Operational Risk Challenge & Advisory Senior Analyst

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. This
role 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 and
Control 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)