Senior Risk Operations Analyst US
About The Position
The Risk Operations team plays a central role in safeguarding Raisin's business by monitoring, assessing, and mitigating risks across all operational areas. We are responsible for managing fraud prevention and mitigation, investigations and recoveries, monitoring for financial crime events (AML, KYC) and implementing effective risk controls to support the company's growth. Our work bridges business, compliance, and technology- analyzing data, processes, and transactions to identify potential threats while also enabling smooth and secure customer experiences. We collaborate closely with cross- functional teams (Product, Compliance, Customer Service, and Engineering) to design and execute risk and fraud management frameworks, enhance operational efficiency, and maintain a strong culture of accountability. As Risk Operations Senior Analyst, you will safeguard Raisin's U.S. platform by ensuring resilience against fraud while managing risk operations at scale. You will be tasked with conducting investigations while working cross-functionally with Customer Service, Payment Operations, Legal, Product and Engineering and Compliance teams. This role reports to the Risk Operations Senior Manager and covers facets of fraud operations, financial crime, payments risk and risk analytics.
Requirements
- 8+ years' experience in fraud risk management, analytics, Bachelor's degree in business, finance, economics, statistics, or related field.
- 1-3 years of experience in risk operations, fraud, compliance, or analytics (fintech, payments, or banking experience a plus).
- Strong analytical skills and proficiency in Excel/Google Sheets; experience with SQL, Python, or dashboarding tools (e.g., Tableau, PowerBI, Looker) is an advantage.
- Detail-oriented with excellent organizational and investigative skills.
- Strong communication skills to collaborate with both internal teams and external partners.
- Proactive, adaptable, and eager to learn in a dynamic fintech environment.
Responsibilities
- Conduct end-to-end (E2E) investigations of risk and fraud events.
- Coordinate with Customer Service on escalated complaints and customer-impact cases.
- Document findings and ensure timely resolution of issues.
- Identify trends from cases to support process and control improvements.
- Develop, maintain, and deliver regular reporting (e.g., Unusual Activity Reports, KPIs).
- Build and automate dashboards to monitor risk and fraud metrics.
- Support development of risk and fraud frameworks with data-driven insights.
- Partner with senior team members to track control effectiveness and emerging risks.
Benefits
- Flexible working hours and 28 vacation days.
- Employee Development Budget of $2,200 and 4 full training days per year.
- Access to Babbel for continuous learning.
- Company 401k contribution of 5%.
- Healthcare coverage contribution, including medical, dental and vision.
- Commuter benefits and flexible working from home policy.
- Regular team events and yearly Summer and Winter Party.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Industry
Web Search Portals, Libraries, Archives, and Other Information Services
Number of Employees
501-1,000 employees
