Staff Risk Analyst

🕒 Abril 13

🇺🇸 Estados Unidos – Remoto (EUA)

💵 $170.000 - $210.000 / ano

⏰ Tempo Integral

🔴 Especialista

🎲 Riscos

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EarnIn

SiteLinkedInTodas as Vagas

201 - 500 funcionários

Fundada em 2013

💳 Fintech

☁️ SaaS

👥 B2C

💰 $125.000.000 Series C em 2018-12

Fintech • SaaS • B2C

A EarnIn é uma empresa de tecnologia financeira que oferece soluções inovadoras para acessar seus ganhos de forma mais rápida, sem a necessidade de altas taxas ou verificação de crédito. A empresa fornece serviços como o Cash Out, onde os usuários podem transferir até $150/dia ou $750/por período de pagamento para uma conta bancária vinculada, e o Early Pay, que permite que os usuários recebam seu salário até dois dias antes. O Balance Shield ajuda a evitar taxas de descoberto com notificações em tempo real e transferências automáticas opcionais, enquanto o Credit Monitoring oferece acesso gratuito ao Vantage Score 3. 0 dos usuários pela Experian. Além disso, o recurso Tip Yourself incentiva a economizar a cada pagamento. A EarnIn opera em um modelo que se baseia em gorjetas opcionais em vez de taxas obrigatórias, ajudando os usuários a gerenciar suas finanças com facilidade e segurança. Serviços bancários são fornecidos em conjunto com o Evolve Bank & Trust, Membro FDIC.

Descrição

• 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 • 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 • 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

🎯 Requisitos

• 7+ years in analytics within fintech or consumer products • Bachelor’s, Master’s, or PhD, or equivalent industry experience • Demonstrated experience with SQL and have experience with Python or R • Experience with external fraud platforms such as Visa Risk Manager, Socure or equivalent • Experience with Periscope, Tableau, Databricks, Amplitude, and/or Optimizely is a plus • 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.

🏖️ Benefícios

• equity • benefits