SoFi

Lead organizational process transformation initiatives, establish governance frameworks, and drive continuous improvement across the company. | Minimum 10+ years in process improvement or operational leadership, Lean Six Sigma Black Belt, strong financial and analytical skills, experience with automation and process mapping tools. | 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 Senior Director Process Improvement - Global Operations is a strategic leadership role responsible for driving transformative change across the entire organization. This leader will establish a centralized, data-driven methodology for identifying, prioritizing, and executing initiatives that streamline efficiency, reduce operating costs, and significantly improve the member experience (CX). Reporting directly to the VP, Operations Transformation, this role requires a proven change agent who can blend deep expertise in process frameworks (like Lean and Six Sigma) with strong executive partnership and team mentorship. What you’ll do: Strategic Leadership & Program Governance • Establish the Operational : Design, implement, and govern a formal Operational Excellence (OpEx) framework, policies, and standards that are deployed consistently across all core business units. • Pipeline & Prioritization: Create a standardized system for collecting, quantifying the ROI of, and prioritizing improvement opportunities, ensuring alignment with top-level organizational goals and maximizing cost per unit/ employee. • Cross Functional Partnership: Serve as the trusted advisor to senior leaders and executive leadership, presenting clear, data-backed strategic roadmaps for process transformation and managing stakeholder expectations across multi-year initiatives. • Change Management: Lead large-scale organizational change management efforts, ensuring the adoption and sustainment of new processes, technologies, and organizational structures. Service Engineering & Process Improvement • Service Engineering: Lead the technical process improvement function, conducting detailed reviews using a "Diagnostic and Simplification Framework". • Process Re-engineering: Focus on efficiency, automation, and demand reduction. Directly sponsor and lead the most complex, high-impact end-to-end process mapping and re-engineering projects. • Technology Integration: Partner with Technology, Product and Business Intelligence teams to ensure that process solutions leverage automation (RPA/AI) and existing systems effectively, guiding the build-out of necessary technical capabilities. Project Management • Lead Complex Initiatives: Directly sponsor and lead the most complex, high-risk, and high-impact end-to-end process mapping and re-engineering projects, often spanning multiple departments. • Measure & Validate Results: Implement robust tracking mechanisms to measure the financial and operational benefits (cost savings, time reduction, quality improvement) of every project, ensuring results are realized, verified, and reported transparently. • Project Management: Lead the Project Management Office (PMO), responsible for organizing, managing, and ensuring the timely execution of all cross-functional transformation projects. Operational Performance Management • Performance Management: Lead the Performance Management function48. Establish the methodology for all performance metrics, weightings, and scorecards, ensuring metrics are driving the appropriate agent and leader behaviors. • Measure & Validate Results: Implement robust tracking mechanisms to measure the financial and operational benefits (cost savings, time reduction, quality improvement) of every project, ensuring results are realized and verified. People Leadership & Capability Building • Recruitment & Mentorship: Recruit, train, and develop a high-performing team of Process Improvement Managers, Black Belts, and Analysts. • Capability Development: Drive continuous learning by developing and delivering internal Lean/Six Sigma training programs to cultivate a culture of process ownership and continuous improvement across the enterprise. • Best Practice Adoption: Benchmark best-in-class OpEx practices within the industry and integrate proven methodologies (e.g., Lean, DMAIC, process mining) into the company's operating rhythm. What you’ll need: • Minimum of 10+ years of progressive experience in process improvement, management consulting, operational leadership, or business transformation, with at least 5 years spent leading high-performing OpEx teams. • Certification: Lean Six Sigma Black Belt Certification (Master Black Belt preferred) is mandatory. • Financial Acumen: Proven ability to define and quantify the financial impact (ROI, NPV) of improvement projects, managing a portfolio of initiatives that collectively deliver significant annual cost savings. • Communication & Influence: Exceptional written and verbal communication skills, with demonstrated success influencing executive-level stakeholders without formal authority. • Methodology Expertise: Deep hands-on experience applying quantitative analysis, statistical process control, root cause analysis, and design thinking to solve complex business problems. • Technology Proficiency: Expertise in process mapping tools and familiarity with data analysis platforms (e.g., Tableau, SQL) and process mining software (e.g., Celonis, UiPath Process Mining). Nice to have: • Master’s degree (MBA, MS in Engineering, or related field). • Experience in the [Fintech, Financial Services, or specific relevant industry] sector, managing high-volume transaction or service operations. • Direct experience leading the implementation of intelligent automation solutions (RPA, AI/ML) as part of a larger process redesign effort. • Proven success managing and reporting on a process improvement pipeline generating over $5 million in annual realized savings. 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.

