Earnest Senior Fraud Strategy Analyst responsible for building and scaling fraud strategy to reduce fraud loss while supporting growth. Own fraud monitoring, analysis, and design experiments to balance fraud risk and customer experience.
Responsibilities
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
Qualification
4+ years in fraudExperience with fraud strategyComfortable operating in ambiguousBackground in 0→1 or scaling teamsThis role will be based in the US
Required
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
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.
Preferred
Experience in unsecured lending (personal loans, fintech)
Experience with experimentation or modeling (Python/R)
