Risk Management Specialist

Responsibilities

• Serve as a multi-workflow risk expert, executing analysis and making final decisions across distinct Risk Operations domains (e.g., IDV, IUW, Fraud, Chargebacks).
• Conduct thorough Know Your Customer (KYC) and Know Your Business (KYB) due diligence procedures to verify the identity and legitimacy of customers and businesses.
• Analyze customer information, financial patterns, and transaction data to identify and investigate potential fraud, financial, and compliance risks.
• Understand and operate within standard operating procedures (SOPs) and established guidelines across all workflows to effectively mitigate risk and ensure regulatory compliance.
• Make informed approval, decline, or restrictive decisions while balancing customer empathy with risk policies.
• Serve as a key customer-facing representative to review account risks, provide top-notch service, and effectively de-escalate sensitive or difficult customer situations.
• Document all findings and maintain meticulous records of transactions, investigations, and final risk decisions for audit and compliance purposes.
• Collaborate effectively with cross-functional teams (e.g., Engineering, Product, Customer Service) to resolve complex customer-related issues.
• Identify areas for improvement and propose changes to optimize processes, enhance risk controls, and improve the efficiency of our operational technology.
• Stay up-to-date with industry trends, regulatory changes, and data knowledge to proactively identify new fraud and risk patterns.

Qualifications

• 2+ years of hands-on experience in Risk Management or Financial Operations (e.g., fraud investigation, underwriting, compliance).
• Must have demonstrated expertise in Know Your Customer (KYC) and Know Your Business (KYB) due diligence procedures.
• Strong analytical and critical thinking skills with excellent attention to detail.
• Proven ability to work independently and efficiently manage a queue across multiple, varying workflows, prioritizing tasks to consistently meet aggressive SLAs.
• Strong work ethic with high integrity and ethical standards.
• Excellent collaboration and teamwork skills; ability to work cross-functionally.
• Strong understanding of customer service and customer empathy while enforcing risk policy.
• Proficiency with G-Suite (or Microsoft Office) and strong internet research skills.
• A willingness to rapidly learn and adapt to new technologies and proprietary risk systems.
• A bachelor's degree in finance, risk management, accounting, or a related field is a plus.