EarnIn - Staff Risk Analyst
Requirements
• 7+ years in fraud analytics within fintech or consumer financial products • 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 • Experience with external fraud platforms such as Visa Risk Manager, Socure or equivalent • SQL expert — able to independently investigate complex, multi-table transaction data problems, identify data integrity gaps, and translate findings into prioritized engineering decisions • Proficient in Tableau and Databricks for building fraud monitoring dashboards and enabling self-serve analytics • Deep understanding of transaction data end-to-end — how authorization, settlement, disputes, and chargebacks flow through card networks and core banking systems, and able to identify when data is missing, misclassified, or inconsistent across systems • Leadership • Demonstrated ability to lead cross-functional programs without formal authority • 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
Responsibilities
• Fraud & Identity Strategy • 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 • Cross-Functional Program Leadership • 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 • Analytics & Organizational Enablement • 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
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