Support risk management operations, optimize processes, and coordinate cross-functional teams within a financial organization. | Significant experience in managing operations, control frameworks, and cross-departmental projects, with strong strategic and analytical skills. | 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: Business Operations enables our business to scale faster and operate more efficiently. We are seeking a Director of Business Operations to support our Independent Risk Management (IRM) function. You will report to the Head of Risk Strategy and Operations and be responsible for the day-to-day operations of the broader (IRM) organization which includes Risk and Compliance. This role will be a trusted partner for the Chief Risk Officer and the extended leadership team, and is your opportunity to showcase a breadth of strengths across strategy, analysis, project management, problem-solving, performance management, program leadership, cross-functional project management, and more. What you’ll do: • Partner with Risk leadership to translate risk strategy into operational plans, KPIs, and success metrics • Coordinate cross-functional committees, steering groups, and reporting cycles to ensure consistent alignment on risk priorities. • Support the development and maintenance of risk governance frameworks, including policies, standards, and operating procedures. • Map, refine, and optimize end-to-end risk processes and controls to ensure the organization is well managed (e.g., incident management, issue remediation, control testing, model governance). • Oversee a control testing function for Independent Risk Management, ensuring that controls are well designed and performing as intended across the organization • Manage workforce planning, budgeting, and capacity forecasts for the Independent Risk Management function. • Ensure efficient workflows and handoffs across Risk, Compliance, Audit, Technology and Business units. • Champion continuous improvement (Lean/Six Sigma principles, automation, tooling enhancement). • Assume complete ownership of projects and initiatives, thoughtfully managing business case, scope, dependencies, resources, and milestones • Provide direct support for the CRO and Risk/Compliance Leadership teams on key business management deliverables including but not limited to budgeting and people strategy. • Engage with enterprise Business Operations counterparts in other business units and functions on production and delivery of company-wide standardized processes such as quarterly planning and board deck preparation • Support exam and regulatory execution for Independent Risk Management deliverables. What you’ll need: • 12+ years of experience leading cross-functional teams that combines strategic thinking with tactical execution, • Passion to learn, responsibly grow our business, and support our mission of helping members get their money right • Previous experience managing business control (RCSA) and/or control testing frameworks • Ability to break down challenges/opportunities, build a strategy, write an action plan, identify resources, and project-manage to completion • Tell a compelling story – use data to drive strategy, execution, and optimization • High emotional intelligence to build relationships across all levels, departments, and personality types to lead without direct reporting lines • Track record of performance in a high growth, dynamic environment • Bias toward action, strong analytical skills, and solid business judgment • Eagerness to roll up your sleeves to get things done (even the unglamorous things) • Expert communication and presentation skills and the confidence to articulate, present and debate your recommendations with anyone • Ability to balance and prioritize multiple work streams for different stakeholders Nice to have: • Experience in management consulting, investment banking and/or business operations • Experience in Fintech • MBA 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.

Lead and manage the Opportunities Resolution Team to handle member complaints, improve processes, and enhance member experience. | Minimum 3 years management experience, 5+ years customer service experience, complaint/escalation management expertise, and experience in financial services preferred. | 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 Senior Manager of our Opportunities Resolution Team (ORT) is a critical leader to the team that builds, maintains, and amends SoFi's relationships with our members, potential members, and third parties. As the manager of this team, you will lead the end-to-end ORT process embedded within the Operations Complaint Management program. You will serve as a key contact for our agents handling escalated concerns, driving solutions, and leading initiatives that assist our members and enhance all aspects of SoFi. The Opportunities Resolution Manager directly supports the ORT associate managers and agents, navigating resolution with different departments within SoFi to help prevent and resolve member concerns via phone, email, and other mediums, such as our social media platform. Throughout your day, you will oversee and provide direction, mentorship, and coaching for handling member communication, complaint resolution, multifaceted tasks, and special projects. In this role, you will be required to work quickly, independently, and creatively helping your team to analyze situations to determine the best course of action to resolve the issue they are presented with. In this role, you will enable your team's success by building relationships with cross-functional teams to enhance the overall member experience and by leading the partnership with others to run after problems together to identify process improvements. What you’ll do: • Execute multiple small projects and large pivotal initiatives, often simultaneously, that result from the ORT outcomes or the Complaint Management program • Become an expert in all tasks your associates are required to perform, leading with a founder mentality • Establish processes and procedures that ensure the team provides world-class customer service and accurate written responses, driven by a member advocacy mindset, to address complaints in compliance with internal and external guidelines. • Ensure the team has the best tools and resources to perform effectively daily. • Implement processes and procedures to increase efficiency and reduce errors where appropriate. Additionally, coordinate the delivery of direct feedback and coaching opportunities to appropriate parties and management teams. • Partner with leadership to share insights and problem-solve inter-departmental tasks and projects. • Build a robust member-focused culture, passionately contributing to reducing complaints and a member experience that continues to drive loyalty to SoFi. • Perform regular analysis of complaint trends, identifying change opportunities to improve Member Experience while partnering with our Root Cause Analysis and Member Journey team. • Provide daily reporting updates to departmental management and Sr leaders on outcomes of various complaints handling, including improvement opportunities and improvement requests to enable the best possible member experience • Expand training opportunities and resources based on trends identified over time • Answer complex member inquiries beyond the scope of responsibility of the frontline agent teams. Be prepared to handle and manage member escalations as a result of their complaint - this could be in writing or verbally • May perform other duties as required What you’ll need: • Experience in the build and establishment of new teams and functions • 3+ years of management experience • 5+ years of general customer service experience • Complaints or escalation management experience required • Proven track record of successful hiring, training, motivating, monitoring, and coaching teams of escalations and complaints management employees • Experience working within a multiple-product financial services environment (i.e., lending, deposits, credit cards, etc) • Excellent time and project management skills with the ability to build strong cross-functional relationships and work collaboratively • Strong relationship-building and management skills • Ability to work within all levels of an organization to influence change and prioritization of critical work • Excellent time and project management skills with the ability to build strong cross-functional relationships and work collaboratively • Ability to work effectively across all levels • Incredible problem solver and communicator Nice to have: • Bachelor or Associate Degree in a related field 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 RightsSoFi 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.

