Senior Risk Associate

Job Description

REQUIREMENTS

• Hands-on experience conducting risk assessments in fintech, payments, or banking, across client or counterparty, third party or vendor, and enterprise or operational risk.
• Working knowledge of underwriting fundamentals: financial statement review, liquidity and runway analysis, loss and exposure monitoring, and limit setting.
• Fluency with rubric-based scoring methodologies and the discipline to apply them consistently and defend a rating.
• A track record of owning discrete risk programs end to end with limited guidance, including authoring the SOPs and defining the metrics that govern them.
• Ability to read control reports (ISO 27001, SOC 2 Type II, PCI DSS AOC) and translate findings into a residual risk position and a remediation ask.
• Comfort working with AI-assisted or agentic tooling, including how to test, tune, document, and defend AI-assisted decisions to bank partners and regulators
• Self-starter who can create structure where none exists and knows when to escalate and collaborate
• Clear, concise writing under a compliance standard: assessments, memos, and committee materials that hold up in front of a partner bank or an examiner

RESPONSIBILITES

• Execute client risk assessments end to end: document collection, interviews, scoring against the weighted risk typologies, written assessment, tier determination, and pre-launch conditions.
• Own program underwriting: apply and maintain underwriting criteria, recommend spend, transfer, and reserve limits, and reassess programs as volume, product mix, and financial condition change.
• Run third party risk operations: vendor intake and tiering, due diligence and certification report review, control effectiveness ratings, the vendor risk register, annual reviews, and vendor issue and incident tracking.
• Support the enterprise risk assessment and the risk register: maintain the assessment inventory and calendar, collect and test control evidence, apply the enterprise rating methodology consistently across sub-assessments, and prepare Enterprise Risk Committee materials.
• Continuously improve the programs: refine rubrics, weights, questionnaires, and templates based on observed outcomes, and author and maintain the SOPs that make each assessment repeatable by someone other than you.
• Test, deploy, and tune agentic tooling across the assessment workflows, including document review, questionnaire analysis, vendor due diligence, and drafting, and document the context that makes the output repeatable and defensible.
• Define and report the KPIs and KRIs for the assessment programs, and surface concentration, trend, and thematic findings to leadership and oversight forums.
• Serve as the evidence owner for partner bank, audit, and examiner requests touching client, third party, and enterprise risk assessment.
• Mentor and cross-train teammates on assessment methodology, scoring discipline, and the tooling.

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