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.

What You'll Do

• 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

About You

• 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 ID, 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

Even Better

• Experience in unsecured lending (personal loans, fintech)
• Experience with experimentation or modeling (Python/R)
• Background in 01 or scaling teams

Where:

• This role will be based in the US.

Compensation:

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.

Salary Range: $134,000 - $165,000 USD. Employees are also eligible for an annual performance-based bonus and equity.

#LI-GA1

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.

Salary Range

$134,000-$165,000 USD

Earnest 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 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

What 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 an environment where our employees feel included, valued, and heard. Our belief is that a strong commitment to diversity, inclusion, equity, and belonging enables us to move forward with our mission. We are dedicated to adding new perspectives to the team and encourage anyone to apply if your experience is close to what we are looking for.

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.