Supervisor, Fraud Operations (San Francisco)

Our mission is to make higher education accessible and affordable for everyone. We empower students with financial support and supercharge their ability to pay down their debt, so they can get on the right financial track, fast.

We build tools that help people feel in control of their financial future, including:

• Private student loans - low rates, people-first service, and flexible payments.

• Student loan refinancing - break free from high-interest rates or monthly payments.

• Scholarships - access to thousands of scholarships to help students pay less.

Earnies are committed to helping students live their best lives, free from the stress of student debt. If youre as passionate as we are about our mission, read more below, and lets build something great together!

As the Supervisor, Fraud Operations, you will report to the Head of Credit Operations.

As the Supervisor, Fraud Operations, you will:

• Lead, coach, and develop a high-performing team of Fraud Operations analysts focused on investigating and mitigating fraud related to Earnests products.

• Oversee the daily execution of fraud detection protocols and ensure team accountability to quality and service standards.

• Build and maintain performance dashboards to track fraud metrics, loss mitigation, and team productivity.

• Identify workflow and technology inefficiencies; partner with Product, Engineering, Risk, and Data teams to implement improvements.

• Act as the liaison for operational fraud issues, collaborating with Credit, Risk, Compliance, Legal, and Customer Experience teams.

• Represent Fraud Operations during audits and executive reviews, ensuring alignment with internal policies and regulatory expectations.

About You:

• 3+ years of experience in fraud operations, credit risk, or financial services, with at least 1 year in a leadership or people management role.

• Hands-on experience investigating fraud in consumer lending or digital banking.

• Knowledge of fraud detection tools and case management systems (e.g., Alloy, SentiLink, Socure, GIACT).

• Proficient with data analytics tools such as Looker, Tableau, or SQL.

• Strong collaboration skills and a proven track record of partnering with compliance, risk, or legal teams to handle high-risk scenarios.

• Strong analytical, coaching, and communication skills.

Even Better:

• Experience refining fraud rule logic and contributing to the design of fraud detection strategies.

• Prior involvement in regulatory audits or policy reviews.

• Advanced fraud analytics capabilities, including root cause analysis and predictive pattern modeling.

• Exposure to the full loan lifecycle and customer payoff/fulfillment processes.

Where:

• This role will be based in the US.

#LI-JP1

A little about our pay philosophy: We take pride in compensating our employees fairly and equitably. We are showcasing a range of your potential base salary based on the roles location. The successful candidates starting pay will also be determined based on job-related qualifications, internal compensation, candidate location and budget. This range may be modified in the future.

Pay Range

$77,000$96,000 USD

Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits, including:

• Health, Dental, & Vision benefits plus savings plans

• Mac computers + work-from-home stipend to set up your home office

• Monthly internet and phone reimbursement

• Employee Stock Purchase Plan

• Restricted Stock Units (RSUs)

• 401(k) plan to help you save for retirement plus a company match

• Robust tuition reimbursement program

• $1,000 travel perk on each Earnie-versary to anywhere in the world

• Competitive days of annual PTO

• Competitive parental leave

What Makes an Earnie:

At Earnest, our people bring our cultural principles to life. These principles define how we work, how we win, and what we expect of ourselves and each other:

• Every Second Counts : Speed is our competitive advantage. Our customers need better solutions, and the faster we execute, the greater our chance of success.

• Choose To Do Hard Things : We win by tackling the hard things that others avoid, fueled by grit and resilience.

• Pursue Excellence : Great companies, teams, and individuals never settle and are proud of the work that they do. Whats good enough today wont be good enough tomorrow. Excellence isnt a destination; its a mindset of continuous improvement.

• Lead Together : Our success comes from how we work together. Leadership is not about titlesit is about action. We take ownership, drive results, and move forward as a team.

• Dont Take Yourself Too Seriously : We take our work seriously, not ourselves. The stakes are high, but a sense of humor keeps us grounded, creative, and resilient.

At Earnest, we are committed to building an environment where our employees feel included, valued, and heard. Our belief is that a strong commitment to diversity, inclusion, equity, and belonging enables us to move forward with our mission. We are dedicated to adding new perspectives to the team and encourage anyone to apply if your experience is close to what we are looking for.

Earnest provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, veteran status, disability or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance.