---
title: 'Compliance Specialist at SoFi'
canonical: 'https://feeny.ai/job/compliance-specialist-sofi-united-states-dptkx691tfz3'
type: 'job'
last_seen: '2026-11-12'
---

# Compliance Specialist at SoFi

- **Company:** SoFi
- **Location:** United States
- **Posted:** 2026-11-11
- **Last confirmed live:** 2026-11-12
- **Apply:** https://sofi.com/careers/job/8200863003?gh_jid=8200863003

## Job description

[Employee Applicant Privacy Notice](https://www.sofi.com/sofi-employee-applicant-privacy-notice/)

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

The Independent Compliance Testing (ICT) Program serves as a key second line of defense at SoFi, helping ensure regulatory requirements are met across applicable lines of business.

As an ICT Compliance Specialist, you will perform independent compliance testing, monitoring, audit, and remediation validation activities across the enterprise. You will assess business-line adherence to applicable consumer and commercial lending, credit card, payments, and servicing laws and regulations.

This role will focus on customer restitution and remediation validation, ongoing monitoring of compliance metrics and controls, audit readiness, issue management, and corrective-action testing. The successful candidate must have hands-on experience conducting audits or compliance reviews, evaluating controls, documenting testing procedures, identifying findings, and validating remediation.

The ICT Compliance Specialist will report to the Regulatory Compliance Testing Team Lead and may support testing across additional financial-services subject areas as needed.

## What You’ll Do

- Execute independent compliance testing, audit, validation, and monitoring activities in accordance with ICT methodology, standard operating procedures, and team leadership guidance.
- Develop and execute audit and compliance testing procedures to assess the design and operating effectiveness of controls.
- Perform risk-based validation of customer remediation and restitution activities, assessing accuracy, completeness, fairness, and timeliness.
- Evaluate remediation milestones and validation tollgates, including scoping, population identification, calculation methodology, payment execution, and sustainability.
- Conduct ongoing and quarterly monitoring of key compliance metrics, operational controls, and regulatory requirements.
- Analyze trends, exceptions, control gaps, and emerging risks to identify potential systemic issues.
- Validate the accuracy and integrity of data provided by first-line business teams for metrics related to SCRA, FCRA, Regulation B, and other applicable regulations.
- Partner with Data Analytics and technical teams to review queries, logic, inclusion and exclusion criteria, lookback periods, and impacted-population methodologies.
- Recalculate restitution and remediation amounts to confirm that financial relief is accurate and aligned with approved criteria.
- Identify, classify, document, and track audit and compliance findings through remediation and issue closure.
- Perform follow-up testing, sustainability reviews, and validation procedures to confirm that corrective actions have been fully implemented and remain effective.
- Investigate potential errors through structured inquiry, sampling, data analysis, and root-cause analysis.
- Determine whether identified issues are isolated or systemic and assess their potential compliance and customer impact.
- Coordinate validation intake, audit planning, testing milestones, planning meetings, status updates, and stakeholder communications.
- Prepare clear audit workpapers, validation memoranda, monitoring reports, sampling strategies, dashboards, and executive-level reporting.
- Maintain complete, accurate, and audit-ready documentation supporting testing conclusions and independent review.
- Coordinate with business teams, Compliance, Internal Audit, and other stakeholders during regulatory examinations and internal audits.
- Provide requested documentation, data, testing results, and issue-status updates within established deadlines.
- Establish and maintain effective working relationships with Compliance Officers, Issue Owners, Member Remediation, business leaders, Internal Audit, and cross-functional partners.
- Identify opportunities to improve monitoring and audit efficiency through data analytics, automation, and technology-enabled compliance solutions.
- Complete all testing, monitoring, documentation, and reporting activities in accordance with established timelines and the program’s annual validation plan.

