Risk Analyst Senior - Financial Risk & Analytics

Pathward, National Association; United States; Hybrid; USD 72,000 - 120,000; Full time

Benefits offered by this job

Health insurance

401(k) retirement benefits

Life insurance

Disability benefits

Paid time off

Job summary

Pathward, National Association is seeking a Senior Risk Analyst in TPRM to join the Financial Risk and Analytics team. The role conducts ongoing financial and credit reviews of key third parties, supports exposure reporting, and challenges risk assessments with a data-driven approach.

The position requires a track record in financial analysis, experience with merchant acquiring or payments risk, a business degree, and MBA or equivalent.

Qualifications

• 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, commercial and consumer lending, payments, or equivalent third party risk management at the enterprise level.
• Proficient use of Generative AI is preferred.
• Effective writing and presentation skills are required.
• Strong organizational and problem-solving skills are essential.

Responsibilities

• Conduct ongoing financial and credit reviews on third parties and key partners to determine financial health.
• Assist in standing up TPRM's exposure reporting, periodic metric monitoring and partner reserve management.
• 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 platforms.

Skills

Financial analysis

Data analytics

Risk modeling

Generative AI

Writing skills

Presentation skills

Organizational skills

Problem solving

Education

Bachelor's degree in business or related field

MBA or relevant master's degree or experience

Job description

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*SMART approach, 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. 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.

#LI-Remote

Pathward is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law.

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.

Pleaseclick here to learn more about our benefits and review information about our Privacy Policy, Affirmative Action Plan and other notices. Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws. For assistance completing an application, please contact a Pathward People & Culture Representative by emailing - [e-mail]

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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.