Senior Fraud Strategy Analyst

Earnest empowers ambitious professionals to make confident financial decisions and build the life they envision.Earnies are committed to helping borrowers move forward with confidence by offering smarter borrowing options with a clearer path to taking control of their debt. If you’re as passionate as we are about our mission, read more below, and let’s build something great together. What You'll Do:Design, develop, and optimize fraud strategies across personal loans and student loan refinance productsMonitor portfolio performance to identify emerging fraud trends, risks, and optimization opportunitiesDevelop and deploy fraud rules and strategies using segmentation, statistical analysis, and predictive modeling techniquesOwn end-to-end fraud mitigation processes, with accountability for fraud loss reduction and performance outcomesDesign and execute A/B tests and champion/challenger frameworks to evaluate strategy effectivenessBuild and maintain scalable analytical frameworks using tools such as Snowflake and dbtDevelop dashboards and reporting (e.g., Looker) to monitor KPIs such as fraud rate, approval rate, and false positivesGenerate actionable insights from structured and unstructured datasets, including limited or noisy data environmentsPartner with cross-functional teams (Product, Engineering, Risk, Operations) and external vendors to implement fraud solutionsLeverage internal and third-party data to enhance fraud detection capabilitiesContinuously evaluate and refine strategies based on performance metrics and evolving fraud patternsCommunicate insights, strategy performance, and model behavior clearly to stakeholders and senior leadershipSupport model development lifecycle, including design, validation, and production deploymentAbout You:Bachelor’s degree in a quantitative field (e.g., Statistics, Engineering, Analytics, Economics); Master’s preferred4+ years of experience in fraud risk, credit risk, or customer risk management within a financial institution or fintech3+ years of hands-on experience with SQL, Python, or R for data analysis and modeling3+ Proven experience designing and implementing fraud strategies for unsecured lending products (e.g., personal loans)Strong analytical and problem-solving skills with attention to detailAbility to translate complex data into clear, actionable insightsEffective communicator with experience influencing cross-functional stakeholdersSelf-starter with a high degree of ownership, curiosity, and adaptabilityEven Better:Experience with machine learning models (e.g., logistic regression, tree-based models, anomaly detection)Familiarity with fraud typologies (e.g., synthetic identity, first-party fraud, account takeover)Knowledge of regulatory frameworks and risk controls (e.g., fair lending, model governance)Experience with experimentation frameworks and decision systemsExposure to modern data stack tools (e.g., dbt, Snowflake) and BI tools (e.g., Looker)A little about our pay philosophy: We take pride in compensating our employees fairly and equitably. We are showcasing a range of your potential base salary based on the roles location. The successful candidate’s starting pay will also be determined based on job-related qualifications, internal compensation, candidate location and budget. This range may be modified in the future.Pay Range $124,000—$155,000 USDEarnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits, including: Health, Dental, & Vision benefits plus savings plansMac computers + work-from-home stipend to set up your home officeMonthly internet and phone reimbursementEmployee Stock Purchase PlanRestricted Stock Units (RSUs)401(k) plan to help you save for retirement plus a company matchRobust tuition reimbursement program$1,000 travel perk on each Earnie-versary to anywhere in the world Competitive days of annual PTOCompetitive parental leaveWhat Makes an Earnie:At Earnest, our people bring our cultural principles to life. These principles define how we work, how we win, and what we expect of ourselves and each other:Every Second Counts: Speed is our competitive advantage. Our customers need better solutions, and the faster we execute, the greater our chance of success.Choose To Do Hard Things: We win by tackling the hard things that others avoid, fueled by grit and resilience.Pursue Excellence: Great companies, teams, and individuals never settle and are proud of the work that they do. What’s good enough today won’t be good enough tomorrow. Excellence isn’t a destination; it’s a mindset of continuous improvement.Lead Together: Our success comes from how we work together. Leadership is not about titles—it is about action. We take ownership, drive results, and move forward as a team.Don’t Take Yourself Too Seriously: We take our work seriously, not ourselves. The stakes are high, but a sense of humor keeps us grounded, creative, and resilient.At Earnest, we are committed to building a