Top Risk Analyst Jobs in San Francisco Bay Area, CA

Perform KYC and customer due diligence reviews for merchants, including documentation verification, organizational analysis, enhanced due diligence, and AML risk assessment. Maintain current customer information, guide merchants through review requirements, advise internal teams, improve review processes, and provide automation feedback. Collaborate with commercial, compliance, product, Chicago, and global teams to ensure consistent, scalable risk reviews.

Performs KYC, CDD, and EDD reviews for merchant onboarding, including analyzing customer information, verifying documentation, assessing anti-money-laundering and payment risks, and documenting organizational changes. Guides merchants through onboarding, advises internal teams, supports process improvements and workflow automation, and aligns risk assessments with global teams. The role requires strong analytical judgment, communication, integrity, cross-functional collaboration, and a risk-based approach.

Coordinates and builds financial risk management and controls programs for Revenue and Partner Payments. Designs, implements, documents, and tests financial controls; identifies and remediates risks; supports SOX compliance and audits; partners with Finance, IT, product teams, business owners, auditors, and service providers. The role also drives process improvements, automation, control training, and implementation of controls for new products, systems, acquisitions, and organizational changes.

Supports the regulatory compliance and enterprise risk program for fintech lending operations. Responsibilities include post-close quality assurance reviews, vendor assessments, bank-partner questionnaires, licensing and renewal tracking, audit readiness, regulatory monitoring, SOC compliance workstreams, and remediation efforts. The role also maintains compliance documentation, reporting, and trackers while partnering with bank partners, auditors, and senior leadership.

The Fraud Risk Analyst II oversees fintech partners within a Banking-as-a-Service program, conducting fraud monitoring, reviews, trend analysis, escalations, and regulatory compliance activities. The role prepares management reports and recommendations, identifies policy and process gaps, maintains audit-ready GRC records and fraud documentation, advises partners on best practices, and supports AI and automation initiatives. It also requires collaboration across departments, effective communication, data analysis, and knowledge of banking regulations including BSA, OFAC, Regulation E, and UDAAP.

Own portfolio performance, delinquency and loss analysis, credit limits, exposure strategy, underwriting policy evaluation, and credit measurement standards. Partner with engineering to assess model performance, identify gaps, design tests, monitor calibration and drift, and produce recurring credit reporting. Support fair lending testing, adverse action reason quality, and credit documentation while using SQL, Python, and BigQuery for analysis.

Monitors and develops fraud risk strategies, tools, models, processes, and IT controls for commercial debit and credit card accounts. Analyzes application and portfolio data, tracks fraud losses and strategy performance, identifies root causes, and recommends improvements while balancing detection, approval rates, customer experience, and P&L impacts. Partners with vendors and product teams, ensures regulatory compliance, and reports performance trends to stakeholders.

Leads second-line risk oversight reviews focused on interest rate, market, liquidity, capital, and regulatory reporting risks. Develops independent assessments, recommendations, and formal findings based on data, policies, and regulatory expectations. Partners with first-line teams to evaluate controls, supports thematic reviews and policy interpretation, enhances oversight methodologies, and may guide junior analysts. Ensures compliance with internal controls, audit actions, and regulatory standards.

Own credit risk policy optimization, limit-setting, experimentation, forecasting, and portfolio monitoring. Design A/B tests, build performance reporting and dashboards, identify emerging risks, and partner with Machine Learning, Product, Engineering, and Operations to improve risk models and customer outcomes. Monitor deployed model performance and translate analytical findings into actionable policy and product changes.

Reviews and underwrites new merchant applications for KYC, AML, card-brand, processor, and regulatory compliance. Analyzes flagged transactions, merchant histories, and payment-processing statements to assess risk and recommend approvals or limits. Supports fraud detection and risk-management improvements, handles payment-related inquiries and escalations, and collaborates with internal teams and external partners.

Conduct KYC and AML risk operations, including onboarding, fraud risk reviews, sanctions screening, transaction monitoring investigations, SAR writing, and enhanced due diligence. Apply knowledge of AML systems, workflows, typologies, and industry practices while exercising sound judgment on KYC, sanctions, SAR, and process matters. Collaborate independently and with multiple teams, communicating with business partners in China in fluent Mandarin and English.

