Operational Risk Challenge & Advisory Senior Analyst

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Who we are:

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)