Earnest empowers ambitious professionals to make confident financial decisions and build the life they envision. Earnies are committed to helping borrowers move forward with confidence by offering smarter borrowing options with a clearer path to taking control of their debt. If you’re as passionate as we are about our mission, read more below, and let’s build something great together. What You'll Do: - Design, develop, and optimize fraud strategies across personal loans and student loan refinance products - Monitor portfolio performance to identify emerging fraud trends, risks, and optimization opportunities - Develop and deploy fraud rules and strategies using segmentation, statistical analysis, and predictive modeling techniques - Own end-to-end fraud mitigation processes, with accountability for fraud loss reduction and performance outcomes - Design and execute A/B tests and champion/challenger frameworks to evaluate strategy effectiveness - Build and maintain scalable analytical frameworks using tools such as Snowflake and dbt - Develop dashboards and reporting (e.g., Looker) to monitor KPIs such as fraud rate, approval rate, and false positives - Generate actionable insights from structured and unstructured datasets, including limited or noisy data environments - Partner with cross-functional teams (Product, Engineering, Risk, Operations) and external vendors to implement fraud solutions - Leverage internal and third-party data to enhance fraud detection capabilities - Continuously evaluate and refine strategies based on performance metrics and evolving fraud patterns - Communicate insights, strategy performance, and model behavior clearly to stakeholders and senior leadership - Support model development lifecycle, including design, validation, and production deployment About You: - Bachelor’s degree in a quantitative field (e.g., Statistics, Engineering, Analytics, Economics); Master’s preferred - 4+ years of experience in fraud risk, credit risk, or customer risk management within a financial institution or fintech - 3+ years of hands-on experience with SQL, Python, or R for data analysis and modeling - 3+ Proven experience designing and implementing fraud strategies for unsecured lending products (e.g., personal loans) - Strong analytical and problem-solving skills with attention to detail - Ability to translate complex data into clear, actionable insights - Effective communicator with experience influencing cross-functional stakeholders - Self-starter with a high degree of ownership, curiosity, and adaptability Even Better: - Experience with machine learning models (e.g., logistic regression, tree-based models, anomaly detection) - Familiarity with fraud typologies (e.g., synthetic identity, first-party fraud, account takeover) - Knowledge of regulatory frameworks and risk controls (e.g., fair lending, model governance) - Experience with experimentation frameworks and decision systems - Exposure to modern data stack tools (e.g., dbt, Snowflake) and BI tools (e.g., Looker) A little about our pay philosophy: We take pride in compensating our employees fairly and equitably. We are showcasing a range of your potential base salary based on the roles location. The successful candidate’s starting pay will also be determined based on job-related qualifications, internal compensation, candidate location and budget. This range may be modified in the future. Pay Range $124,000—$155,000 USD Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits, including: - Health, Dental, & Vision benefits plus savings plans - Mac computers + work-from-home stipend to set up your home office - Monthly internet and phone reimbursement - Employee Stock Purchase Plan - Restricted Stock Units (RSUs) - 401(k) plan to help you save for retirement plus a company match - Robust tuition reimbursement program - $1,000 travel perk on each Earnie-versary to anywhere in the world - Competitive days of annual PTO - Competitive parental leave What Makes an Earnie: At Earnest, our people bring our cultural principles to life. These principles define how we work, how we win, and what we expect of ourselves and each other: - Every Second Counts: Speed is our competitive advantage. Our customers need better solutions, and the faster we execute, the greater our chance of success. - Choose To Do Hard Things: We win by tackling the hard things that others avoid, fueled by grit and resilience. - Pursue Excellence: Great companies, teams, and individuals never settle and are proud of the work that they do. What’s good enough today won’t be good enough tomorrow. Excellence isn’t a destination; it’s a mindset of continuous improvement. - Lead Together: Our success comes from how we work together. Leadership is not about titles—it is about action. We take ownership, drive results, and move forward as a team. - Don’t Take Yourself Too Seriously: We take our work seriously, not ourselves. The stakes are high, but a sense of humor keeps us grounded, creative, and resilient. At Earnest, we are committed to building an environment where our employees feel included, valued, and heard. Our belief is that a strong commitment to diversity, inclusion, equity, and belonging enables us to move forward with our mission. We are dedicated to adding new perspectives to the team and encourage anyone to apply if your experience is close to what we are looking for. Earnest provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, veteran status, disability or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance.

