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CRA Risk Analyst, Customer Oversight

Remote:

Hybrid

Contract:

Full time

Salary:

12 - 12K yearly

Experience:

Mid-level (2-5 years)

Work from:

New York (US)

Offer summary

Qualifications:

3+ years of compliance or risk experience, Experience in Fintech strongly preferred, Understanding of FCRA and GLBA, Familiarity with financial services required, Positive, organized, and self-starter.

Key responsabilities:

Manage compliance reviews and risk analyses
Build and improve operational workflows
Perform periodic client account reviews
Develop internal policies for risk management
Operationalize regulatory requirements internationally

Plaid SME https://plaid.com/

501 - 1000 Employees

HQ: San Francisco

See more Plaid offers

Job description

We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam.

The Customer Oversight team at Plaid is a cross-functional team whose responsibility is to enable the business by mitigating risks and maintaining controls that ensure trust in the platform.

Plaid is the gateway used by our customers to build, launch, and scale FinTech applications that democratize financial services. In this role, you’ll be working with Plaid Check, Plaid’s new Consumer Reporting Agency subsidiary; you’ll be responsible for supporting Plaid’s customer oversight risk management activities from regulatory and reputational perspectives. You’ll work closely with our Credit, Go-To-Market, Compliance, Legal, and Engineering teams to ensure trust in the platform and protect the ecosystem.

Responsibilities

Being part of a highly evolving cross-functional team in a rapidly growing organization.

Conducting and managing compliance reviews and risk analyses of prospective Plaid Consumer Reporting Agency customers as they come through the Go-To-Market pipeline

Building, automating, scaling, and improving operational workflows and processes

Performing periodic reviews of client accounts as required by the onboarding policies.

Being a key resource in developing and implementing the internal policies and procedures required of a rapidly-evolving risk management function

Learning about and operationalizing relevant regulatory requirements in new jurisdictions to support Plaid’s international expansion

Articulating complex and nuanced compliance requirements into understandable concepts both internally and externally

Supporting the broader team to operationalize relevant regulatory and legal requirements

Supporting inbound assessments and audit engagements

Qualifications

3+ years of relevant compliance, risk, or operational experience with a specific focus on lending. Fintech experience strongly preferred.

Desire to learn relevant laws and regulatory requirements; experience with FCRA required; experience with GLBA or other consumer financial laws a plus

Ideal candidate is positive, collaborative, organized, focused, and a self-starter

Strong familiarity with financial services and high technology verticals

Being understanding and empathetic to the challenges of early stage companies

Strategic decision-maker that can help shape a global Risk function

Willingness to roll up your sleeves; you’ll wear many hats and will have to balance cross-functional projects with different stakeholders in a wide variety of roles

Intellectual honesty and humility; you should be willing to admit when you don’t know something and should have the discernibility to escalate urgent issues when necessary

Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid!

Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at accommodations@plaid.com.

Please review our Candidate Privacy Notice here.