C

Fintech • Finance • B2C

A Earnest é uma empresa de tecnologia financeira que se especializa em refinanciamento e consolidação de empréstimos estudantis. Ela oferece opções para ajudar os clientes a reduzir suas taxas de juros e ajustar os pagamentos dos empréstimos ao seu orçamento, sem impacto no crédito. A empresa foca na satisfação do cliente, oferecendo suporte interno e soluções flexíveis de refinanciamento. Os serviços da Earnest incluem refinanciamento de empréstimos estudantis, refinanciamento de Parent PLUS e empréstimos pessoais, com o objetivo de tornar a educação superior mais acessível e gerenciável para estudantes e suas famílias. Conhecida por suas práticas transparentes e taxas competitivas, a Earnest já refinanciou mais de $19,6 bilhões em empréstimos estudantis.

Descrição

• 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 • Continuously evaluate and refine strategies based on performance metrics and evolving fraud patterns • Communicate insights, strategy performance, and model behavior clearly to stakeholders and senior leadership • Support model development lifecycle, including design, validation, and production deployment

🎯 Requisitos

• 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

🏖️ Benefícios

• 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