REQUIRED EDUCATION & EXPERIENCE: Minimum Qualifications: - Bachelor’s degree or equivalent in Finance, Business Administration, Health Care Administration, Nursing, or related field. - Four (4) years of related experience. Preferred Qualifications: - Professional billing experience - Proficiency in Microsoft Office Suite, including Excel and PowerPoint - Experience delivering presentations to internal or external stakeholders. JOB SUMMARY: Develops and tracks meaningful metrics and key performance indicators for SOM and Health System departments to ensure accurate and optimal revenue capture and reimbursement. Responsibilities include interpretation of complex metrics and reporting, and regular communication with departments and external stakeholders on performance and improvement areas. Utilize appropriate tools to support charge capture, revenue reconciliation, denial management, and payment validation. Serve as subject matter expert to Revenue Integrity Analysts. ESSENTIAL JOB FUNCTIONS: Liaison: - Coordinate with report writers to develop department-specific reporting on revenue and reimbursement trends, and analyze complex reports on an ongoing basis. - Meet with department stakeholders to review reporting and assist with root cause analysis, and based on analysis, recommend workflow or system changes to improve performance. - In conjunction with Revenue Cycle, Finance, and Health System/SOM leadership, assume responsibility for the adoption of reporting and metric targets by supported departments. - Provide the data necessary to drive department accountability and achievement of metrics. - Promote process standardization across related departments in order to improve revenue capture and reimbursement, and identify inconsistencies. - Coordinate with IS on completion of any build or enhancements to the system to resolve technical issues related to revenue capture and reimbursement. - Identify and ensure any necessary training is provided to end users in order to correct existing workflows or educate on new processes. - Assist with strategic pricing, chargemaster maintenance, and charge capture reporting. Denial Management: - Coordinate with report writers to develop department-specific reporting on denials and avoidable write-offs, and analyze complex reports on an ongoing basis. - Prepare, compile, and distribute denial and AWO reports, and present data to appropriate stakeholders including the HB and PB Denial/AWO Committees. - Meet with department stakeholders to review reporting and assist with root cause analysis, and based on analysis, recommend workflow or system changes to improve performance. - Provide trending on the types of claims denied and root causes of denials, and collaborate with team members to make recommendations for improvement and issue resolution. - Maintain an updated issues list on behalf of the HB and PB Denial/AWO Committees, and follow up with owning areas as necessary to ensure progress and adherence to resolution plans. - Coordinate with IS on completion of any build or enhancements to the system to resolve technical issues related to denial management. Payment Validation: - Maintain contract management system to ensure accurate and current contract terms. - Perform financial analysis utilizing the contract management system to review overall payor reimbursement as compared to costs. - Facilitate contract modeling and reimbursement impact analyses of proposed contract changes to support negotiations. - Assess opportunities to maximize reimbursement by reviewing cost information, billing practices, and pricing strategies. - Perform reviews of $0 balance accounts for the appropriate contractual reimbursement to ensure payment accuracy compared to expected allowables. - Identify, resolve and escalate any major payment discrepancies or recurring errors at both aggregate and detailed level. - Provide detailed reporting of payment variance opportunities, recoveries and trends for improving performance. - Develop and maintain payor report card in order to assess overall performance of contracts. - Contact identified payer sources to resolve problems or issues related to reimbursement. - Provide frequent updates to leadership on contract performance, including risks to payor compliance with agreed-to contract terms, and current process improvement initiatives. Marginal or Period Functions: - Performs related duties as assigned. KNOWLEDGE / SKILLS / ABILITIES: - High level of customer service skills to establish and enhance positive relationships with clinical departments, Revenue Cycle, IT, Finance, and other stakeholder departments. - Excellent ability to understand and interpret statistical reports and perform quantitative analysis. - Advanced skills in problem solving in a variety of settings and translation of data into actionable steps. - Knowledge and detailed understanding of insurance claim processing and third party reimbursement. - Knowledge