EarnIn

Risk Engineer

United States

$147,800 – $180,600Compensation
Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level
Full TimeJob Type
UnknownVisa
FintechIndustries

Requirements

Candidates should have a Bachelor's degree or equivalent industry experience, with at least 3 years of experience defining, measuring, and maturing a compliance program (5+ years strongly preferred). A risk-approach mindset is essential, along with the ability to manage multiple concurrent priorities in a fast-paced environment. Demonstrated experience with at least three security control frameworks such as PCI-DSS, SOC II Type 2, NIST, or ISO 27001 is required, as is experience building and automating processes and controls. Familiarity with key cloud-based security platforms (AWS, OKTA, Cloudflare, etc.) and security processes (Vulnerability Management, Risk Management, IAM, etc.) is necessary. Strong analytical skills and experience in mapping, redesigning, and optimizing business processes for security, privacy, and compliance are also required.

Responsibilities

The Risk Engineer will lead and own audit readiness for NIST CSF, AICPA SOC II Type 2, and PCI-DSS. They will own a cyber risk assessment and drive maturity in the third-party risk management program (TPRM). Responsibilities include supporting go-to-market and compliance teams by addressing security and compliance inquiries, operationalizing the enterprise risk register, and establishing/enforcing security compliance processes and documentation. The role involves automating processes, implementing compliance tooling, driving adoption of Compliance as Code, and executing operational tasks with excellence.

Skills

Risk Engineering
Security Assurance
Cybersecurity Risk Management
Risk-based Approach
Operational Excellence
Security Certification
Automation
Problem-Solving
Collaboration

EarnIn

Provides early wage access without fees

About EarnIn

Earnin allows individuals to access their earned wages before payday without any fees or interest. Users can cash out a portion of their earnings and benefit from features like the "Balance Shield," which helps maintain their bank account balance. Unlike traditional financial institutions, Earnin operates on a model where users choose how much to pay for the service, fostering a community-driven approach. The company's goal is to create a fairer financial system that prioritizes accessibility and mutual support.

Palo Alto, CaliforniaHeadquarters
2012Year Founded
$184.9MTotal Funding
SERIES_CCompany Stage
FintechIndustries
201-500Employees

Benefits

Life in balance - Ten company holidays and flexible time off so you can rest and recharge when you need it most. With pay, no catch.
Family matters - When your family grows, we want your focus on them. Our generous parental leave policy and wellness funds make it easy to put yourself and loved ones first.
Learn & grow - A commitment to career development that includes regular training for team members and managers alike, 360 feedback, and an annual stipend for growth opportunities.
Company culture - Employee Resource Groups provide growth opportunities and allow you to create the company *you* want to work at (more on that below).
Health & wellness - Flexible healthcare options across medical, dental, and vision—and a free Employee Assistance program offering mental health resources and legal advice.
Save & support - Includes Earnin’s 401(K) and FSA plans with tax advantages for retirement, healthcare, and dependent care expenses.

Risks

Legal challenges from deceptive lending allegations could harm Earnin's reputation.
Increased competition in early wage access may impact Earnin's market share.
Reliance on voluntary contributions may not sustain long-term revenue.

Differentiation

Earnin offers fee-free early wage access, unlike traditional payday loans.
Users choose their payment amount, fostering a community-driven financial model.
Balance Shield feature provides automatic deposits to prevent overdrafts.

Upsides

Earnin has facilitated over $15 billion in earnings access since 2013.
Recognition as Best Payments App highlights Earnin's fintech innovation.
Partnerships with gig platforms could expand Earnin's user base.

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