Risk Analyst, Customer Oversight

About the Role

The Customer Oversight team is responsible for maintaining trust in the platform by ensuring controls both protect and enable the business. Plaid powers the tools millions of people rely on to live a healthier financial life, and as a Risk Analyst, you will be instrumental in supporting this mission. Your work will have a direct impact on the future of financial services, and you will be learning about and applying relevant regulatory requirements to support Plaid's expansion into new verticals.

What You Will Do

• Conduct compliance reviews and risk assessments of prospective customers as they move through the Sales pipeline
• Help build, automate, scale, and improve operational workflows and processes
• Perform periodic reviews of client accounts in accordance with onboarding and monitoring policies
• Be a key resource in developing and implementing internal policies and procedures required of a rapidly-evolving risk management function
• Learn about and apply relevant regulatory requirements to support Plaid's expansion into new verticals
• Clearly articulate complex and nuanced compliance requirements to internal and external stakeholders
• Support the broader team in operationalizing regulatory and legal requirements
• Have a meaningful impact on the future of financial services
• Review new and existing customers, conduct risk assessments, and take action in accordance with established policies and procedures
• Partner closely with teams across the organization to resolve cases efficiently and escalate risks when appropriate

What We Are Looking For

• 2+ years of relevant compliance, risk, or operational experience with a specific focus on financial services
• Fintech experience strongly preferred
• Desire to learn relevant laws and regulatory requirements
• Experience with KYC/BSA/AML requirements
• A positive, collaborative, and well-organized self-starter with excellent communication skills
• Ability to work in a fast-paced environment and prioritize multiple tasks and deadlines
• Strong analytical and problem-solving skills
• Ability to articulate complex regulatory requirements to stakeholders

Nice to Have

• Experience with automation tools and workflows
• Knowledge of financial regulations and laws
• Familiarity with risk management frameworks and methodologies
• Certification in compliance or risk management

Benefits and Perks

• Competitive salary and benefits package
• Opportunity to work with a leading fintech firm and impact the future of financial services
• Collaborative and dynamic work environment
• Professional development and growth opportunities
• Access to cutting-edge technologies and tools
• Flexible work arrangements and remote work options
• Generous PTO and holiday package
• Comprehensive health and wellness benefits
• Equity and stock options
• Recognition and reward programs

• To stand out in your application, highlight your experience with compliance reviews and risk assessments, and be prepared to provide specific examples of your work in these areas.
• Develop a strong understanding of relevant laws and regulatory requirements, such as KYC/BSA/AML, and be prepared to discuss how you have applied these in previous roles.
• Showcase your analytical and problem-solving skills by providing examples of how you have identified and mitigated risk in previous roles.
• Be prepared to discuss your experience working in a fast-paced environment and prioritizing multiple tasks and deadlines.
• Consider obtaining a certification in compliance or risk management to demonstrate your expertise and commitment to the field.
• When negotiating salary, be sure to research the market rate for your role and experience level, and be prepared to discuss your expectations and requirements.
• Be aware of red flags such as unclear or unrealistic job expectations, lack of communication from the hiring team, or unclear company values and mission.