and detailed understanding of managed care fundamentals, including negotiated agreements and contract maintenance practices. - Knowledge of multiple clinical disciplines and charging practices. - Knowledge of the principles of Information Systems in order to effectively analyze and make decisions, preferably with proficiency in Epic. - Knowledge of state and federal regulations as they pertain to billing processes and procedures. - Knowledge of various types of provider reimbursement methodologies including per diems, inpatient DRG & APR DRG case rates, percent of charges, and outpatient surgery case rate methodologies such as ASC and OPPS as established by CMS. - Familiarity with both commercial and government payors. - Advanced analytical skills, including ability to provide thorough assessment of contract performance. - Advanced computer skills to support analysis, data management and reporting. - Skill in time management and project management. - Ability to work efficiently under pressure. - Ability to deal effectively with challenging situations. - Skill in effective oral, written, and interpersonal communication. - Skill in time management and project management. - Ability to work independently and take initiative. - Ability to demonstrate a commitment to continuous learning and to operationalize that learning. - Ability to deal effectively with constant changes and be a change agent. - Ability to willingly accept responsibility and/or delegate responsibility. WORKING ENVIRONMENT/EQUIPMENT: - Standard office environment and equipment. SALARY RANGE: Actual salary commensurate with experience. WORK SCHEDULE: Remote position, Monday through Friday, 8:00 AM to 5:00 PM, and as needed on occasion. Equal Employment Opportunity UTMB Health strives to provide equal opportunity employment without regard to race, color, religion, age, national origin, sex, gender, sexual orientation, gender identity/expression, genetic information, disability, veteran status, or any other basis protected by institutional policy or by federal, state or local laws unless such distinction is required by law. As a Federal Contractor, UTMB Health takes affirmative action to hire and advance protected veterans and individuals with disabilities.

REQUIRED EDUCATION & EXPERIENCE: Minimum Qualifications: - Bachelor’s degree or equivalent in Finance, Business Administration, Health Care Administration, Nursing, or related field. - Four (4) years of related experience. Preferred Qualifications: - Professional billing experience - Proficiency in Microsoft Office Suite, including Excel and PowerPoint - Experience delivering presentations to internal or external stakeholders. JOB SUMMARY: Develops and tracks meaningful metrics and key performance indicators for SOM and Health System departments to ensure accurate and optimal revenue capture and reimbursement. Responsibilities include interpretation of complex metrics and reporting, and regular communication with departments and external stakeholders on performance and improvement areas. Utilize appropriate tools to support charge capture, revenue reconciliation, denial management, and payment validation. Serve as subject matter expert to Revenue Integrity Analysts. ESSENTIAL JOB FUNCTIONS: Liaison: - Coordinate with report writers to develop department-specific reporting on revenue and reimbursement trends, and analyze complex reports on an ongoing basis. - Meet with department stakeholders to review reporting and assist with root cause analysis, and based on analysis, recommend workflow or system changes to improve performance. - In conjunction with Revenue Cycle, Finance, and Health System/SOM leadership, assume responsibility for the adoption of reporting and metric targets by supported departments. - Provide the data necessary to drive department accountability and achievement of metrics. - Promote process standardization across related departments in order to improve revenue capture and reimbursement, and identify inconsistencies. - Coordinate with IS on completion of any build or enhancements to the system to resolve technical issues related to revenue capture and reimbursement. - Identify and ensure any necessary training is provided to end users in order to correct existing workflows or educate on new processes. - Assist with strategic pricing, chargemaster maintenance, and charge capture reporting. Denial Management: - Coordinate with report writers to develop department-specific reporting on denials and avoidable write-offs, and analyze complex reports on an ongoing basis. - Prepare, compile, and distribute denial and AWO reports, and present data to appropriate stakeholders including the HB and PB Denial/AWO Committees. - Meet with department stakeholders to review reporting and assist with root cause analysis, and based on analysis, recommend workflow or system changes to improve performance. - Provide trending on the types of claims