Executing risk-based compliance testing to validate adherence to financial regulations and documenting findings. | Bachelor's degree with 5-8 years of compliance testing or auditing experience in financial services, with strong regulatory expertise. | 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 Independent Compliance Testing (ICT) Program performs a key second line of defense role, to help ensure regulatory requirements are met across the applicable lines of business at SoFi. The Compliance Testing Specialist in ICT will be responsible for executing risk-based compliance transaction, control, and outcomes-based testing under the leadership of a team leader, for the purpose of independently validating business line adherence to applicable broker-dealer regulations, including but not limited to FINRA Rules and other regulations derived from the Investment Company Act of 1940 or Securities Exchange Act of 1934, as well as applicable state regulations of broker-dealers. The Testing Compliance Specialist will report to the Regulatory Compliance Testing Team Lead, and the role may also require executing some testing in financial services subject matter areas other than those outlined above. What you’ll do: • Executing aforementioned testing in adherence to program methodology and procedures, under the leadership of a team leader. • Ensure all tasks and reporting are completed within established timeframes, in accordance with the program’s test plan. • Analyzing data from multiple sources and systematically documenting the work and results. • Identifying and classifying any test findings properly; managing and tracking those findings to ensure the business owner remediates the issue; and performing validation and sustainability review/testing to confirm that the finding has been fully addressed. • Establishing and maintaining strong working relationships with relevant Compliance Officers and Business Areas. What you’ll need: • Bachelor’s degree • At least 5-8 years of compliance testing or auditing experience, specifically within financial services or a regulated banking institution • Solid regulatory subject matter expertise with trading/brokerage operations, investment management • Strong problem-solving, critical thinking, and communication skills Nice to have: • Solid working knowledge of brokerage products (e.g., options and mutual funds) processes (e.g., order routing, consolidated audit trails) and investment advisor operations; and their applicable laws and regulations. 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.

Manage and oversee bank accounting operations, ensure compliance with GAAP and SOX, and support financial reporting and audits. | Bachelor's in Accounting or Finance, CPA license, 6+ years of accounting experience, strong knowledge of U.S. GAAP, and experience with bank accounting. | 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: SoFi is seeking an experienced, highly-motivated Bank Accounting Manager with a passion for problem solving, critical thinking, strategy and working in a dynamic and ambiguous environment to further develop SoFi’s Bank Controllership team. The ideal person for this position will have a demonstrated accounting skillset with a base understanding of SOX and internal controls over financial reporting, technical accounting, process creation and ongoing management, data-driven reporting and communication skills, and the ability to partner and influence effectively across cross-functional business teams. Every day is a new challenge and you're continually looking for ways to help our team get better at what we do, in the most efficient way possible. You move fast while keeping your attention to detail, and you tap into your problem-solving skills to support SoFi business objectives. This role will support our Crypto product as well as our Commercial Payments Services line of business and other bank accounting needs. The Bank Accounting Manager will be responsible for month end close, supporting financial and regulatory reporting, working closely with business partners, engineers, and other teams throughout controllership to ensure complete and accurate financial reporting, and leading the external audit. The Bank Accounting Manager will report to the Assistant Controller, Financial Services, and will work with a mix of direct, indirect, and external team members. What you’ll do: • Be the accounting SME for CPS and Crypto, understand all data inputs and pertinent control environment to own the end to end audit of these areas • Create well organized, clear documentation of all critical decisions and key processes such as: • Technical accounting memos • Flowcharts including pertinent databases, controls etc. • Assessment and documentation of contracts for accounting conclusions • Understanding of banking cash flow and underlying systems • SOX control design, implementation and execution • Design, prepare, and eventually review detailed account reconciliations performed by your team and work with cross functional teams to resolve errors • Work with cross functional teams on new functionality build outs within respective areas to ensure complete, accurate, and automated accounting outcomes. • May lead a staff accountant, including coaching, training and managing day-to-day activities • Gain an in depth understanding of the SoFi systems and how transactions flow between systems and the general ledger. • Analyze accounts, journal entries, subsidiary ledgers, and other accounting documents for accuracy and completeness. • Analytically review the Balance Sheet and Income Statement • Review and assist in the development of analytical and statistical reports to drive