User Risk Strategist, Ecosystem Risk Strategy

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The Role: We are searching for a Fraud Strategist, Ecosystem to own horizontal fraud strategy across the SoFi member journey. This is a sophisticated role for an operator who can reason across the entire product and user lifecycle as a single risk surface. You will design decisioning that travels with the member and recognizes perimeter threats and scam typologies as they cross product seams: onboarding, account creation, funding, money movement (ACH, FedNow, Wire, Zelle, P2P), and high-value product activity. The work requires fluency in device forensics, entity resolution, account takeover (ATO) defense, scam interception, and the rule-engine craft to translate that fluency into production policy. You will lead the cross-product signal layer that lets every product line see a member’s full risk posture, and replace fixed dollar caps with risk-tiered frameworks that price velocity, recency, and counterparty risk. By joining SoFi, you'll become part of a forward-thinking company that is transforming financial services for the better. We offer the excitement of a rapidly growing startup with the stability of an industry leading leadership team.   What You’ll Do: The Fraud Strategist, Ecosystem will help SoFi build a unified cross-product fraud defense by: * Owning fraud strategy across the full SoFi product surface, designing decisioning that uses signals from onboarding, login, money movement, and product activity together rather than in isolation. * Leading cross-product perimeter defense covering ATO carryover from compromised credentials, scam interception (authorized push payment, romance, investment, impostor, business email compromise), mule-account detection, and synthetic-identity attacks at funding. * Driving device forensics across product lines: shared device-graph infrastructure, emulator and VM detection, jailbreak and root signals, residential-proxy detection, and entity resolution that links a single bad actor across accounts that look clean in isolation. * Designing risk-tiered money movement decisioning for ACH, FedNow, Wire, Zelle, and P2P flows, replacing fixed dollar caps with dynamic frameworks priced on velocity, recency, counterparty risk, and scam telemetry. * Building the cross-product analytics layer in SQL and Python: shared feature tables, entity-resolution signals, and rule-level attribution that lets every product line see a member’s full risk posture. * Partnering with EPD, Fraud Ops, InfoSec, and product owners to ship strategy changes through the rules engine with clean governance, performance monitoring, and clear escalation when losses deviate from forecast.   What You’ll Need: * BA/BS in Statistics, Information Systems, Mathematics, Data Science, or related fields, or equivalent work experience, and 5–8 years of work experience in Fraud Analytics across multiple product lines. * ATO and Scam Defense: Demonstrated track record reducing account takeover and scam losses across more than one product line. Comfort with the scam taxonomy in detail: authorized push payment, romance, investment, impostor, remote access, business email compromise, and the shared signal between them. * Perimeter Threat Fluency: Operational understanding of how perimeter threats (credential stuffing, MFA bombing, SIM swap, mule-account farming, synthetic identity at funding, first-party intent fraud) manifest at each entry surface of a multi-product fintech. * Device Forensics: Hands-on experience with device fingerprinting, emulator and VM detection, jailbreak and root signals, behavioral biometrics, and entity-level device-graph analysis as a tool for linking accounts across products. * Cross-Product Reasoning: Demonstrated track record building fraud strategy that spans more than one product line, with explicit framing of where signals transfer, where they do not, and how to govern shared risk infrastructure. * Money Movement and Onboarding: Working knowledge of onboarding orchestration, IDV vendor stacks (Socure, Persona, Veriff), rules engines (Oscilar, SAFE, Camunda), and the economics of risk-tiered limits in real-time payments. * Balance Friction and Growth: Deep mastery of evaluating trade-offs between fraud mitigation and UX, ensuring security strategies protect the business without compromising key conversion and retention metrics. * Architect Scalable Data Systems: Expert-level SQL/Python skills used to build automated, high-volume data architectures and statistical models that serve as the foundation for global risk detection. * Drive Strategic Influence: A proactive leader who uses cross-functional persuasion to align stakeholders across product lines and owns the end-to-end execution of complex initiatives in fluid environments. * Founders’ Mentality: You need to have a positive, proactive attitude, being able to identify problems, raise proposals, and be an advocate of your initiatives. Learn, iterate, and excel. Compensation and Benefits The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.    