denied and root causes of denials, and collaborate with team members to make recommendations for improvement and issue resolution. - Maintain an updated issues list on behalf of the HB and PB Denial/AWO Committees, and follow up with owning areas as necessary to ensure progress and adherence to resolution plans. - Coordinate with IS on completion of any build or enhancements to the system to resolve technical issues related to denial management. Payment Validation: - Maintain contract management system to ensure accurate and current contract terms. - Perform financial analysis utilizing the contract management system to review overall payor reimbursement as compared to costs. - Facilitate contract modeling and reimbursement impact analyses of proposed contract changes to support negotiations. - Assess opportunities to maximize reimbursement by reviewing cost information, billing practices, and pricing strategies. - Perform reviews of $0 balance accounts for the appropriate contractual reimbursement to ensure payment accuracy compared to expected allowables. - Identify, resolve and escalate any major payment discrepancies or recurring errors at both aggregate and detailed level. - Provide detailed reporting of payment variance opportunities, recoveries and trends for improving performance. - Develop and maintain payor report card in order to assess overall performance of contracts. - Contact identified payer sources to resolve problems or issues related to reimbursement. - Provide frequent updates to leadership on contract performance, including risks to payor compliance with agreed-to contract terms, and current process improvement initiatives. Marginal or Period Functions: - Performs related duties as assigned. KNOWLEDGE / SKILLS / ABILITIES: - High level of customer service skills to establish and enhance positive relationships with clinical departments, Revenue Cycle, IT, Finance, and other stakeholder departments. - Excellent ability to understand and interpret statistical reports and perform quantitative analysis. - Advanced skills in problem solving in a variety of settings and translation of data into actionable steps. - Knowledge and detailed understanding of insurance claim processing and third party reimbursement. - Knowledge and detailed understanding of managed care fundamentals, including negotiated agreements and contract maintenance practices. - Knowledge of multiple clinical disciplines and charging practices. - Knowledge of the principles of Information Systems in order to effectively analyze and make decisions, preferably with proficiency in Epic. - Knowledge of state and federal regulations as they pertain to billing processes and procedures. - Knowledge of various types of provider reimbursement methodologies including per diems, inpatient DRG & APR DRG case rates, percent of charges, and outpatient surgery case rate methodologies such as ASC and OPPS as established by CMS. - Familiarity with both commercial and government payors. - Advanced analytical skills, including ability to provide thorough assessment of contract performance. - Advanced computer skills to support analysis, data management and reporting. - Skill in time management and project management. - Ability to work efficiently under pressure. - Ability to deal effectively with challenging situations. - Skill in effective oral, written, and interpersonal communication. - Skill in time management and project management. - Ability to work independently and take initiative. - Ability to demonstrate a commitment to continuous learning and to operationalize that learning. - Ability to deal effectively with constant changes and be a change agent. - Ability to willingly accept responsibility and/or delegate responsibility. WORKING ENVIRONMENT/EQUIPMENT: - Standard office environment and equipment. SALARY RANGE: Actual salary commensurate with experience. WORK SCHEDULE: Remote position, Monday through Friday, 8:00 AM to 5:00 PM, and as needed on occasion. Equal Employment Opportunity UTMB Health strives to provide equal opportunity employment without regard to race, color, religion, age, national origin, sex, gender, sexual orientation, gender identity/expression, genetic information, disability, veteran status, or any other basis protected by institutional policy or by federal, state or local laws unless such distinction is required by law. As a Federal Contractor, UTMB Health takes affirmative action to hire and advance protected veterans and individuals with disabilities.

• Analyze all contact and staffing data in order to forecast contact volumes and required staffing based on workload • Produce staffing plans that track historical data to determine trends • Work closely with the WFM Scheduling Analyst and WFM Manager to improve and implement any approved changes to processes and procedures • Serve in this position facilitates ministry activities and contributes to CBN’s Biblical mission