leadership decision making • Review and oversee preparation of ad-hoc reports and analyses • Work closely with other departments to ensure that transactions are recorded properly under U.S. GAAP • Support financial regulatory reporting within areas of responsibility What you’ll need: • Bachelor’s degree in Accounting, Finance or Business or equivalent • CPA license • 6+ year of experience in accounting • Applied working knowledge of U.S. Generally Accepted Accounting Principles (GAAP) and accounting procedures specific to bank accounting. Knowledge of ASC 606, ASC 326, ASC 340, SAB 122, ASC 350, ASC 820 and/or ability to perform technical accounting research to learn with appropriate support. • Strong organizational, analytical, mathematical, and project management skills • A proactive and hands-on approach • Strong knowledge of accounting theory and practice • Computer skills, including Excel, Word, general ledger and reconciliation systems Nice to have: • Experience with Workday Financials, Snowflake, Workiva, Cadency • Audit experience 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.

Supporting SOX compliance, controls testing, remediation, and audit coordination for technology controls. | 5+ years in IT SOX, CISA or equivalent certification, deep knowledge of IT controls, and experience with SOX and COSO frameworks. | 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 Sarbanes-Oxley (SOX) Program Management Office (PMO) at SoFi, is part of the Controllership and is responsible for ensuring the company has the necessary internal control and assessment elements in place to meet the SOX requirements. The PMO facilitates risk assessment and scoping to determine project scope of each reporting year, and prepares the internal control assessment plan and accompanying timelines, scheduling and process walkthroughs. From the walkthroughs, the team oversees the updating of control descriptions and process flowcharts, and oversees the formalization and remediation of current and prior-year control deficiencies. The SOX PMO meets with external auditors as necessary to provide status updates and remediation efforts of ongoing work. The SOX PMO manages the SOC1 audits and associated reporting executed by our service auditors. Additionally, the SOX PMO team partners with the business to provide internal control over financial reporting associated with emerging areas/products, mergers and acquisitions and conducts SOX Readiness assessments, inclusive of creating the Risk and Control matrices and flowcharts. The Senior Analyst, IT SOX PMO responsibilities include, but are not limited to, supporting the Technology and Engineering, Product & Design (IT/EPD) related components of SoFi’s Corporate SOX Program, and assisting the Senior Manager, IT SOX PMO as an advisor to the lines of business across SoFi Technologies and its subsidiaries. SoFi’s fast pace of growth provides career development (e.g., work directly with senior and executive management) and learning opportunities (e.g., new system implementations) considering the role's enterprise-wide exposure. The Senior Analyst, IT SOX PMO will report to the Senior Manager, IT SOX PMO, and will work with a mix of direct, indirect, and external team members to manage and execute the program. The Senior Analyst, IT SOX PMO will work closely with Technology and Finance Liaisons to ensure that Internal Controls Over Financial Reporting (ICFR) for SoFi Technologies and its subsidiaries, are appropriately designed and are operating effectively, SOX compliant control documentation is maintained and any deficiencies identified are assessed for severity, remediated, and reported to the appropriate governance authorities. In addition, the Senior Analyst, IT SOX PMO will be involved in special projects including implementations related to new systems and new accounting standards while assessing the impact on the company's ICFR. The Senior Analyst, IT SOX PMO, will also assist with the execution of the company’s system and organization control (SOC) reporting program objectives. What you’ll do: • Work closely with the Senior Manager, IT SOX PMO, and the Business Process (BP) SOX PMO team in completing the annual SOX scoping and risk assessment (with a quarterly refresh), as well as support the annual Fraud Risk Assessment project, to ensure compliance with COSO standards and appropriate scoping and coverage of the SOX Program. • Assist with the SOX 404 and 302 Certification process for Technology-related areas • Coordinate with the lines of business teams, facilitate controls walkthroughs and testing, and lead deficiency evaluations/reporting and monitor remediation activities. • Identify opportunities to improve the SOX program by becoming more efficient and effective through optimization and automation. • Monitor IT SOX testing with the identification and documentation of IT SOX Controls in coordination with the SOX PMO BP team. • Assist the business in enhancing documentation, inclusive of the Risk and Control Matrix and accompanying process flowcharts. • Support evaluation of ICFR deficiencies and monitor remediation activities in order to conclude on the effectiveness of ICFR. • Work directly with SoFi's external auditors to ensure the SOX Program meets their requirements in terms of scope, timing and approach; be a key contact for the external auditors related to Technology SOX matters. • Partner with different members of the SOX PMO team in the execution of special projects impacting the SOX program, including but not limited to new systems implementations. • Assist with oversight and execution of the company’s SOC 1 Report assessments across the lines of business. • Work