Oversight Analyst

Responsibilities

• Ongoing monitoring, risk oversight, and governance of company Commercial Third-Party Deposit Partners (CTPDPs).
• Execute monthly, quarterly, and ad hoc oversight activities to identify, assess, escalate, and document risks associated with third-party partners and their customers.
• Serve as a key liaison between partners, relationship management, risk management, AML, and other stakeholders.
• Review monthly partner risk reports and conduct oversight reviews covering AML and compliance issues, OFAC screening results, fraud events, material business changes, third & fourth-party payment activities, and unusual activity referrals.
• Participate in partner meetings and maintain documented meeting notes and evidence.
• Escalate identified risks, control deficiencies, or material issues to appropriate business, risk, AML, and executive stakeholders.
• Analyze Returned Deposit Item (RDI) reports and perform analysis to determine alignment with established risk thresholds, escalating excessive rates to relevant stakeholders.
• Review Sanctions and Adverse Media screening results, supporting escalation and remediation efforts.
• Perform risk-based testing of partner’s customer onboarding files and KYC documentation.
• Review onboarding packages for completeness and compliance with established standards.
• Document audit findings, communicate remediation requirements, and escalate unresolved issues.
• Maintain accurate records and evidence supporting all oversight activities.
• Prepare management reports, risk summaries, and tracking documentation.
• Support audits, examinations, internal reviews, and annual partner assessments.
• Ensure adherence to internal policies, AML programs, sanctions programs, NACHA requirements, and applicable operating rules.

Requirements

• Minimum 2 years of experience in payment operations, risk management, compliance, AML, fraud, or third-party risk management.
• Experience analyzing operational, compliance, financial, and fraud-related risks.
• Strong investigative, analytical, and problem-solving skills.
• Ability to manage multiple priorities and meet recurring regulatory and operational deadlines.
• Bachelor’s degree in Business, Finance, Risk Management, Compliance, Accounting, Criminal Justice, or equivalent experience.

Preferred Skills

• Experience supporting fintech partnerships and embedded payment programs.
• Knowledge of ACH, FedWire, RTP, and other payment methods.
• Understanding of AML/BSA, OFAC, NACHA Operating Rules, third-party risk management, and vendor oversight frameworks.
• Experience working with regulatory examinations, audits, and issue management programs.