Senior Fintech Risk Analyst

About the role

This position involves overseeing and managing risks associated with our fintech partnerships. You will be instrumental in ensuring our innovative financial products are launched and operated responsibly. The role requires a proactive approach to identifying, assessing, and mitigating potential issues.

Key facts

What you'll do

• Conduct in-depth risk evaluations for complex fintech partner programs, managing deadlines and competing analytical demands.
• Support the enterprise risk management framework for fintech partners by monitoring and analyzing significant risk concerns, such as third-party relationships, model risks, and operational continuity.
• Provide expert review and challenge to risk assessments performed by internal teams, ensuring alignment with established methodologies and regulatory standards.
• Analyze the risk profiles of fourth-party vendors and maintain a comprehensive register of these relationships.
• Act as a primary point of contact for fintech partners' risk and compliance programs, assessing their effectiveness and collaborating on necessary improvements.
• Track, analyze, and report on key risk indicators, synthesizing data into clear summaries for leadership.
• Manage and deliver multiple high-priority risk initiatives concurrently, coordinating with various internal and external parties.
• Build and maintain strong, collaborative relationships with internal departments and risk contacts at our fintech clients.

Requirements

• A minimum of 4 years of experience in risk management, compliance, or internal audit, with a focus on third-party risk management, risk and control self-assessments, or risk reporting.
• Demonstrated experience within the Fintech, Payments, or Banking-as-a-Service sectors, including areas like card issuance, ACH processing, or loan origination.
• Familiarity with banking regulations and supervisory guidelines pertinent to third-party risk and partnerships between banks and fintech companies.
• A solid understanding of the risk management lifecycle, including identifying risks, designing controls, testing their effectiveness, and developing scalable risk metrics.
• Proficiency in using data to create risk dashboards and analyze performance metrics.
• Strong self-motivation, organization, and the ability to manage priorities effectively in a dynamic environment.
• Excellent communication and presentation abilities, with the capacity to provide constructive challenge and explain complex risk concepts to diverse audiences.
• Proven ability to dissect complex and ambiguous risk issues, creating structured plans for resolution.
• Comfort in using AI tools to enhance workflow efficiency, coupled with strong critical evaluation skills to ensure the accuracy and quality of all outputs.

Nice to have

• Experience with AI tools for workflow acceleration.

Skills & tools

• Risk Management Frameworks
• Data Analysis
• Third-Party Risk Management (TPRM)
• Enterprise Risk Management (ERM)
• Fintech
• Payments
• Banking-as-a-Service (BaaS)
• Regulatory Compliance
• AI Tools

Practical notes

• Lead Bank offers competitive compensation, medical, dental, vision, life insurance, 401k matching, and other wellness benefits.
• Paid parental leave and a flexible vacation policy are provided.
• The company fosters an inclusive culture and considers all qualified applicants.
• Reasonable accommodations are available for individuals with disabilities.