Risk Analyst

Heitmeyer Consulting; United States; On-site; USD 120,000 - 150,000; Full time

Job summary

Heitmeyer Consulting is seeking an experienced risk professional to join our client’s Payments Segment Risk team, supporting a growing BIN Sponsorship program across issuing and acquiring models. This role will onboard new fintech and processor partners, and perform annual due diligence reviews for sponsored clients in line with regulatory and card network standards.

With a strong pipeline of partnerships, you will review policies, assess AML/BSA, KYC, PCI, and operational risk, and collaborate

Qualifications

• 5+ years in payments, merchant acquiring, or sponsor banks.
• Experience with BIN Sponsorship due diligence (issuing/acquiring).
• Strong background in operational, compliance, and third-party risk management.
• Experience supporting fintech partnerships and payment processors.
• Deep knowledge of AML/BSA, KYC, PCI, and card network rules.
• Ability to read, interpret, and synthesize risk assessments.
• Experience evaluating policies and TPRM frameworks.

Responsibilities

• Perform initial and ongoing BIN Sponsorship due diligence for issuing and acquiring partners.
• Lead annual due diligence reviews for existing sponsored clients.
• Review partner policies: AML/BSA, KYC, PCI, governance.
• Assess AML/BSA programs for regulatory compliance and risk appetite.
• Analyze risk data and card network requirements to identify gaps.
• Collaborate with TPRM, Compliance, Fraud, InfoSec, and others.
• Support onboarding decisions for fintech and processor relationships.
• Prepare executive reports on risk findings and trends.

Skills

BIN Sponsorship

Payments risk

TPRM

AML/BSA

KYC

PCI rules

Policy evaluation

Executive reporting

Job description

Contract Role - Estimated 3-6+ months with potential to extend/convert

Job Summary:

Heitmeyer Consulting is currently seeking an experienced risk professional to join our client’s Payments Segment Risk team, supporting a growing BIN Sponsorship program across both issuing and acquiring models. This role will play a critical part in onboarding new fintech and processor partners, as well as performing comprehensive annual due diligence reviews for active sponsored clients.

With a strong pipeline of fintech partnerships, this position requires hands‑on experience conducting deep, document-intensive due diligence and evaluating programs against regulatory, card network, and bank risk appetite standards.

Key Responsibilities:

• Perform initial and ongoing BIN Sponsorship due diligence for issuing and acquiring partners, including fintechs and processors
• Lead annual due diligence reviews for existing sponsored clients in accordance with regulatory and internal risk requirements
• Conduct detailed reviews of partner policies and procedures (AML/BSA, KYC, PCI, operational risk, governance), often reviewing 80–100 documents per engagement
• Assess the maturity and effectiveness of AML/BSA programs to ensure regulatory compliance and alignment with the bank’s risk appetite
• Analyze risk assessments, audit results, customer information, and card network requirements to identify gaps and recommend remediation
• Partner with Third?Party Risk Management (TPRM), Compliance, Fraud, InfoSec, and other stakeholders to support effective risk oversight
• Support onboarding decisions for a pipeline of fintech and processor relationships seeking bank sponsorship
• Prepare clear, concise executive‑level reporting and present risk findings, trends, and recommendations to senior stakeholders

Basic Qualifications

• 5+ years of experience in payments, merchant acquiring, or sponsor bank environments
• Demonstrated experience with BIN Sponsorship due diligence (issuing and/or acquiring)
• Strong background in operational, compliance, and third?party risk management
• Experience supporting or evaluating fintech partnerships and payment processors
• Deep understanding of AML/BSA, KYC, PCI, and card network regulatory rules
• Proven ability to read, interpret, and synthesize risk reviews and assessments
• Experience with policy and procedure evaluation and TPRM frameworks

Preferred Qualifications:

ACAMS and/or CPP certification strongly preferred