Compliance Specialist, Finance & Banking

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The Independent Compliance Testing (ICT) Program serves as a key second line of defense at SoFi, helping ensure regulatory requirements are met across applicable lines of business. As an ICT Compliance Specialist, you will perform independent compliance testing, monitoring, audit, and remediation validation activities across the enterprise. You will assess business-line adherence to applicable consumer and commercial lending, credit card, payments, and servicing laws and regulations.

This role will focus on customer restitution and remediation validation, ongoing monitoring of compliance metrics and controls, audit readiness, issue management, and corrective-action testing. The successful candidate must have hands‑on experience conducting audits or compliance reviews, evaluating controls, documenting testing procedures, identifying findings, and validating remediation. The ICT Compliance Specialist will report to the Regulatory Compliance Testing Team Lead and may support testing across additional financial-services subject areas as needed.

• Execute independent compliance testing, audit, validation, and monitoring activities in accordance with ICT methodology, standard operating procedures, and team leadership guidance.
• Develop and execute audit and compliance testing procedures to assess the design and operating effectiveness of controls.
• Perform risk‑based validation of customer remediation and restitution activities, assessing accuracy, completeness, fairness, and timeliness.
• Evaluate remediation milestones and validation tollgates, including scoping, population identification, calculation methodology, payment execution, and sustainability.
• Conduct ongoing and quarterly monitoring of key compliance metrics, operational controls, and regulatory requirements.
• Analyze trends, exceptions, control gaps, and emerging risks to identify potential systemic issues.
• Validate the accuracy and integrity of data provided by first‑line business teams for metrics related to SCRA, FCRA, Regulation B, and other applicable regulations.
• Partner with Data Analytics and technical teams to review queries, logic, inclusion and exclusion criteria, lookback periods, and impacted‑population methodologies.
• Recalculate restitution and remediation amounts to confirm that financial relief is accurate and aligned with approved criteria.
• Identify, classify, document, and track audit and compliance findings through remediation and issue closure.
• Perform follow‑up testing, sustainability reviews, and validation procedures to confirm that corrective actions have been fully implemented and remain effective.
• Investigate potential errors through structured inquiry, sampling, data analysis, and root‑cause analysis.
• Determine whether identified issues are isolated or systemic and assess their potential compliance and customer impact.
• Coordinate validation intake, audit planning, testing milestones, planning meetings, status updates, and stakeholder communications.
• Prepare clear audit work papers,…