closely with the SOC 1 auditors to oversee SoFi’s SOC 1 audit and reporting program. • Partner with the SOX Testing Team to ensure workpapers meet the quality, consistency, risk management and adherence to the Corporate SOX Policy. • Advise the team as a Subject Matter Expert on Technology SOX controls (e.g., ITGCs, ITACs, SOC 1), COSO compliance, ICFR best practices, and the continuous enhancement of PMO's workflow processes. • Build internal reputation as a management consultant and internal controls expert by building and maintaining ongoing relationships with the various lines of business included in the company's SOX process. • Responsibilities also include the following: 1) adhering to and complying with all applicable, federal and state laws, regulations and guidance 2) adhering to company policies and procedures, 3) completing required training. What you’ll need: • Education: Completed Bachelor's Degree in Accounting, Information Systems Management, Finance • 5 or more years of IT SOX related experience (with 2 or more years in a supervisory role). Should have in-depth knowledge focused on IT SOX, IT general controls (ITGCs), IT application controls (ITACs), ICFR, COSO Framework, and baseline understanding of business risks and controls. • CISA certification or equivalent (e.g., CPA/CIA or other relevant certification), required • Practical and deep knowledge of SOX and COSO • Driven by Excellence - you are driven by our SoFi mission and our passion for member and client success which means you relentlessly pursue excellence; you do not tolerate mediocrity and you work intensely to achieve your goals • High Integrity - you seek open and honest communication, and you hold yourself to very high moral and ethical standards, especially in handling confidential information. • Apply knowledge and skills to resolve a wide range of issues in creative ways • Excel at failing fast to learn, iterate and innovate • Ability to independently navigate within an ambiguous environment with minimal instruction and limited oversight on routine work and projects • Use data to get to the truth and make principle-based decisions • Ability to prioritize workloads and ensure deadlines are consistently met, and to adapt to shifting priorities and communicate such modifications to partners • Strong project management skills and organizing ability with experience proactively running after and solving problems of diverse and complex scope • Builds trust with cross-functional stakeholders by taking time to understand their needs and tailoring solutions • Sets ambitious goals based on problems that need to be solved and holds yourself accountable • Embodies the SoFi Way: a founder, problem solver and partner in everything you do Nice to have: • Public Accounting Firm IT Audit experience is strongly preferred • Working knowledge of US GAAP • Prefer FinTech, banking and/or financial services experience primarily focused on SOX or IT enterprise-wide risk management and ICFR controls consulting 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.

Lead development and testing of internal money servicing tools, oversee full lifecycle design, guide cross-functional teams, and ensure project delivery and compliance. | Bachelor's degree, 8+ years full-stack experience with Java/Kotlin backend and React frontend, project leadership, SOA/microservices experience, and strong problem-solving skills. | About the position Responsibilities • Lead the development and testing of our internal money servicing tools and services. • Oversee the full development life-cycle design, from project requirements to deployment. • Help define project scope, deliverables, and goals. • Guide cross-functional delivery teams to ensure we meet our deliverables. • Monitor project performance against defined milestones and goals. • Drive process improvement projects to enhance performance in key program metrics. • Keep key stakeholders and business leadership informed about ongoing project health. • Ensure strict compliance with established project management policies and guidelines. • Take initiative and deliver timely results in a fast-paced and sometimes ambiguous environment. • Make meaningful contributions to our code base. • Define best practices and uphold coding standards. • Consistently demonstrate high levels of technical knowledge, creativity, and ingenuity. • Collaborate with the Engineering team to develop features that specifically benefit our users. • Deliver high-quality code on schedule and communicate effectively with teams both inside and outside the development group. Requirements • A Bachelor's Degree in Computer Science or a related field from a fully-accredited college or university. • 8+ years of experience in full-stack software development. • Full-stack experience, with backend in Java/Kotlin & front-end (JavaScript/TypeScript, React). • Experience leading projects for backend and frontend teams. • Experience working on a SOA or microservice-based application. • A willingness to roll up your sleeves, collaborate with others, and get things done! • A strong sense of responsibility, driving projects from inception to completion. • A knack for solving problems and shipping impactful features, rather than just polishing perfect code or architecture. • Experience in a collaborative coding environment, refining designs together, navigating code reviews, and managing pull requests. • Knowledge in analytics, metrics, and monitoring integrations. • Experience scaling highly available, mission-critical systems. Benefits • Base pay range: \$153,600.00 - \$264,000.00 • Eligible for a bonus and long-term incentives. • Comprehensive and competitive benefits.

