Senior Fraud Risk Manager

Our mission is to make higher education accessible and affordable for everyone. We empower students with financial support and supercharge their ability to pay down their debt, so they can get on the right financial track, fast.

We build tools that help people feel in control of their financial future, including

• Private student loans - low rates, people-first service, and flexible payments.
• Student loan refinancing - break free from high-interest rates or monthly payments.
• Scholarships - access to thousands of scholarships to help students pay less.
  
  

Earnies are committed to helping students live their best lives, free from the stress of student 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 Risk Manager position will report to the Head of Risk & Fraud.

As the Senior Fraud Risk Manager, you will

• Develop and execute fraud prevention strategies to minimize risk while supporting business growth.
• Partner with Fraud Operations to enhance fraud policies, procedures, and controls.
• Lead, mentor, and develop a team of fraud prevention analysts.
• Oversee fraud detection and investigation efforts, collaborating with Operations and Engineering.
• Leverage fraud detection tools, analytics, and models to assess risk and identify trends.
• Provide insights and recommendations to senior leadership.
• Ensure compliance with fraud prevention regulations and conduct risk assessments.
  
  

About You

• 8 years of experience in fraud prevention strategies and analytics for loans or credit cards.
• 3 years of leadership experience managing fraud teams.
• Strong expertise in fraud detection, analytics, and emerging fraud trends.
• Expertise in fraud detection data, tools, methodologies, and industry best practices.
• Proficiency in SQL and Python for data analysis.
• Excellent communication, problem-solving, and collaboration skills.
• Ability to prioritize and multitask in a fast-paced environment.
• Willingness to travel to the Oakland office monthly.
  
  

Even Better

• Knowledge and experience with laws and regulations designed to protect consumers and businesses from fraud.
  
  

Where

• This role will be based in the San Francisco Bay Area.
• While you’ll enjoy the flexibility of remote work, we also love to see our Earnies face-to-face! We ask you to join us at our Oakland office for 3 consecutive days a month for team collaboration and some fun. It's a chance to connect, share ideas, and maybe even grab some coffee together!
  
  

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.

Pay Range

$180,000—$217,000 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” culture

• Drivers – Drivers are satisfied by making things happen, not coming along for the ride. They feel a strong sense of ownership for their projects and teams and demand high standards from themselves and others.
• Humility – Humble team players check their egos and consider the team’s needs above their own. They are self-aware of their strengths and opportunities for improvement.
• Growth Mindset – People with a growth mindset approach challenges and failures as learning opportunities. They seek feedback to improve, give feedback to others, and genuinely want to perform well.
  
  

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.