Risk & Control Analyst

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Sr. Risk & Control Analyst based in United States.

This role supports a critical risk and controls program within a fast-moving Banking-as-a-Service and fintech environment. You will help oversee partner audits, assess risks, coordinate audit activities, and monitor remediation across a diverse partner ecosystem.

• Support the development and continuous improvement of risk and controls processes supporting a Banking-as-a-Service partner oversight program.
• Create and maintain partner audit risk assessments, focusing on key risks associated with partners and the services they provide.
• Facilitate partner audits with external audit firms, fintech partners, and internal audit teams as needed.
• Coordinate audit schedules and engagements to help ensure timely planning, execution, and completion.
• Collaborate with internal subject matter experts to ensure partner audits appropriately address key program and operational risks.
• Assist in evaluating and updating audit scopes covering areas such as Bank Secrecy Act requirements, general compliance, IT general controls, information security, deposit and lending compliance, and operational risks.
• Review partner engagement letters and audit reports to confirm that required scopes were addressed and adequately tested.
• Evaluate audit findings and remediation plans to determine whether significant risks are being addressed appropriately and within expected timelines.
• Analyze audit and risk trends across the partner portfolio to identify control improvements and opportunities to strengthen the broader program.
• Coordinate oversight audits and maintain tracking of findings, corrective actions, and remediation activities through completion.
• Support training and knowledge-sharing initiatives to strengthen the team's risk, audit, and controls capabilities.
• Maintain current knowledge of applicable banking regulations and compliance requirements, including BSA, USA PATRIOT Act, OFAC, Regulation E, Truth in Savings, UDAAP, Truth in Lending, and ECOA.
• Ensure assigned activities remain aligned with applicable regulatory, compliance, and internal control requirements.
• Provide recommendations to risk and controls leadership regarding audit scope, emerging risks, findings, remediation, and program improvements.

• Bachelor's degree or equivalent relevant professional experience, with 5+ years of experience in bank internal audit, IT risk and controls, or a related field.
• Strong understanding of fintech and Banking-as-a-Service environments, supported by a solid technical background.
• Knowledge of regulatory compliance principles and familiarity with FFIEC requirements is highly desirable.
• Strong analytical capabilities, with the ability to review audit programs, workpapers, reports, findings, and remediation plans and assess their adequacy.
• Ability to identify and articulate risks and issues concisely, clearly explain their potential impact, and communicate recommendations effectively.
• Strong understanding of banking regulations, including BSA, USA PATRIOT Act, OFAC, Regulation E, UDAAP, Truth in Lending, ECOA, and related requirements.
• Excellent written and verbal communication skills, with the confidence to present information and respond to questions from management, employees, internal teams, and external partners.
• Strong organizational and project management skills, with the ability to prioritize multiple assignments, manage deadlines, and work independently with limited supervision.
• Exceptional attention to detail and accuracy when reviewing audit documentation and risk information.
• Professional, cooperative, and collaborative approach to working with cross-functional teams and external stakeholders.
• Sound judgment and problem-solving ability, particularly when evaluating risks, audit coverage, and remediation activities.

• Salary budgeted at approximately $82,678–$90,000, with the broader posted range of $82,678–$96,457.
• Fully remote work environment.
• Full-time employment with bonus eligibility.
• Three medical plan options, including eligible plans with HSA availability and employer contributions.
• Flexible Spending Accounts for healthcare and dependent care expenses.
• Dental and vision insurance.
• Company-paid basic life insurance, with additional coverage options for employees and dependents.
• Short-term and long-term disability coverage.
• Supplemental benefits, including hospital indemnity, accident insurance, and critical illness coverage.
• 401(k) retirement plan with company matching.
• Generous paid vacation and sick leave.
• 11 paid holidays annually.
• A collaborative environment focused on professional development, continuous improvement, and meaningful risk management work.