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.

The Senior Fraud Strategy Analyst will report to Senior Manager, Fraud Strategy.

You will help build and scale fraud strategy for a growing lending business—owning execution today while shaping the long‑term approach as we scale.

• Reduce fraud loss while supporting growth by building and optimizing fraud rules and strategies
• Own fraud monitoring and analysis, identifying risks across channels, segments, and customer cohorts
• Turn data into action by investigating trends, surfacing insights, and driving decisions
• Scale fraud operations by creating repeatable frameworks and improving coverage as volume grows
• Design and evaluate experiments to balance fraud risk, approval rates, and customer experience
• Partner cross‑functionally to implement fraud controls across product, risk, and engineering
• Support new products and channels by ensuring fraud risk is managed from day one

• 4+ years in fraud, risk, or analytics in fintech, lending, or financial services
• Strong SQL skills and comfort working hands‑on with data
• Familiarity with fraud types (synthetic , ATO, first‑party fraud)
• Experience with fraud strategy, monitoring, or detection (not just operations)
• Ability to connect analysis to business outcomes (loss, conversion, approvals)
• Comfortable operating in ambiguous, fast‑moving environments
• Clear communicator with a strong sense of ownership and initiative

• Experience in unsecured lending (personal loans, fintech)
• Experience with experimentation or modeling (Python/R)
• Background in 0→1 or scaling teams

• This role will be based in the US.

A little about our pay philosophy:
We take pride in compensating our employees fairly and equitably. The successful candidate’s starting pay will be determined based on job‑related qualifications, internal compensation, candidate location, and budget. Salary Range: $134,000 – $165,000 USD. Employees are also eligible for an annual performance‑based bonus and equity.

• 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

Earnest provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, veteran status, disability or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance.