Operations and Supplier Testing Analyst

Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals.

• Ensure Operations and key suppliers have a sustainable and effective end-to-end control environment by identifying gaps and weaknesses during testing.
• Support testing activities across Small Business Lending operational areas including originations, underwriting support processes, servicing activities, collections operations, customer support functions, and related operational processes.
• Document and perform complex and high risk process and control testing to provide reasonable assurance that internal and external processes are operationally effective.
• Obtain and analyze test data from multiple sources, following documented test plans, testing procedures, and leveraging job aids as needed.
• Manage assigned testing timelines to ensure all tasks and reporting are completed within established timeframes.
• Apply regulatory and compliance knowledge to evaluate scenarios, assess risk implications, and inform testing conclusions.
• Assist the Testing Manager in the build-out of new test scripts for previously un-tested areas, augment existing test scripts to broaden test scope while ensuring alignment with regulatory requirements, policies, and business processes.
• Make principle-based scoring and risk decisions grounded in policy intent, evidence and data.
• Assist the Testing Manager in partnering with stakeholders to offer feedback on testing results and ensure the completion of any necessary corrective actions.
• Communicate findings, risk implications to cross-functional stakeholders.
• Determine when issues can be resolved independently versus escalated to management and proactively engage cross-functional stakeholders to clarify expectations, resolve issues, and communicate risk implications.
• Support the Testing Manager in monitoring changes to procedures, policies and regulatory requirements to assess their impact on the testing scope and the related test script.
• Collaborate with the Testing Manager to ensure test scripts are comprehensive for identifying and mitigating respective risks effectively.
• Prioritize competing responsibilities based on workload and demands.
• Conduct peer reviews of analyst work to ensure accuracy, consistency, and adherence to testing methodology.
• Provide real-time feedback, reinforcing best practices and elevating testing quality.
• Serve as a subject matter expert on Small Business Lending processes, regulatory frameworks, operational risks, and testing approaches.
• Support a culture of accountability, continuous learning, and improvement within the testing team.
• Train analysts on newly designed or revised tests.
• Serve as a subject matter expert on complex processes, regulatory frameworks, and testing approaches.
• Mentor analysts to build critical thinking, problem solving and communication skills under manager guidance.
• Undertake ad-hoc duties as needed to support the Operations and 1LOD Risk department.

• 5+ years of relevant experience in audit, compliance testing, or other control/ transactional reviews.
• Experience in banking and/or fintech industry with knowledge of Small Business Lending products, operational processes, and regulatory requirements across areas such as originations, underwriting support processes, servicing, collections, customer support operations, and lending products.
• Demonstrate ability to apply testing methodology, regulatory knowledge and risk and control frameworks to evaluate complex scenarios and inform testing conclusions.
• Strategic thinker who can partner with testing manager to build, expand and improve existing testing scripts and processes.
• Strong organizational skills, able to balance multiple critical priorities simultaneously and successfully.
• Maintain strong time management, able to complete multiple concurrent tasks within close deadlines with a high degree of accuracy and detail.
• Strong analytical skills.