Senior Financial Services Operations and Risk Data Analyst

Senior Financial Services Operations and Risk Data Analyst

Requirements

• At least 3-5 years Financial Services, Payments, or Fintech experience including a solid understanding of each of the various card networks, their risk profiles, as well as that of other payments solutions like ACH, wires, and emerging technologies like Buy Now Pay Later
• At least 2 years of Fraud and Risk Prevention experience within financial services
• At least 2 years of data analytics or data science in a vertical SaaS environment
• Strong data analysis skills including writing and amending SQL Queries as well as data mining solutions and dashboard building platforms
• Comfortable collaborating cross-functionally and reporting insights to leaders at various levels of the organization
• Experience working in and with global markets outside of North America in a Payments or Fintech risk management and fraud prevention capacity
• Strong organizational and time management skills with the ability to adapt to change in a high-growth business environment
• Demonstrated strong interpersonal and communication skills, both written and oral
• Comfortable working in a technical operations environment with tight deadlines

Responsibilities

• Lead the development and implementation of advanced analytics and predictive models to assess and address product and portfolio risk, optimize operational processes, identify growth opportunities, and improve overall portfolio performance
• Own the measurement of Operational and Risk Management KPIs developing frameworks for understanding causation, attribution, and trends ensuring alignment with leadership as well as the operational/risk management team
• Design and maintain calculators and pricing predictive models for card payments, ACH, wires, and other financial services solutions for existing and emerging global markets in line with card network interchange and costs, and regulatory compliance
• Creating data based frameworks and implementing tools to safeguard the organization against fraud, regulatory breaches, and financial crime while maintaining a seamless customer experience
• Take initiative in identifying operational and risk gaps that can be met with internal buildouts or external solutions and conduct preliminary analysis on how they would integrate into our Fintech platform
• Collaborate with product, marketing, operational teams, and external vendors to deliver actionable insights and ensure alignment on strategy, goals, and metrics, contributing to data integrity and the success of key initiatives
• Support operational teams in managing various merchant and transaction monitoring operational queues with the goal of safeguarding the business, advising the operations and risk management teams on best practices in evaluating merchants and transaction credit and fraud
• Respond to suspected fraud and fraud events working directly with the Fintech/Payments team and cross functionally with the platform security team
• Use data insights to define the risk tolerance levels for products both at the pilot stage and those already available to the general public
• Collaborate with the data team in creating both operational as well as risk management dashboards and reporting on fraud exposure, the response levels of implemented fraud mitigation tools, and other key performance indicators
• Design materials to educate internal teams and customers about emerging fraud techniques
• Serve as an operational liaison with the key third-party fintech service providers & partners who are required to deliver fraud mitigation solutions to Clio and its customers

Preferred Qualifications

• Direct experience at a digital bank in a data or risk analytics capacity
• Direct experience at a fraud prevention vendor or vertical SaaS platform
• Experience in compliance, fraud, and risk management at a fintech, neobank, merchant acquirer, or card network
• Knowledge of ACH transactions and reversal fraud risk
• Technical knowledge of Artificial Intelligence fraud prevention solutions and their practical application in operations