Risk Analyst, Customer Oversight

Plaid•New York, NY

About The Position

We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam. The Customer Oversight team at Plaid is a cross-functional team responsible for protecting the Plaid ecosystem by identifying, assessing, and mitigating risk throughout the customer lifecycle. The team plays a critical role in maintaining trust in the platform by ensuring our controls both protect and enable the business. Plaid is the gateway our customers use to build, launch, and scale fintech applications that expand access to financial services. In this role, you’ll be a core operator on the Customer Oversight team, supporting day-to-day risk operations through customer onboarding and ongoing monitoring. You’ll review new and existing customers, conduct risk assessments, and take action in accordance with established policies and procedures. You’ll partner closely with teams across Go-To-Market, Security Engineering, Legal, and Financial Access to resolve cases efficiently, escalate risks when appropriate, and ensure customers can onboard and operate safely on the platform. This role is well-suited for someone who is detail-oriented, execution-focused, and excited to learn how risk management operates at scale in a fast-growing fintech environment.

Requirements

2+ years of relevant compliance, risk, or operational experience with a specific focus on financial services.
Desire to learn relevant laws and regulatory requirements; experience with KYC/BSA/AML requirements
A positive, collaborative, and well organized self-starter with strong attention to detail
Strong familiarity with financial services and high-technology verticals
Sound judgment and decision-making skills, with the ability to identify risks and escalate issues appropriately
Being understanding and empathetic to the challenges of early stage companies
Willingness to roll up your sleeves and take on a variety of tasks, balancing queue-based work with cross-functional collaboration
Intellectual honesty and humility, including being comfortable asking questions, acknowledging knowledge gaps, and escalating urgent or ambiguous issues when needed

Nice To Haves

Fintech experience strongly preferred

Responsibilities

Being part of a highly collaborative, cross-functional team in a rapidly growing organization
Conducting compliance reviews and risk assessments of prospective customers as they move through the Sales pipeline
Helping build, automate, scale, and improve operational workflows and processes
Performing periodic reviews of client accounts in accordance with onboarding and monitoring policies
Being a key resource in developing and implementing the internal policies and procedures required of a rapidly-evolving risk management function
Learning about and applying relevant regulatory requirements to support Plaid’s expansion into new verticals
Clearly articulating complex and nuanced compliance requirements to internal and external stakeholders
Supporting the broader team in operationalizing regulatory and legal requirements
Having a meaningful impact on the future of financial services