Senior Fintech Risk Analyst

Role Description

We are seeking a dynamic, strategic, and analytical Senior Fintech Risk Analyst to join our team and work with our Fintech Banking-as-a-Service (BaaS) partners and Payments clients. In this role, you will expertly execute risk programs, while collaborating to optimize the Enterprise Risk Management (ERM) oversight of Lead’s fintech partners.

As a Senior Analyst, you will act as a primary risk consultant to cross-functional teams throughout the Bank and senior leadership. You will own the end-to-end execution of complex risk assessments, provide robust credible challenges to internal and external stakeholders, and ensure our fast-growing fintech portfolio scales safely within the Bank's risk appetite.

• Deliver Advanced Risk Assessments: Execute high-priority quantitative and qualitative risk assessments on complex fintech partner programs, expertly managing tight deadlines and competing analytical priorities.

• Execute Fintech ERM Programs: and support the Enterprise Risk Management framework for fintech partners, by actively tracking, analyzing, and monitoring complex risk issues (e.g., third-party risk, model risk management, operational resilience), while providing feedback to continuously improve on our oversight processes.

• Provide Robust Credible Challenge: Serve as a subject matter expert to provide rigorous, credible challenge to risk assessments performed by internal business lines, ensuring strict adherence to ERM methodologies, program and regulatory standards.

• Analyze 4th-Party Risk Ecosystems: Conduct the risk analysis and due diligence for 4th-party vendors, while building and maintaining the 4th party vendor register ecosystem.

• Execute 1LoD Partner Risk Oversight: Serve as the First Line of Defense (1LoD) for fintech partners’ TPRM and ERM programs; review program effectiveness, monitor ongoing compliance, and collaborate with partner teams to track and support necessary remediation when gaps are identified.

• KRI Management & Risk Reporting: Track, monitor, and analyze Key Risk Indicators (KRIs within established frameworks). Synthesize complex data into clear, actionable reports and dashboards illustrating risk exposure and portfolio trends for senior leadership and risk committees.

• Risk Project Delivery: Successfully manage the execution of multiple high-visibility, in-flight risk initiatives simultaneously, effectively aligning diverse internal and external stakeholders.

• Relationship Management: Cultivate deep, collaborative, and consultative relationships with internal business lines and risk counterparts at Lead’s fintech partners, balancing a strong risk culture with a client-enablement mindset.

• Perform other duties as assigned.

Qualifications:

• Experience: 4+ years of direct experience in risk management, compliance, or internal audit, specifically within third-party risk management (TPRM), risk & control self-assessments (RCSA), or risk reporting.

• Domain Expertise: Proven experience in the Fintech, Payments, or Banking-as-a-Service (BaaS) sectors (e.g., card issuing, ACH/payments, loan origination via bank sponsorship models) is highly preferred.

• Regulatory Knowledge: Familiarity of banking regulations and supervisory guidance relevant to third-party risk and bank-fintech partnerships (e.g., OCC, Fed, FDIC guidances).

• Advanced Risk Frameworks: Strong command of the risk management lifecycle, including risk identification, control design, control effectiveness testing, and building scalable risk metrics.

• Data & Analytics Skills: Strong proficiency in utilizing data to build risk dashboards and synthesize metrics.

• Execution & Proactive Drive: Highly self-motivated and organized professional who thrives in a fast-paced environment; demonstrates strong ownership over their work and deliverables and proactively manages work priorities.

• Communication & Influence: Exceptional communication and presentation skills; confident in providing credible challenges to internal functional areas and fintech partners and able to present complex risk topics clearly to senior management and external clients.

• Problem Solving: Proven ability to analyze ambiguous, complex risk issues and translate them into structured, actionable, and trackable milestones within a remediation plan.

• AI Leverage & Critical Discernment: Comfortable utilizing AI tools to accelerate workflows, paired with exceptional reading comprehension and writing skills to critically evaluate, refine, and validate all outputs; understands that AI is a guide, but final quality and accuracy require human oversight and sharp analytical thinking.