Develop, implement, and deploy machine learning models for credit risk and operational use cases, collaborating with cross-functional teams and ensuring model governance and monitoring. | Bachelor's degree in quantitative field, 3+ years of ML model building and deployment experience, strong Python and SQL skills, experience with AWS SageMaker, Git, Docker, and CI/CD pipelines, and effective communication skills. | 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 Risk Data Science team is looking for a Senior Machine Learning Engineer/Data Scientist to develop advanced machine learning models, guide measurement, strategy, and data-driven decision making to support various credit risk and operational areas for SoFi Credit Card products. The person will work closely with Credit, Risk, Product, Engineering, and Operations teams to design solutions to support acquisition, account management, and loss mitigation. These tasks involve applying state-of-the-art machine learning methodologies, deploying models into production, and developing complex business rules to solve business problems. This role is very rewarding as your work will have a direct and immediate impact on the business’ profitability. What You’ll Do • Develop, implement, and continuously improve machine learning models that support various credit and operational procedures including but not limited to underwriting, account management, and loss mitigation. • Implement scalable model pipelines leveraging modern ML platforms (e.g., AWS SageMaker) and best practices in version control (Git), testing, and CI/CD. • Partner with Product and Engineering teams to operationalize models, including deployment, monitoring, and integration into business systems. • Collaborate with the Model Risk Management team to ensure models are developed with rigor that satisfy Model Risk Management and Governance requirements. • Present model performance and insights to Credit, Risk, and Business Unit leaders. • Explore and leverage in-house, external, and open-source machine learning frameworks and algorithms. What You’ll Need • Bachelor’s degree in Computer Science, Statistics, Mathematics, Physics, Engineering, or a quantitative field required. Master’s or Ph.D. preferred. • 3+ years of relevant work experience with building, implementing, and deploying machine learning models. • Excellent knowledge of machine learning and statistical modeling methods for supervised and unsupervised learning, including (but not limited to) linear regression, logistic regression, decision tree, ensemble methods, clustering, outlier detection, novelty detection. • Strong programming skills in Python and SQL. • Hands-on experience with ML model implementation in production environments using tools such as AWS SageMaker, Git, Docker, and CI/CD pipelines. • Effective communication skills and ability to explain complex models in simple terms. Nice To Have • Experience in a financial organization. • Experience with model documentation and delivering effective verbal and written communication. • Experience working closely with Product, Engineering, and Model Risk Management teams. 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.

Architect and build scalable full-stack GenAI applications, manage deployment pipelines, design AI workflows, and lead delivery from ideation to deployment. | 9+ years software engineering experience with full-stack AI product delivery, expertise in React, Node.js, Snowflake, AWS SageMaker, ArgoCD, GitLab CI/CD, and Airflow. | 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: As a Staff Software Engineer focused on Gen AI applications, you’ll play a critical, hands-on role in building, deploying, and optimizing scalable, real-time, full-stack custom applications powered by the latest advances in Generative AI. The ideal candidate has 9+ years of engineering experience, a proven record of full-stack delivery, and deep expertise in designing AI-driven solutions from the UI to the data back-end. You will work across cross-functional delivery teams to shape technical architecture, champion best practices, and directly produce high-value solutions for our users. What you’ll do: • Architect, design, and build end-to-end GenAI-powered applications using rich interactive user-interfaces with your expertise working with information from Snowflake (including leveraging Snowflake Cortex for advanced AI workloads). • Manage deployment pipelines and infrastructure as code using ArgoCD, GitLab CI/CD, and AWS best practices. • Design and implement multi-agentic AI applications leveraging LangChain and LangGraph, enabling autonomous, stateful, and collaborative agent workflows for complex, real-world problem solving • Own technical decompositions of new product requirements; lead delivery from ideation to deployment and continual improvement. • Deploy, optimize, and monitor Generative AI workflows on enterprise frameworks Automate real-time and batch data flows using orchestration tools such as Apache Airflow. • Participate in technical architecture reviews, code and design reviews, and help guide technical decision-making for AI-driven services. • Collaborate with Product, Design, and Engineering to deliver high-impact solutions; mentor peers and foster a growth-mindset environment. • Stay current with GenAI, LLM infrastructure, and the evolving tooling ecosystem; generate ideas to expand product capabilities and technical reach. What you’ll need: • Bachelor’s or Master’s degree in Computer Science, Engineering, or a related technical field. • 9+ years of professional software engineering experience, with heavy focus on full-stack custom product delivery specializing in AI • Solid devops and infrastructure-as-code experience using ArgoCD and GitLab for deployment, CI/CD, and environment management. • Advanced proficiency in React, Node.js, and front-end–to–back-end custom app development. • Extensive hands-on experience with Snowflake, including advanced features, AI/ML integrations, and Snowflake Cortex. • Deep expertise in orchestrating real-time and scheduled pipelines with Airflow. • Demonstrable expertise with AWS SageMaker and Bedrock for developing, training, and deploying machine learning models, especially those involving large language models or generative AI workflows. • Track record of delivering high-quality, production-grade, scalable, and highly available cloud-based services. • Strong communicator; able to collaborate and drive decision-making with cross-functional stakeholders. • Willingness to take ownership, mentor others, and champion learning and innovation within the organization. Nice to have: • Exposure to other cloud-native or AI workflow orchestration platforms. • Prior fintech or high-throughput consumer product experience. • Experience deploying and scaling LLM-powered chatbots or retrieval-augmented generation (RAG) platforms. 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.

