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Fraud Investigator (Special Operations)
SoFi
Accounting & Finance, Operations
Jacksonville, FL, USA · cottonwood heights, ut, usa
Posted on Jun 28, 2025
Employee Applicant Privacy Notice
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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.
Job Description
The role:
SoFi is seeking a talented and self-motivated Fraud Investigator to join our Fraud Special Operations team. Our candidate will be responsible for all aspects of fraud investigations as it relates to our Money/CC/Investment/PL. Key responsibilities include conducting in-depth research and completing complex fraud investigations, liaising with federal/state/local law enforcement, identifying recovery opportunities, responding to subpoena requests, and completing special projects as requested by management.
What you’ll do:
- Conducts thorough investigations and inquiries on identified and suspicious accounts within the specified systems
- Prepares cases for criminal prosecution and presents evidence to appropriate law enforcement agencies for prosecution
- Prepares Suspicious Activity Reports (SAR) in compliance with established regulatory guidelines and time frames
- Serves as a liaison with law enforcement agencies and other institutions to ensure SoFi is informed of all relevant potential risks
- Serves as needed to provide testimony in criminal and civil proceedings to the grand jury and/or trial court, as well as files necessary regulatory reports
- Investigate and gather information on suspected fraud cases, including contacting financial institutions and/or clarifying customer statements as necessary
- Identify fraud trends, make recommendations for new strategies to prevent additional losses, and assume responsibility for special projects as assigned by Management
- Analyzes and reviews potentially fraudulent activity to ensure minimal loss to the organization. Coordinates cross-functional communication to resolve fraud situations and provides recommendations to resolve fraud and protect our members
- Conduct periodic internal account/customer reviews to identify potentially fraudulent activity
- Compile information from multiple channels and determine which accounts need to be restricted and or liquidated/closed
- Respond promptly and exercise exceptional communication skills to optimize each contact with customers, partners, and external vendors/banks
- Assists with creating and implementing policies and procedures across all teams
- Provides internal support to other business units on fraud-related issues
- Builds and maintains thriving relationships between partners and vendors, cultivating a culture of collaboration, transparency, and mutual success
- Fosters a culture of accountability, collaboration, speed, innovation, excellence, and a fun work environment while continuously elevating the quality and caliber of our fiscal controls
- Works effectively across the organization to maximize company resources
What you’ll need:
- 5+ years of relevant fraud experience in conducting complex financial crime investigations
- Must be able to interview fraud suspects, demonstrate strong presentation skills, and organized to communicate complex data and facts leading to an admission of involvement
- Proficiency in Google, Excel, and PowerPoint
- SQL experience strongly preferred
- Proficient knowledge of ACH, wire, Zelle, ACATs, and other payment channels operating rules
- Expert knowledge of the Bank Secrecy Act, USA Patriot Act, and other applicable laws and regulations
- Outstanding time management skills and interpersonal skills, and the ability to work with all levels within the organization in a collaborative manner
- Must be able to establish peer relationships and communicate effectively with multiple company disciplines, cross-functional, and external teams, including regulators, Senior Leadership, and law enforcement agencies
- Excellent project management, organizational, and negotiation skills are required
- The ability to apply sound judgment effectively solves problems and determines fraudulent activity consistently
- Understanding of electronic crimes as they relate to fraud and theft of credentials
- Excellent critical thinking and problem-solving skills
- Detail-oriented and process-oriented approach who can handle multiple cases concurrently requiring multi-tasking skills
- Accepts responsibility, ownership, and accountability for work results
- Finds a high-volume, dynamic, and team-focused environment engaging
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 employment qualified applicants with arrest and conviction records.
New York applicants: Notice of Employee Rights
SoFi is committed to embracing diversity. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com.
Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.
Internal Employees
If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.