To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page! SOFI PROVIDES EQUAL EMPLOYMENT OPPORTUNITIES (EEO) TO ALL EMPLOYEES AND APPLICANTS FOR EMPLOYMENT WITHOUT REGARD TO RACE, COLOR, RELIGION (INCLUDING RELIGIOUS DRESS AND GROOMING PRACTICES), SEX (INCLUDING PREGNANCY, CHILDBIRTH AND RELATED MEDICAL CONDITIONS, BREASTFEEDING, AND CONDITIONS RELATED TO BREASTFEEDING), GENDER, GENDER IDENTITY, GENDER EXPRESSION, NATIONAL ORIGIN, ANCESTRY, AGE (40 OR OVER), PHYSICAL OR MEDICAL DISABILITY, MEDICAL CONDITION, MARITAL STATUS, REGISTERED DOMESTIC PARTNER STATUS, SEXUAL ORIENTATION, GENETIC INFORMATION, MILITARY AND/OR VETERAN STATUS, OR ANY OTHER BASIS PROHIBITED BY APPLICABLE STATE OR FEDERAL LAW. THE COMPANY HIRES THE BEST QUALIFIED CANDIDATE FOR THE JOB, WITHOUT REGARD TO PROTECTED CHARACTERISTICS. PURSUANT TO THE SAN FRANCISCO FAIR CHANCE ORDINANCE, WE WILL CONSIDER FOR EMPLOYMENT QUALIFIED APPLICANTS WITH ARREST AND CONVICTION RECORDS. NEW YORK APPLICANTS: NOTICE OF EMPLOYEE RIGHTS SOFI IS COMMITTED TO AN INCLUSIVE CULTURE. AS PART OF THIS COMMITMENT, SOFI OFFERS REASONABLE ACCOMMODATIONS TO CANDIDATES WITH PHYSICAL OR MENTAL DISABILITIES. IF YOU NEED ACCOMMODATIONS TO PARTICIPATE IN THE JOB APPLICATION OR INTERVIEW PROCESS, PLEASE LET YOUR RECRUITER KNOW OR EMAIL ACCOMMODATIONS@SOFI.COM. DUE TO INSURANCE COVERAGE ISSUES, WE ARE UNABLE TO ACCOMMODATE REMOTE WORK FROM HAWAII OR ALASKA AT THIS TIME. Internal Employees If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.

WHO WE ARE ABOUT STRIPE Stripe is a financial infrastructure platform for businesses. Millions of companies - from the world’s largest enterprises to the most ambitious startups - use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. ABOUT THE TEAM Stripe's mission is to increase the GDP of the internet — and we do that responsibly. The User Risk Strategy (URS) function is at the heart of that responsibility: it is the team that defines who Stripe can do business with, on what terms, and how those standards are maintained and enforced at scale. The function sits within the First Line of Defense in Stripe's Risk organization and is the authoritative owner of Stripe's supportability framework. We are looking for a seasoned leader to own and evolve the URS / Supportability function as a Manager of Managers (M2). In this role, you will lead a team of risk strategists and analysts across Ecosystem Strategy, New Product Enablement, User Insights & Enablement, Platform Risk Strategy, and Enforcement & Monitoring Strategy (EMS). You will be a senior leader in the Risk Strategy organization, shaping the direction of Stripe's supportability ecosystem and driving cross-functional decisions that directly influence Stripe's ability to grow safely. In this role, you will report into the Head of Risk Strategy and partner closely with Product, Engineering, Legal, Financial Crimes, Financial Partnerships, Operations, and GTM leadership. WHAT YOU’LL DO RESPONSIBILITIES STRATEGY & VISION * Own the long-term vision and strategy for Stripe's User Risk / Supportability function, ensuring legitimate users can use Stripe while protecting Stripe's financial platform, brand, and regulatory standing. * Translate Stripe's business objectives and risk appetite into a cohesive, multi-year supportability strategy that balances risk exposure with user experience. * Define the risk/reward framework for new industry enablement and new product enablement — setting the standard for how Stripe evaluates and expands access responsibly. * Develop and execute a clear roadmap across the URS organization that is aligned to Stripe's SOKRs and articulated to senior leadership. ECOSYSTEM STRATEGY * Own Stripe's global Terms of Service standards — the Supportability Handling Guide — including restricted and prohibited business categories. * Set the strategic direction for how Stripe's supportability ecosystem evolves as Stripe's product footprint and geographic reach expand. * Be the final decision-maker on policy changes that carry meaningful risk exposure or require cross-functional alignment, and represent Risk's position with Legal, FinCRO, card networks, and external partners. * Integrate financial partner Restricted/Prohibited Business Lists (RBL/PBL) into Stripe's policy framework. NEW PRODUCT ENABLEMENT * Lead the strategy and approval process for new product enablement — developing the appropriate RBL/PBL strategy for new products and incorporating new bank partner requirements. * Ensure that risk standards are embedded early in the product development lifecycle, partnering with Product and Engineering to shape how supportability is implemented in new Stripe products. * Work with Legal and Financial Partnerships to assess and integrate compliance obligations introduced by new products and banking relationships. USER INSIGHTS & ENABLEMENT * Lead the strategy for new industry enablement — evaluating emerging and underserved industries for supportability, and developing the frameworks that allow Stripe to access these markets responsibly. * Own