Analyze complex datasets using SQL and Python to develop fraud risk detection strategies and collaborate with stakeholders to optimize fraud prevention while maintaining customer experience. | 3-8 years in risk analytics with experience in account authentication and risk decisioning, strong SQL and Python skills, and ability to work collaboratively in a dynamic environment. | 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 passionate Senior Fraud Risk Analyst who is highly self-motivated, analytical, with a decent understanding on account level registration and account takeover fraud strategies. This role will work on fraud strategies at different stages during customer journey, implement rules focusing on entity level risks to help our platform to realize a safer, more transparent and secure environment. This role will work collaboratively with various stakeholders to ensure strategy performances while maintaining a smooth customer experience. 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 prevention analyst will help SoFi develop better data driven fraud decisioning by: • Utilize advanced SQL and Python skills to analyze complex datasets and develop robust fraud risk detection strategies • Architect and maintain efficient data structures to support scalable fraud analytics and reporting frameworks • Collaborate effectively with cross-functional stakeholders, translating technical insights into strategic business recommendations • Apply foundational statistical concepts, including false positive rate analysis, to optimize fraud detection accuracy • Analyze various types of signals such as login level, entity level data to enhance risk modeling and identify fraudulent activity patterns • Demonstrate strong ownership and project management capabilities to deliver precise, timely, and impactful results What you’ll need: • BA/BS in Statistics, Information Systems, Mathematics, Data Science, or related fields, or equivalent work experience • 3-8 years of work experience in Risk Analytics Fields, with exposure to account authentication (2FA, MFA, OTP) and/or risk-decisioning procedures • Strong expertise in analyzing large datasets using SQL/Python and other statistical analysis packages to drive strategies to balance Member experiences and loss prevention • Highly motivated Fraud Strategy background with ambition to drive change, eager to learn, and able to work collaboratively in a complex and fluid environment 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 RightsSoFi 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.

Lead and execute regulatory change management activities, monitor regulatory developments, collaborate with legal and business units, maintain regulatory inventory, and support compliance readiness and regulatory exam preparedness. | 6-8 years in regulatory compliance or risk management in financial services, strong knowledge of banking laws and regulations, experience managing regulatory change programs, excellent communication and stakeholder management skills, and preferably certifications like CRCM or CAMS. | 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 seeking a highly motivated and experienced compliance professional to lead and execute regulatory change management activities as part of our enterprise Compliance Management System (CMS). This second line of defense (2LOD) role is responsible for maintaining an enterprise-wide regulatory change framework that monitors, assesses, documents, and operationalizes federal and state regulatory developments. The ideal candidate is a strong executor who thrives in dynamic environments, brings hands-on experience executing regulatory change management programs at a financial institution, and is skilled in translating complex regulations into actionable business guidance. This role supports enterprise compliance readiness and accountability through strong collaboration with legal, business units, risk teams, and compliance subject matter experts. What you’ll do: • Own and manage the end-to-end Regulatory Change Management (RCM) process including intake, impact assessment, stakeholder engagement, and change tracking through to implementation and validation. • Monitor regulatory developments from primary sources (e.g., CFPB, OCC, FDIC, FRB, state regulators) and secondary services (e.g., Wolters Kluwer, Compliance.ai). • Facilitate regulatory applicability analysis and collaborate with legal and compliance SMEs to assess business impact. • Maintain a centralized regulatory inventory, including taxonomy alignment with products, services, business units, and laws/regulations. • Partner with business, legal, and first-line risk owners to ensure timely action planning, control development, and compliance implementation. • Develop dashboards and reports for senior leadership and regulatory examiners to provide transparency on regulatory developments and compliance status. • Support Compliance Policy and Training teams in ensuring affected documents and training are updated in response to regulatory changes. • Lead working groups or cross-functional forums to track implementation of regulatory changes, document decisions, and escalate risk issues. • Continuously evaluate and enhance regulatory change protocols, including triggers, roles, documentation standards, and effectiveness testing. • Serve as a strategic partner to the enterprise on compliance readiness, guiding sustainable compliance with new or amended regulations. • Contribute to regulatory exam preparedness and response, including producing evidence of