Analyze applicant and account data to support credit underwriting, fraud detection, portfolio monitoring, delinquency management, and collections strategies. Interpret business financial statements, banking data, and credit reports; build dashboards, behavioral segments, and performance cohorts; and evaluate credit product profitability, customer lifetime value, losses, and risk-adjusted returns. Communicate findings to influence risk management and product strategy.

Investigates complex, high-risk user business cases and makes evidence-based risk decisions in ambiguous situations. The role develops tailored mitigation strategies, collaborates with Risk, Legal, Compliance, Product, and partners, communicates findings to varied audiences, engages directly with users, identifies systemic trends, and improves processes, decision frameworks, documentation, playbooks, and tooling.

Monitor and configure trade risk across FX/CFD accounts, investigate abnormal trading and client abuse, review suspicious accounts, and oversee live positions, margin, leverage, and execution settings. Build Python and SQL monitoring tools, dashboards, and investigation reports. Manage liquidity-bridge relationships, contribute to risk policies and controls, and respond to management and support requests.

Own diligence and underwriting for institutional counterparties, recommend internal credit ratings and risk-based limits, monitor portfolio exposures, analyze asset volatility/liquidity for limit-setting, negotiate industry documentation, and collaborate with cross-functional teams to resolve complex client or product issues.

Reviews fraud appeals, high-risk transactions, pending payments, user behavior, and chargeback or representment cases. Matches payment and identity documentation, evaluates fraud risk across business lines, handles customer escalations, follows and updates SOPs, meets SLA and accuracy targets, and reports fraud trends to strategy teams. The role also supports blacklist releases, whitelisting, transaction approvals, and enforcement of policies across a global user base.

Detect and prevent fraudulent financial activity by monitoring transactions, investigating incidents, recording fraud losses, conducting root-cause analysis, improving controls, tracking emerging threats, supporting fraud-management infrastructure, and providing fraud-awareness training and guidance to business units.

Analyze financial transactions to detect fraud, investigate incidents, record losses, identify root causes, improve controls, monitor emerging threats, maintain fraud intelligence networks, support fraud risk infrastructure, and provide awareness training and guidance to business and support teams.

Analyzes financial transactions to detect and prevent fraud, investigates incidents, records losses, performs root cause analysis, and recommends control improvements. The role monitors emerging fraud threats, maintains industry intelligence networks, supports fraud risk infrastructure, and provides training and guidance to business and support teams on fraud awareness and mitigation.

Reviews fraud appeals, high-risk transactions, pending reviews, chargebacks, and representment cases. Analyzes user behavior, payment details, proof documents, fraud trends, and business-line risk factors to determine appropriate actions. Handles escalations, blacklist releases, whitelisting, and customer responses according to SOPs. Ensures cases meet SLA and accuracy requirements while identifying emerging fraud patterns and supporting compliance across global users.

Analyze financial transactions to detect and prevent fraud, investigate incidents, document losses, identify root causes, improve controls, monitor emerging fraud trends, maintain industry intelligence networks, support fraud-risk infrastructure, and provide fraud-awareness training to business and support teams.

Leads credit risk, pricing, underwriting, portfolio optimization, and policy strategies for Home Equity products. Analyzes credit performance, profitability, forecasting, customer behavior, collateral, and market trends to support risk-adjusted growth and capital decisions. Partners with Product, Finance, Operations, Technology, Compliance, and Credit Policy teams to implement decision rules, business requirements, controls, and process improvements. Develops monitoring tools and executive reporting, supports governance and regulatory activities, and mentors junior analysts.

Reviews and investigates fraud alerts, monitoring reports, and cases across accounts, cards, transactions, devices, and relationships. Identifies fraud patterns, documents findings, takes card actions, escalates suspicious or urgent activity to BSA/AML Operations, and maintains regulatory, quality, production, and SLA standards. Handles fraud-related cardholder calls and records all activity in Actimize and tracking spreadsheets.

Perform customer due diligence and regulatory verification for client onboarding. Review onboarding packages, perform identity and sanctions screening, validate ownership and licenses, complete Payment Network checks, maintain client files, document exceptions, support Senior Compliance Managers, and improve SOPs to ensure compliant onboarding.

Lead credit analytics for the Send Now Pay Later product: build and own valuation and vintage models, manage credit policies, monitor portfolio health and NPL trends, integrate ML scorecards, and evaluate alternative data to optimize approvals and loss performance.