Risk Analyst Senior - Financial Risk & Analytics

Pathward, N.A.; Sioux Falls (SD); Híbrido; USD 72 000 - 120 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Health insurance

401(k) retirement benefits

Life insurance

Disability benefits

Paid time off

Resumo da oferta

Pathward, N.A. is seeking a Risk Analyst Senior in the TPRM team to perform ongoing financial and credit reviews of third parties, evaluating liquidity, solvency, profitability, capital adequacy, and bank exposure.

You will help stand up exposure reporting, monitor metrics, assist in risk assessments, and provide credible challenge. This remote/hybrid role offers competitive benefits and a salary range of $72,000–$120,000.

Qualificações

• Proven track record in financial and credit analysis, ongoing monitoring, portfolio analysis, data analytics and risk modeling.
• Experience in analyzing risks in merchant acquiring, card issuing, lending, payments or equivalent third party risk management at enterprise level.

Responsabilidades

• Conduct ongoing financial and credit reviews on third parties and key partners to determine financial health and exposure.
• Assist in standing up TPRM’s exposure reporting, periodic metric monitoring and partner reserve management function.
• Control test the financial risk assessments performed at the First Line.
• Provide credible challenge on risk assessments, control effectiveness and risk acceptance requests.
• Gather and analyze data from various databases, enterprise systems and BI/data visualization platforms.

Conhecimentos

Financial analysis

Credit analysis

Data analytics

Risk modeling

Ongoing monitoring

Portfolio analysis

Effective writing

Formação académica

Bachelor's degree in business

MBA or relevant master’s degree

Ferramentas

Generative AI

Descrição da oferta de emprego

Remote

We are a hybrid, remote-office company dedicated to growing our talent anywhere!

We have onsite locations in: Sioux Falls, SD, Phoenix, AZ, Louisville, KY, Troy, MI, Franklin, TN, Easton, PA.

At Pathward, we take tremendous pride in our purpose to create financial inclusion for all™.We area financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all. We strive to remove barriers that traditional institutions put in the way of financial access, and promote economic mobility by providing responsible, secure, high quality financial products.

We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger and well-positioned for success. We celebrate, and embrace, our team members through our*HUMBLE*HUNGRY*SMARTapproach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

About the Role:

• TPRM is part of the office of the Chief Risk Officer (CRO).
• It is responsible for defining the enterprise-level TPRM framework and conducting risk assessments on third parties and major partners, including control testing, financial analysis, portfolio reviews, exposure analysis, and executive reporting.
• TPRM is considered Second Line of Defense (2LOD) for the bank and is one of the key areas in GRC that manages risks at the Enterprise Level.
• The Risk Analyst Senior role sits in the Financial Risk and Analytics team of TPRM.

What You Will Do:

• Conduct ongoing financial and credit reviews on third parties and key partners to determine their financial health, including their liquidity, solvency, profitability, capital adequacy and the bank’s exposure.
• Assist in standing up TPRM’s exposure reporting, periodic metric monitoring and partner reserve management function.
• Control test the financial risk assessments performed at the First Line.
• Provide credible challenge on risk assessments, control effectiveness and risk acceptance requests.
• Gather and analyze data from various databases, enterprise systems and business intelligence and data visualization platforms.

What You Will Need:

• Proven track record in financial and credit analysis, ongoing monitoring, portfolio analysis, data analytics and risk modeling
• Experience in analyzing risks in the following areas: merchant acquiring, card issuing, commercial and consumer lending, payments, or equivalent third party risk management function at the enterprise level
• Bachelor’s degree in business or related field
• MBA or relevant master’s degree or experience
• Proficient use of Generative AI
• Effective writing and presentation skills
• Strong organizational and problem-solving skills

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary range: $72,000 – $120,000

The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future.This role is also eligible for an annual performance-based incentive opportunity. Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.

Who we are:

Our commitment to inclusion is woven into our DNA. We believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

We provide equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, ethnicity, religion, sex, sexual orientation, gender identity, transgender status, pregnancy, national origin, age (age 40 and over), disability, genetic information, marital status, hair texture or hairstyle, ancestry, service in the uniformed services, protected veteran status, status as a victim of domestic violence or any other class protected by federal, state and local laws.

Applications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted.

Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights.

We are excited to learn more about you! Please share what initially sparked your interest in this role and how it aligns with your professional goals. Additionally, we’d love to hear your thoughts on Pathward as an organization—what drew you to us, and how do you see yourself contributing to our mission? *

Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey.Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiringprocess or thereafter. Any information that you do provide will be recorded and maintained in aconfidential file.

As set forth in Pathward, N.A. ’s Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law.

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection.As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measurethe effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categoriesis as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.