Director, Card Fraud

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 This role sits within the Fraud Management Center of Excellence (COE) and is responsible for defining and executing fraud strategies and policies to minimize debit and credit card losses while delivering an exceptional member experience. The Director of Card Fraud owns key strategic focus areas and contributes to broader departmental strategy. This leader will provide thought leadership to develop best-in-class policies across card declines, verification strategies, dispute intake, and dispute resolution—while ensuring compliance with applicable regulations. What You’ll Do Develop and implement fraud strategies to mitigate card fraud, including unauthorized transactions, merchant disputes, provisional credit policies, and dispute resolution Lead and develop a team of individual contributors and managers, including hiring, performance management, and career development Partner cross-functionally with Fraud Analytics, Operations, Product, Engineering, and business leaders to implement fraud prevention strategies Build and enhance analytical frameworks and metrics to proactively identify, quantify, and assess fraud risk Lead investigations into suspected fraudulent activity, coordinating with internal and external stakeholders Make final decisions on strategy implementation and ensure operational effectiveness for the Card Fraud function Establish and maintain a fraud risk management framework, including policies, procedures, and controls Ensure compliance with applicable regulations and industry standards, including Regulation E and Regulation Z Analyze fraud trends and emerging patterns to inform proactive mitigation strategies What You’ll Need 10+ years of experience in fraud risk management, financial crime investigations, or a related field Strong subject matter expertise in debit and credit card fraud and disputes 5+ years of people management experience Strong analytical and problem-solving skills, with the ability to analyze complex data and identify patterns Proficiency in data analysis tools and languages such as SQL, Python, or R Excellent written and verbal communication skills, with the ability to clearly articulate findings and recommendations 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 employ