Senior Trading Credit Risk Analyst (Margin & Options)
About The Position
Altruist is transforming the multi-trillion dollar wealth management industry by building an AI platform for wealth professionals. We partner with financial advisors nationwide, empowering them to grow, optimize time and resources, and deliver superior outcomes for their clients. We're looking for exceptional talent to help us achieve our mission of making financial advice better, more affordable, and accessible to all. If you're passionate about challenging the status quo and want to do the most important work of your life, we'd love to meet you! Altruist is launching and scaling Margin and Options, two of the most risk-intensive capabilities at a modern custodian. We're hiring a Senior Analyst, Trading Credit Risk (Margin & Options) to execute the daily risk surveillance, exception review, and escalation work that keeps these products safe. This role sits within the Trading & Brokerage Operations organization and reports to [reporting manager]. It is a hands-on individual contributor role with a clear growth path toward the Manager, Trading Credit Risk seat for someone who performs, builds, and aspires to lead.
Requirements
- 2+ years of experience in margin, credit risk, or brokerage risk operations at a broker-dealer, clearing firm, or custodian
- Hands-on experience with margin calls, debit balances, or credit monitoring strongly preferred
- Working knowledge of Reg T, maintenance margin, PDT rules, and basic options mechanics
- Experience with exception reports and time-sensitive workflows
- Experience with platforms such as FIS Phase 3, Stream Credit Monitor (SCM), or similar credit systems
- Strong Excel skills
- FINRA Series 7 and Series 63 required
- High attention to detail and a strong sense of accountability
- Sound judgment and comfort escalating when risk thresholds are breached
- Clear written and verbal communication for advisor and internal interactions
Nice To Haves
- Exposure to OMS/risk tools such as Sterling a plus
- SQL or Python a plus
- Series 4 a plus, but not required
- Series 57 a plus, or willingness to obtain
- Aspires to grow into the Manager seat and shows it through initiative, documentation, and ownership beyond the task list
- Genuinely curious about AI: you experiment with AI tools to speed up analysis, triage, and repetitive work, and you bring those ideas to the team
Responsibilities
- Perform daily reviews in Stream Credit Monitor (SCM) to validate margin requirements, calls, and exceptions
- Monitor concentration, liquidity, and volatility risk across margin accounts and flag emerging exposure
- Use Sterling Risk Monitor (SRM) to assess intraday exposure, stress scenarios, and downside risk
- Track debit balance trends and accounts approaching liquidation thresholds, escalating per policy
- Coordinate with the Trade Desk on liquidations required to satisfy margin or debit obligations
- Apply collateral treatment rules, including haircuts on fixed income and other security types, in daily reviews
- Run expiration-day and in-the-money (ITM) reviews for assignment and exercise exposure
- Identify uncovered or at-risk options positions and escalate for resolution
- Support monitoring of OCC margin outputs (STANS) and spread files in partnership with Operations
- Execute daily work in compliance with Regulation T, FINRA Rule 4210, and FINRA Rule 2360
- Support Reg T extension filings and exception documentation
- Maintain clear documentation and audit evidence for daily reviews, exceptions, and escalations
- Contribute to KRI tracking and recurring risk reporting
- Provide operational feedback and testing support to Product and Engineering during risk control buildouts
- Identify manual surveillance steps that can be automated and propose improvements, including experiments with AI tooling
Benefits
- Competitive pay and equity for eligible positions
- Premium healthcare, dental, and vision insurance plans (HMO and PPO)
- 401k savings plan with a 4% match and immediate vesting
- 16 week paid parental leave after one year of employment
- Professional growth and development opportunities including an employee mobility program and an annual L&D budget allocation for each employee
- Company perks program (includes discounts on pet insurance, fitness, cell phone plans, and travel, etc.)
- Financial guidance program (includes counseling on navigating debt, tracking personal spend, saving and planning goals, home-purchasing preparedness, etc.)
- One month work from anywhere policy (with the exception of a few countries)
- Bonus program for eligible roles
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
No Education Listed
