The position is based in Seattle or San Francisco and reports to the Director of Fraud Engineering within the FROST organization, focusing on solution delivery.
Principal Software Engineer - Fraud & AML Solutions
We are seeking a Principal Software Engineer to join our FROST (Fraud, Risk, Operations and Support Technology) team in Seattle. This role will focus on architecting and building sophisticated fraud detection and anti-money laundering solutions using cutting-edge technologies and data-driven approaches to protect SoFi's members and business.
Key Responsibilities :
Solution Architecture & Development :
- Real-time Fraud Detection : Design and implement advanced fraud detection systems using machine learning models, real-time streaming analytics, and complex event processing.
- AML Compliance Solutions : Build comprehensive anti-money laundering solutions including transaction monitoring, customer due diligence (CDD), and suspicious activity reporting systems.
- Data-Driven Risk Models : Develop sophisticated risk scoring models leveraging Member360 unified data layer and advanced analytics capabilities.
Technical Implementation :
Streaming Data Architecture : Build real-time data pipelines using Apache Kafka, Apache Flink, and AWS Kinesis for processing high-volume transaction streams.Machine Learning Integration : Implement ML models using AWS SageMaker, Feature Store, and the Batch Inference Framework for fraud and AML detection.Graph Analytics : Develop entity relationship analysis using AWS Neptune for investigating complex fraud patterns and money laundering networks.Real-time Analytics : Build operational dashboards and investigative tools using Apache Druid for seconds-fresh fraud and AML analytics.Advanced Solution Development :
Risk Decision Engines : Enhance and optimize SAFE (Security and Fraud Engine) and Flowable rule engines for sophisticated risk decisioning.Vendor Integration : Architect solutions integrating with fraud detection vendors like DataVisor, Socure, Transmit Security, and Early Warning System (EWS).Investigation Tools : Build comprehensive fraud and AML investigation platforms within SoFi Atlas for operational efficiencyRequired Technical Expertise :
Core Technologies :
Programming Languages : Expert-level proficiency in languages suitable for high-performance financial systems.Streaming Platforms : Deep experience with Apache Kafka, Apache Flink, and real-time event processing architectures.Machine Learning : Hands-on experience with AWS SageMaker, Feature Store, and ML model deployment frameworks.Data Storage : Expertise in Snowflake, AWS DynamoDB, and time-series databases for fraud analytics.Graph Databases : Experience with AWS Neptune and Gremlin for relationship analysis and investigation workflowsSpecialized Knowledge :
Risk Engines : Experience with rule engines like Flowable, Camunda, or similar decisioning platforms.Real-time Analytics : Proficiency with Apache Druid or similar OLAP systems for operational analytics.Financial Crime : Deep understanding of fraud patterns, AML regulations (BSA / AML, OFAC), and financial crime detection methodologies.Vendor Ecosystems : Experience integrating with fraud detection platforms like DataVisor, identity verification services, and risk data providersWhat You'll Build :
Fraud Detection Solutions
Transaction Monitoring : Real-time fraud scoring systems processing millions of transactions with sub-second response timesDevice Risk Assessment : Advanced device fingerprinting and behavioral analytics using Transmit Security and other risk signalsFirst-Party Fraud Detection : Early Warning System integration and synthetic fraud detection capabilitiesAML Compliance Solutions
Transaction Monitoring : Comprehensive AML transaction monitoring systems for detecting suspicious patterns across all SoFi productsCustomer Risk Profiling : Dynamic customer risk assessment and due diligence automationRegulatory Reporting : Automated suspicious activity reporting and regulatory compliance systemsData & Analytics Solutions
Member360 Implementation : Build unified member data layer enabling real-time and batch access to comprehensive member profilesFeature Engineering : Develop reusable feature pipelines using Snowflake, DBT, and Kafka for ML model training and inferenceInvestigation Analytics : Create advanced analytics tools for fraud and AML investigators with graph visualization and pattern detectionImpact & Innovation
This role offers the opportunity to build next-generation fraud and AML solutions that protect millions of SoFi members while enabling business growth.You'll work with cutting-edge technologies including real-time streaming, advanced machine learning, and graph analytics to solve complex financial crime challenges at scale.Qualifications :
Bachelor's degree with 15+ years of experience, or Master's degree with 12+ years, or PhD with 8+ years
Extensive experience building fraud detection or AML solutions in financial servicesProven track record with real-time data processing, machine learning, and high-scale distributed systemsDeep understanding of financial crime patterns and regulatory requirements.