## What You’ll Need

- Bachelor’s degree.
- At least 6+ years of professional experience in internal audit, compliance audit, regulatory compliance testing, compliance monitoring, or regulatory risk, preferably within financial services or a regulated banking institution.
- Demonstrated hands-on experience conducting internal audits, compliance audits, regulatory reviews, or control assessments.
- Experience developing audit scopes, testing procedures, sampling approaches, workpapers, findings, and audit or validation reports.
- Experience evaluating control design and operating effectiveness.
- Experience tracking corrective actions and performing follow-up testing to confirm remediation and sustainability.
- Strong working knowledge of consumer lending, credit cards, payments, servicing, and applicable laws and regulations.
- Familiarity with Regulation Z, Regulation B, the Fair Credit Reporting Act, the Truth in Lending Act, the Equal Credit Opportunity Act, the CARD Act, the Fair Credit Billing Act, the Servicemembers Civil Relief Act, the Military Lending Act, E-SIGN, and applicable state laws.
- Experience evaluating data populations, sampling methodologies, calculations, controls, and remediation outcomes.
- Strong documentation skills, including preparation of audit workpapers, validation memoranda, monitoring reports, and audit-support materials.
- Strong analytical, problem-solving, critical-thinking, and root-cause-analysis skills.
- Ability to identify trends and risk themes from data and translate findings into clear business conclusions.
- Strong written and verbal communication skills.
- Ability to manage multiple priorities, meet deadlines, and work effectively in a fast-paced environment.
- Ability to collaborate with cross-functional stakeholders and operate independently under established methodology and leadership guidance.
- Experience supporting internal audits, regulatory examinations, or external audits.

## Nice to Have

- CRCM, CIA, CISA, CPA, CAMS, or other relevant compliance, audit, risk, or financial-services certification.
- Experience with SQL, data analytics, dashboarding, or automated monitoring tools.
- Experience with customer remediation, restitution, or enterprise issue-management programs.
- Experience working with consumer and commercial financial products.
- Experience preparing executive reporting related to audit, compliance monitoring, findings, remediation, and risk trends.

## 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](https://sofietyinfo.sofi.com/sofi-benefits) 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](https://dol.ny.gov/system/files/documents/2022/02/ls740_1.pdf)

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.

We are unable to accommodate remote work from Hawaii, Alaska or Puerto Rico 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.

## About SoFi

## Company Overview
- **One-liner**: SoFi is a next-generation fintech company using innovative, mobile-first technology to help 14.7 million members reach financial independence and “get their money right.”
- **Entity Type**: Public (Ticker: SOFI on Nasdaq)
- **Headquarters**: San Francisco, California, USA (with offices in Seattle, New York, Frisco, Cottonwood Heights, Helena, Murray, Greenville, Claymont, and more)
- **Founded**: 2011
- **Founders**: Founded by Stanford business school students (originally as Social Finance, Inc.) — specific names not listed in the provided sources.

## Core Business
- **Primary industry/industries**: Personal finance / financial services (banking, lending, investment, credit, insurance)
- **Target customers**: B2C (individual members seeking loans, banking, investing, credit cards, mortgages, travel rewards) and B2B (employer‑facing “SoFi at Work” benefits and financial wellness programs)
- **Mission**: “To help people reach financial independence to realize their ambitions.”

## Products & Services
- **[SoFi Checking & Savings](https://www.sofi.com/)**: FDIC‑insured checking and savings accounts with no fees, competitive APY, and early direct deposit.
- **[SoFi Invest](https://www.sofi.com/invest/)**: Commission‑free stock trading, crypto trading, automated investing, and IPO access.
- **[SoFi Personal Loans](https://www.sofi.com/personal-loans/)**: Unsecured personal loans for debt consolidation, home improvement, etc. (up to $100K).
- **[SoFi Student Loan Refinancing](https://www.sofi.com/student-loans/)**: Refinancing for federal and private student loans (the first company to offer this).
- **[SoFi Mortgages](https://www.sofi.com/mortgage/)**: Home purchase and refinance loans.
- **[SoFi Credit Card](https://www.sofi.com/credit-card/)**: 2% unlimited cash back rewards on all eligible purchases.
- **[SoFi Travel](https://www.sofi.com/travel/)**: Booking portal powered by Expedia, allowing members to save and earn rewards.
- **[SoFi Insurance](https://www.sofi.com/insurance/)**: Comparison and access to auto, home, renters, pet, and life insurance.
- **[SoFi at Work](https://www.sofi.com/at-work/)**: Employer‑sponsored financial wellness benefits, including student loan contributions and refinancing.
- **[Galileo](https://www.sofi.com/our-story/)**: Financial technology platform (API‑based) for card issuing and digital banking, operated as a subsidiary.

