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Who we are:

Shape a brighter financial future with us.

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Who we are: Shape a brighter financial future with us.

Together with our members, we’re changing the way people think about and interact with personal finance. 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.

The role:

SoFi is seeking an energetic, detail-oriented, self-motivated, and intellectually curious Independent Risk Management (IRM) Director to support the growth of our Invest business. Your success in this role will rely on deep subject matter expertise in broker-dealer and investment advisory matters and investment product risks. This person will serve as the senior second-line risk leader responsible for independent risk oversight of the Invest business. This role will act as the primary risk partner to Invest leadership, providing credible challenge, strategic risk advisory, and oversight across all material risk categories associated with the business, excluding Compliance Risk, which is overseen by a dedicated Invest Compliance organization. Specifically, the Director will operate in close partnership with Compliance leadership in a coordinated coverage model to ensure comprehensive and effective risk oversight. Will look for this leader to leverage their comprehensive understanding of risk management and the mitigating controls needed across risk types - including operational, fraud, technology, credit and third-party. You will apply lessons learned from peers across the industry - both benchmarking against industry leaders as well as learning from those who have under-performed, ensuring strong risk governance, diversified exposures, and rigorous controls. As part of the Second Line of Defense (2LOD), this individual will provide oversight across risk types for all product and feature launches as well as partner with 1LOD risk owners on ensuring we are appropriately identifying, monitoring, and mitigating risks as part of our framework programs as we scale and grow this business. The ideal candidate is comfortable challenging business assumptions, escalation decisions, and risk‑taking activities to ensure alignment with approved risk appetite. By joining SoFi, you'll become part of a forward-thinking company that is transforming financial services for the better. We offer the excitement of a rapidly growing startup with the stability of an industry leading leadership team.

What you’ll do:

• Serve as the accountable 2LOD Risk Manager for the Invest business, maintaining an enterprise-wide view of Invest’s risk profile including key risk themes and control effectiveness.
• Become a trusted advisor to senior business leaders on risk implications of strategic decisions, product expansion, operational changes, and emerging risks.
• Represent Independent Risk Management in executive forums related to Invest strategy, governance, and risk management.
• Present risk assessments and recommendations to senior management committees, executive leadership, and Board-level governance forums, as appropriate.
• Oversee aggregate portfolio risk trends, including:
  • Operational (trade processing/settlement/service failures, reconciliation breaks, corporate action errors)
  • Fraud (targeted risk assessments across all attack vectors)
  • Third party (vendor diligence, outages and cyber incidents, service degradation, concentration risk)
  • Technology & platform (trading outages, mobile app/API failures, data quality issues)
  • Product (new product introduction, portfolio construction errors, rebalancing failures, product design flaws, unexpected concentration exposures)
  • Credit (margin lending)
  • Model
• Identify thematic and emerging risk trends and ensure timely root‑cause analysis, corrective action plans, and sustainable remediation.
• Collaborate with business units, Enterprise Risk Management, Compliance, AML and other functional teams to optimize the Enterprise Risk Appetite and tolerance. This includes understanding root causes for Key Risk Indicator (KRIs) breaches against tolerance thresholds.
• Support post-launch reviews and continuous control enhancements as the business scales.
• Benchmark risk practices against peer institutions and incorporate lessons learned from industry events or control failures.

What you’ll need:

• 10+ years of experience in Risk Management, Operational Risk, Enterprise Risk, Product Risk, Audit, Compliance, or related control functions.
• Demonstrated experience supporting brokerage, investment advisory, wealth management, digital investing, and/or securities businesses.
• Demonstrated experience providing independent oversight and credible challenge to senior business leaders.
• Experience leading cross-functional risk assessments and governance processes for complex financial services businesses.
• Experience interacting directly with regulators, executive management, and Board committees.
• Exceptional interpersonal, verbal and written communication skills
• Strong leadership, collaboration, influencing and organizational skills with attention to detail

What success looks like:

• Establishing a comprehensive and forward-looking view of Invest business risks.
• Influencing business strategy and product development through effective risk advisory and challenge.
• Ensuring risks remain within Board-approved appetite while enabling business growth.
• Driving timely identification, escalation, and remediation of material issues.
• Maintaining strong partnerships across Invest, Compliance, Technology, Operations, Fraud, and Enterprise Risk functions.
• Demonstrating effective regulatory engagement and governance leadership.

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 an inclusive culture. 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.