Staff Risk Analyst

🕒 April 13

🇺🇸 United States – Remote

💵 $170k - $210k / year

⏰ Full Time

🔴 Lead

🎲 Risk

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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EarnIn

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2013

💼 Consulting

💳 Fintech

☁️ SaaS

💰 $125M Series C on 2018-12

Consulting • Fintech • SaaS

EarnIn is a financial technology company that offers innovative solutions for accessing your earnings faster without the need for high fees or credit checks. The company provides services such as Cash Out, where users can transfer up to $150/day or $750/pay period to a linked bank account, and Early Pay, which allows users to receive their paycheck up to two days early. Balance Shield helps avoid overdraft fees with real-time notifications and optional auto-transfers, while Credit Monitoring offers free access to users' Vantage Score 3. 0 by Experian. Additionally, the Tip Yourself feature encourages savings with each paycheck. EarnIn operates on a model that relies on optional tips instead of mandatory fees, helping users manage their finances with ease and security. Banking services are provided in conjunction with Evolve Bank & Trust, Member FDIC.

📋 Description

• 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

🎯 Requirements

• 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.

🏖️ Benefits

• equity • benefits