## Market Standing
- **Valuation/Market Cap**: Publicly traded on Nasdaq (SOFI). Current market cap is not directly provided in the sources; refer to SoFi’s latest SEC filings or financial data platforms.
- **Key Metrics**:
  - **14.7 million members** (as of 2025‑2026) — [sofi.com](https://www.sofi.com/)
  - **$117 billion+ in funded loans** — [sofi.com](https://www.sofi.com/)
  - **$34 billion+ in debt paid off by members** — [sofi.com/our-story](https://www.sofi.com/our-story/)
  - **$12.5 billion+ in rewards earned** — [sofi.com](https://www.sofi.com/)
  - **Annual Revenue**: See SoFi Technologies 2025 Annual Report (SEC filing) for latest financial results — [sec.gov](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000034/sofitech2025ars.pdf)
- **Notable Investors/Partners**: Not detailed in provided sources; historically received a $1 billion funding round in 2016 (the first U.S. fintech to do so) — [sofi.com/our-story](https://www.sofi.com/our-story/)
- **Growth Signals**:
  - Received federal approval to become a national bank (2023) — [sofi.com/our-story](https://www.sofi.com/our-story/)
  - Reached 10 million members in 2022 and 14.7 million by early 2026 — [sofi.com](https://www.sofi.com/)
  - 121 open roles listed across 16 locations as of mid‑2026 — [sofi.com/careers](https://www.sofi.com/careers/)
  - Continuous product expansion (travel, credit card, bank, etc.)

## Competitive Advantages
- **All‑in‑one fintech ecosystem**: Banking, lending, investing, insurance, and travel in a single mobile‑first app — hard for single‑product fintechs to replicate.
- **SoFi National Bank**: FDIC‑insured checking and savings, giving SoFi a direct banking charter that reduces reliance on third‑party partners.
- **Galileo Platform**: Powers card issuing and digital banking for many fintechs, creating a network effect and deeper technology moat.
- **Member‑centric rewards**: SoFi Plus membership program bundles benefits (higher APY, bonus rewards, career coaching).
- **Student loan repayment as employee benefit**: Unique perk for attracting talent (as well as offering SoFi at Work to other employers).

## Strategic Focus
- **Deepen member engagement**: Cross‑sell more products within the single app to increase lifetime value.
- **Grow the bank**: Expand deposits, lending, and banking services under the national bank charter.
- **SoFi at Work**: Scale B2B benefits offering to acquire members through employers.
- **International/vertical expansion**: Potential for new product lines (e.g., SoFi Travel, insurance marketplace).
- **Maintain cost discipline**: Leverage technology to keep customer acquisition costs low while improving unit economics.

## Why Work Here
- **Culture**: Defined by “The SoFi Way” — act as a founder, relentless problem solver, and partner to members and colleagues. Emphasis on transparency, trust, and cross‑collaboration.
- **Flexible Work**: Some teams offer remote, hybrid, or full‑time in‑office based on role; managers help decide the best setting. SoFridays (no meetings after 2 p.m. local time) protect focus time.
- **Benefits**:
  - **$200/month student loan contribution** to help employees pay down debt — [sofi.com/careers](https://www.sofi.com/careers/)
  - Comprehensive health, vision, dental, life, disability; fertility & family planning options; flexible time off
  - Tuition reimbursement up to $5,250/year + regular training and leadership programs
  - **SoFi Gives**: 16 hours of paid volunteer time off per year
  - **SoFi Circles**: 8 Employee Resource Groups fostering inclusion and belonging — [sofietyinfo.sofi.com/why-sofi](https://sofietyinfo.sofi.com/why-sofi)
- **Learning & Development**: Career pathways, manager excellence framework, and mentorship programs.
- **Monthly All‑Hands with CEO** for direct transparency.
- **Locations**: Major hubs include San Francisco, Seattle, New York, and Frisco (Texas); remote work is not available from Hawaii or Alaska due to insurance coverage — [sofi.com/careers](https://www.sofi.com/careers/)

## Sources
1. [SoFi Careers Page](https://www.sofi.com/careers/) — benefits, culture, job openings, locations
2. [SoFi Homepage](https://www.sofi.com/) — member count, funded loans, key metrics
3. [SoFi Our Story / About](https://www.sofi.com/our-story/) — founding history, milestones, mission
4. [SoFi 2025 Annual Report (SEC)](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000034/sofitech2025ars.pdf) — financials
5. [SoFi Candidate Resource Website (Why SoFi)](https://sofietyinfo.sofi.com/why-sofi) — flexible work, culture, SoFi Gives, learning programs, SoFridays

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