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 0→1 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-GA1A 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 USDEarnest believes in enabling our employee...