Sr Staff Risk Analyst

About EarnIn

As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks.

We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey.

POSITION SUMMARY

We are seeking a Sr Staff Risk Analyst (Fraud) to partner closely with the Chief Risk Officer. This role is the single accountable owner of EarnIn's fraud risk management. You will operate as the company's fraud SME, setting direction, influencing architecture, and driving alignment across Engineering, Product, Compliance, and Fraud Ops.

The scope goes well beyond analysis — you will own the full lifecycle from strategy through implementation and operations, and your impact will be felt across every product and every customer interaction at EarnIn.

The base salary range for this full-time position is $228,969- $279,851 plus equity and benefits. Our salary ranges are determined by role, level, and location. This is a hybrid position in Mountain View (Headquarters) and will require in-office work 2 days a week.

WHAT YOU'LL DO

Fraud & Identity Strategy

• Own the full fraud policy lifecycle — spanning identity verification, account opening, deposits, card transactions, and key monetary actions — from signal analysis and risk design through rule implementation, monitoring, iteration, and ongoing optimization

• Proactively identify emerging fraud vectors and redesign controls before losses materialize

• Support AML rule design, simulation, and governance in partnership with Financial Crimes Compliance

Cross-Functional Program Leadership

• Define the long-term fraud strategy that anchors roadmap priorities across Product and Engineering

• Lead fraud initiatives spanning Engineering, Product, Compliance, Fraud Ops, and external partners including Visa and banking partners

• Serve as the primary escalation point during fraud incidents and ATO attacks — leading real-time response across teams

• Drive alignment on risk decisions that balance fraud exposure, customer experience, and regulatory requirements simultaneously

Analytics & Organizational Enablement

• Build and maintain fraud dashboards enabling real-time monitoring and self-serve analytics

• Mentor junior analysts and build knowledge transfer programs to scale fraud capability across the organization

WHAT WE'RE LOOKING FOR

• 8+ years in analytics within fintech or consumer products

• Bachelor’s, Master’s, or PhD, or equivalent industry experience

• Demonstrated experience with SQL and have experience with Python or R

• Experience with external fraud platforms such as Visa Risk Manager, Socure or equivalent

• Experience with Periscope, Tableau, Databricks, Amplitude, and/or Optimizely is a plus

• Demonstrated ability to lead cross-functional programs without formal authority

• Proven track record of driving structural improvements in fraud outcomes across multiple domains simultaneously

• Skilled at using data to identify emerging fraud trends, quantify exposure, and translate analytical findings into actionable policy and control changes

• Strong understanding of how a credit card program works end-to-end — including transaction lifecycle, authorization and decline flows, dispute and chargeback processes, credit reporting obligations, and the relationship between card networks, issuing banks, and program managers

• Strong communicator who can translate fraud concepts for non-technical audiences and business requirements into system design decisions

• Comfortable operating under ambiguity and driving from incident to structured action quickly

#LI-Hybrid

At EarnIn, we believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E-Verify participant.

EarnIn does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job postings. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team.