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:
The Operational Risk Challenge & Advisory Senior Analyst is a Second Line of Defense (2LOD) role responsible for providing credible challenges in accordance with SoFi’s Operational Risk Credible Challenge Standard. Thisrole moves beyond traditional oversight, acting as both a challenger and a strategic advisory partner. You will apply a deep understanding of operational risk to provide informed, independent, and constructive feedback of SoFi’s risk-taking activities, ensuring they align with the Company’s risk appetite and regulatory expectations. This is a unique opportunity to expand the Senior Analyst’s footprint and take on increased responsibility within a critical second line of defense (2LOD) function. The senior analyst will work independently with minimal supervision, using data and a risk-based approach to get to the truth. They'll run after and solve complex problems, helping to proactively address emerging risks and influence strategic decisions.
What you'll do:
- Lead and support a diverse set of 2LOD credible challenge activities, including Targeted Reviews, Operational Risk Issue Validations, Risk andControl Self-Assessment (RCSA) reviews, and New Activity Reviews
- Serve as a strategic partner to the business, providing consultation on risk mitigation strategies and offering independent insights into emerging risks and new business initiatives
- Proactively identify and communicate potential risks to management to gain alignment and ensure effective mitigation
- Assist in the continuous improvement of operational risk methodologies and practices, including the development of new approaches
- Collaborate with cross-functional partners to drive decisions and progress toward shared goals
- Maintain awareness of current regulatory/industry trends impacting the operational risk management program
- Maintain familiarity of, and technical expertise with, business unit(s) organizational structure, personnel, activities and products, new product development, financial performance, and risk and problem areas
What you'll need:
- Bachelor's degree
- 5+ years of relevant operational risk credible challenge, regulatory, examination or Internal Audit experience
- Understanding of control frameworks, testing methodologies, and risk assessments
- Proven ability to work independently with minimal oversight and manage multiple priorities in a fast-paced environment
- Excellent analytical and problem-solving skills with a track record of resolving the root causes of complex issues
- Highly effective interpersonal and communication skills with the ability to build trust and influence stakeholders
- Understanding of risk governance and the second line of defense processes used to review and challenge front line business unit risk management processes
- Familiarity with regulatory requirements and industry best practices
- Experience in banking and/or fintech industry, including regulatory experience
- Data visualization skills
Nice to have:
- Tableau data visualization and analysis
- Experience working in Google Docs, Sheets and Slides
- Advanced degree; relevant industry certifications, for example, CPA, CCRM, ACAMS; Certified Internal Auditor (CIA); ability to drive innovation, new practices; experience interacting with regulators (Federal Reserve, OCC, CFPB)
- Multi-lingual (Spanish)
Similar Jobs at SoFi
What you need to know about the Colorado Tech Scene
Key Facts About Colorado Tech
- Number of Tech Workers: 260,000; 8.5% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Lockheed Martin, Century Link, Comcast, BAE Systems, Level 3
- Key Industries: Software, artificial intelligence, aerospace, e-commerce, fintech, healthtech
- Funding Landscape: $4.9 billion in VC funding in 2024 (Pitchbook)
- Notable Investors: Access Venture Partners, Ridgeline Ventures, Techstars, Blackhorn Ventures
- Research Centers and Universities: Colorado School of Mines, University of Colorado Boulder, University of Denver, Colorado State University, Mesa Laboratory, Space Science Institute, National Center for Atmospheric Research, National Renewable Energy Laboratory, Gottlieb Institute