the Large User Advisory function, providing structured, high-quality guidance on complex user-specific supportability questions — enabling GTM and Partnerships to unlock revenue while managing risk appropriately. * Develop scalable frameworks for advisory decisions so the function can handle growing volume without compromising quality. PLATFORM RISK STRATEGY * Lead Platform Risk Strategy, which covers large user requests, health monitoring, and education for Stripe's largest and most complex users. * Develop scalable approaches to managing the supportability risk profile of Stripe's largest platforms and complex use cases, providing clear guidance and risk frameworks to internal stakeholders. * Drive education and self-service capabilities so that internal teams and users can navigate Stripe's supportability standards more independently. ENFORCEMENT & MONITORING STRATEGY (EMS) * Provide strategic direction to the EMS team, which is responsible for integrating Stripe's supportability standards into detection and enforcement systems. * Ensure that URS standards are operable, enforceable, and continuously tuned based on performance data and insights. * Partner with Engineering, Product, and Data Science to develop data-driven detection strategies, improve enforcement precision, and reduce false positives that create unnecessary user friction. * Maintain global EMS coverage, including regional strategy across North America and EMEA/APAC. PEOPLE & ORGANIZATIONAL LEADERSHIP * Lead and develop a team across five sub-teams, including multiple team-level managers (M0/M1) and senior individual contributors. * Set a high bar for talent and actively recruit, develop, and retain excellent risk strategists. * Build a team culture grounded in Stripe's Operating Principles — one that is analytically rigorous, user-centric, and collaborative. * Coach and develop your direct reports to grow in both their functional craft and their leadership capabilities. * Build succession depth and develop a clear talent strategy for the function. CROSS-FUNCTIONAL LEADERSHIP * Act as the senior Risk Strategy voice in cross-functional risk forums, product reviews, and partner negotiations relevant to supportability. * Partner with Product and Engineering on the Supportability platform, influencing the roadmap to ensure our systems accurately reflect policy intent and scale effectively. * Work with GTM and Partnerships to develop scalable access to supportability information, reducing friction in the sales cycle while maintaining risk discipline. * Engage with Legal and Financial Partnerships on policy positions, regulatory changes, and external partner requirements. * Represent URS at senior Risk leadership reviews and provide clear, data-backed narrative on the state of the supportability ecosystem. * Drive cross-functional programs with impacts across Risk and the broader organization — including Third Party Agent (TPA) programs, Actor-Level Enforcement, and strategic GTM/URS collaboration initiatives — ensuring clear goals, DRIs, and measurable outcomes. WHO YOU ARE We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement. MINIMUM REQUIREMENTS * 10+ years of experience in risk strategy, policy, compliance, or a related field, with deep experience in user/merchant risk, supportability, or financial services regulation. * 4+ years of people management experience, including managing managers; demonstrated ability to lead through multiple layers of an organization. * Proven track record of owning and evolving complex policy or standards frameworks at scale, ideally within a payments, fintech, or marketplace context. * Demonstrated ability to deliver at scale — you have built systems, frameworks, and teams that operate well beyond individual effort, and you instinctively design for leverage and repeatability across large, complex organizations. * Champion for AI and automation — you actively seek opportunities to apply AI-powered tooling and automation to accelerate risk strategy work, reduce manual toil, and improve the quality and consistency of decisions at scale; you set the example for your team in adopting and driving these capabilities. * Exceptional cross-functional collaborator — you know how to build trust with Legal, Engineering, Product, Sales, and Operations, and can reconcile competing stakeholder views to drive results. * Analytical rigor — you are comfortable with data and can structure risk/reward trade-offs clearly and compellingly for senior audiences. * Executive presence and clear written and verbal communication — you can distill complex risk topics into actionable narratives for leadership. PREFERRED QUALIFICATIONS * Experience working with card network rules (Visa, Mastercard), financial partner compliance requirements, or regulatory frameworks relevant to payments (e.g., BIN sponsorship, direct acquiring). * Familiarity with supportability or trust & safety systems, detection and enforcement tooling, or risk policy automation. * Experience in a high-growth technology company managing risk at scale.