Supervisor, Fraud Operations

Summary

Join Earnest as a Supervisor, Fraud Operations, and lead a high-performing team in investigating and mitigating fraud related to the company's products. You will oversee daily fraud detection protocols, build performance dashboards, identify workflow inefficiencies, and collaborate with various teams to implement improvements. The role requires experience in fraud operations, credit risk, or financial services, including leadership experience and proficiency in data analytics tools. You will represent Fraud Operations during audits and executive reviews. Earnest offers competitive benefits, including health, dental, and vision insurance; a work-from-home stipend; tuition reimbursement; and generous PTO and parental leave. The company is committed to diversity, inclusion, equity, and belonging.

Requirements

• 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

Responsibilities

• Lead, coach, and develop a high-performing team of Fraud Operations analysts focused on investigating and mitigating fraud related to Earnest’s 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

Preferred Qualifications

• 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

Benefits

• 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