Staff Risk Analyst, Earnin
$170-210k
+ Equity
Paycheck advance service for employees
Be an early applicant
Paycheck advance service for employees
201-500 employees
Be an early applicant
$170-210k
+ Equity
201-500 employees
Company mission
Earnin’s mission is to build a financial system that works for people.
Role
Who you are
- 7+ years in analytics within fintech or consumer products
- Bachelor’s, Master’s, or PhD, or equivalent industry experience
- Demonstrated experience with SQL and have experience with Python or R
- Experience with external fraud platforms such as Visa Risk Manager, Socure or equivalent
- Experience with Periscope, Tableau, Databricks, Amplitude, and/or Optimizely is a plus
- Demonstrated ability to lead cross-functional programs without formal authority
- Proven track record of driving structural improvements in fraud outcomes across multiple domains simultaneously
- Skilled at using data to identify emerging fraud trends, quantify exposure, and translate analytical findings into actionable policy and control changes
- Strong understanding of how a credit card program works end-to-end — including transaction lifecycle, authorization and decline flows, dispute and chargeback processes, credit reporting obligations, and the relationship between card networks, issuing banks, and program managers
- Strong communicator who can translate fraud concepts for non-technical audiences and business requirements into system design decisions
- Comfortable operating under ambiguity and driving from incident to structured action quickly
What the job involves
- We are seeking a Staff Risk Analyst (Fraud) to partner closely with the Chief Risk Officer. This role is the single accountable owner of EarnIn's fraud risk management. You will operate as the company's fraud SME, setting direction, influencing architecture, and driving alignment across Engineering, Product, Compliance, and Fraud Ops
- The scope goes well beyond analysis — you will own the full lifecycle from strategy through implementation and operations, and your impact will be felt across every product and every customer interaction at EarnIn
- Fraud & Identity Strategy
- Own the full fraud policy lifecycle — spanning identity verification, account opening, deposits, card transactions, and key monetary actions — from signal analysis and risk design through rule implementation, monitoring, iteration, and ongoing optimization
- Proactively identify emerging fraud vectors and redesign controls before losses materialize
- Support AML rule design, simulation, and governance in partnership with Financial Crimes Compliance
- Cross-Functional Program Leadership
- Define the long-term fraud strategy that anchors roadmap priorities across Product and Engineering
- Lead fraud initiatives spanning Engineering, Product, Compliance, Fraud Ops, and external partners including Visa and banking partners
- Serve as the primary escalation point during fraud incidents and ATO attacks — leading real-time response across teams
- Drive alignment on risk decisions that balance fraud exposure, customer experience, and regulatory requirements simultaneously
- Analytics & Organizational Enablement
- Build and maintain fraud dashboards enabling real-time monitoring and self-serve analytics
- Mentor junior analysts and build knowledge transfer programs to scale fraud capability across the organization
Our take
Paying bills is an inevitable part of life, but paying them late or dipping into overdrafts can result in fees. This is the reality for millions of workers who have to wait for their paychecks to arrive – and the problem that companies like EarnIn are trying to solve. By allowing hourly workers access to their pay as it is earned rather than on a fixed date, it hopes to provide all Americans with the ability to deal with immediate costs without going into arrears.
Unlike competitors in this growing space, such as Dave, Earnin charges no mandatory fees, instead gaining revenue through a voluntary tipping system. It also requires no credit checks to access its services, which puts it ahead of the growing number of digital banking solutions. This approach has garnered it a strong user base of over 300,000 business customers who offer Earnin as an employee benefit. Around 70 million paycheck advances were taken through the platform in 2022 alone, totalling $5 billion. Since then, this number has grown to an overall earnings access value of $15 billion.
Earnin is growing despite current difficulties in the wider tech landscape and is continuing to hire in all departments. It will continue to improve upon its offering and expand its network of businesses, aiming to give every employee in America control of the money they've earned.
Freddie
Company Specialist at Welcome to the Jungle
Insights
42% employee growth in 12 months
Company
Funding (last 2 of 4 rounds)
Dec 2018
$125m
SERIES C
Sep 2017
$39m
SERIES B
Total funding: $190.1m
Company benefits
- 401k
- FSA
- Mental health resources
- Employee Resource Groups
- Stipend for growth opportunities
- Pet friendly office
- Work from home opportunities
- Health insurance
Company HQ
Evergreen Park, Palo Alto, CA
Leadership
Ram Palaniappan
(Founder & CEO)Was Senior Operations Manager at Reflect.com, a P&G company. Served as President of UniRush from 2004 to 2012.
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