effective regulatory change governance. What you’ll need: • Bachelor’s degree in Business, Finance, Law, or related field. • Minimum of 6-8 years of experience in regulatory compliance, legal, or compliance risk management in a bank or financial services company. • Strong working knowledge of federal and state banking laws and regulations including, but not limited to, Reg Z, E, DD, CC, UDAAP, FCRA, BSA/AML, and Fair Lending. • Demonstrated success in implementing or managing regulatory change programs within a compliance or enterprise risk function. • Deep understanding of the CMS and 2LOD responsibilities including independence, credible challenge, documentation standards, and escalation protocols. • Excellent analytical, writing, and communication skills, with the ability to convert regulatory language into actionable and digestible guidance. • Highly organized and accountable; able to manage multiple priorities and tight deadlines with accuracy and clarity. • Strong stakeholder management and facilitation skills across lines of defense. Nice to have: • CRCM, CAMS, or CCEP certification are highly preferred. • Experience with GRC systems (e.g.,ServiceNow) to track regulatory changes and tie them to controls and policies. • Experience with Reg Change Management tools (e.g., Compliance AI, Regology, Cube). • Familiarity with regulatory exams and supervisory expectations related to change management (OCC 2011-29, OCC 2017-43). • Experience contributing to or leading compliance transformation programs including automation of compliance processes and taxonomy standardization. • Understanding of policy governance, training updates, and control testing in response to regulatory change. • Proficient in Microsoft Excel/PowerPoint or Google Suite tools with a strong command of visualization techniques for dashboards and summaries. • Strategic problem-solver with a bias for action and the ability to drive sustainable compliance solutions across the enterprise. • Comfortable in an agile, entrepreneurial environment and able to deliver results under changing priorities. 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 RightsSoFi 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.

As a Dispute Investigation Associate, you will assist SoFi Members in adjudicating disputes they believe to be in error by reviewing account details and transaction history. You will analyze information provided by the Member to determine the facts around the dispute and make accurate decisions. | Candidates should have 2+ years of experience in dispute resolution processes at a financial institution and a proficient knowledge of federal banking regulations. Strong analytical skills and the ability to communicate effectively with members are essential. | 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: As a Dispute Investigation Associate, you will be responsible for assisting SoFi Members in adjudicating disputes they believe to be in error. Dispute Investigation Associates review account details, including all relevant transactions, credits, and debits to the accounts, recent history of logins, updates to PII, and disputed merchant history, to accurately resolve the dispute. You will use your knowledge of US banking regulations and operating procedures and your experience to analyze the information provided by the Member, including all account and transaction information available. Using all relevant information, you will determine the facts around the dispute, removing all possible biases and making an accurate dispute decision. What you’ll do: Research, investigate, and resolve debit, credit, ACH, and check disputes (both authorized and unauthorized) to ensure they stay within regulatory requirements with consistent contact with SoFi or other partners as directed Analyzes disputed transactions, spending patterns, account access, and relevant member data to make decisions on claims of fraud or errors in adherence to all banking regulations using provided guidance. Articulate investigation process, mentor other team members on low to medium-complexity disputes, and make rapid decisions on complex dispute issues Navigate multiple systems to accurately research each dispute thoroughly Other duties as assigned and articulated in provided SOPs What you’ll need: 2+ years of dispute resolution investigative processes and procedures experience at a financial institution Proficient knowledge of federal laws, rules, and regulations, including TILA/REG Z, Reg E, UDAAP Extensive knowledge of SoFi’s internal processes and products Extensive knowledge of US and SoFi internal banking process Proficient knowledge of dispute categorizations and ability to identify missing or needed information to adjudicate disputes Experience using tools such as Google Sheets/Excel, Docs/Word, and Slides/PowerPoint Excellent interpersonal, written, and verbal skills to communicate effectively with SoFi members and members of SoFi’s leadership team Ability to speak and write with empathy under challenging situations and de-escalate to assist members properly Self-motivated and able to work independently, applying analytical skills required to manage tasks Must be detail-oriented and able to work in a fast-paced environment while multi-tasking to manage competing priorities with critical deadlines. Critical thinking and data-based decision-making in a fast-paced environment with an emphasis on accuracy and speed to resolutions. 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 embracing diversity. 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.