Top Risk Management Jobs in San Francisco Bay Area, CA

Oversee and mature Navan’s enterprise risk management function by developing scalable risk frameworks, assessments, appetite standards, governance, mitigation plans, escalation processes, analytics, and executive reporting. Partner cross-functionally with Product, Operations, Finance, Legal, Treasury, Security, and other teams to support safe growth. Advance automation, continuous monitoring, AI-enabled risk practices, and a risk-aware culture while reporting to senior management and governance committees.

Leads risk operations and compliance teams managing alerts, case investigations, representment, collections handoffs, return-rate monitoring, bank-partner responses, controls testing, audit evidence, fraud escalations, quality assurance, service levels, and operational capacity. The role owns procedures, remediation plans, analyst performance, workflow improvements, and compliance with NACHA thresholds and internal risk limits.

Own post-underwriting risk management across live merchant portfolios. Monitor transaction activity, fraud, chargebacks, disputes, refunds, and processing trends; investigate unusual patterns; recommend reserves, holds, limits, monitoring, and remediation; and provide data-driven recommendations to Payments leadership. Improve risk alerts, workflows, dashboards, and automation while collaborating with underwriting, compliance, product, engineering, operations, and client success.

Develop and execute credit risk strategies for consumer loan portfolios, analyzing bureau, cash flow, and behavioral data to improve losses, receivables, and revenue. Build datasets, dashboards, and monitoring infrastructure using SQL and analytical tools; forecast strategy impacts; support regulatory reviews, audits, and board reporting; ensure policy compliance; communicate underwriting changes; and lead independent analyses and projects. May supervise associates.

Manages credit risk due diligence and field examinations for specialty lending, securitization, asset-based lending, and related financial transactions. Supervises and develops staff, reviews engagement deliverables, ensures quality control, manages client relationships and budgets, supports business development, and advises clients on industry trends and solutions. Requires CPA certification, public accounting or related experience, supervisory experience, and travel based on client needs.

Leads the high-risk customer review team conducting enhanced due diligence under BSA/AML requirements. Manages analysts, workload planning, performance metrics, quality control, escalations, process improvements, audit and exam support, and reporting. Partners with business units to assess customer risk, investigate financial crime red flags, and support appropriate referrals. Requires five or more years of BSA/AML compliance experience, high-risk customer EDD expertise, people leadership, and a bachelor’s degree.

Leads AI adoption, risk reporting, dashboards, data governance, capacity planning, OKR tracking, KPI reporting, and strategic roadmap execution. Coordinates risk, compliance, data, and senior leadership stakeholders; prepares governance materials for committees; supports regulatory examinations and audits; and prioritizes cross-functional initiatives based on dependencies, resources, and regulatory priorities.

Build and operate Alpaca’s liquidity risk infrastructure, including daily and intraday liquidity reporting, data pipelines, monitoring, alerting, controls, and stress testing. Develop deterministic and Monte Carlo liquidity models, support SEC and FINRA reporting, assess funding and settlement risks, and provide analysis for Treasury, Risk, regulatory, and management stakeholders. Partner cross-functionally on new products, margin systems, governance, and risk controls.

Lead global B2B credit risk management, controlling customer exposure and approving credit limits, payment terms, plans, and extensions. Manage a team, monitor creditworthiness, analyze financial statements, oversee agencies and AFDA calculations, and partner globally with Sales, Operations, Finance, Accounting, and IT. Drive process improvement, AI automation, stakeholder negotiation, compliance, and financial risk mitigation.

Analyze, develop, test, and optimize credit policies covering underwriting, credit line assignment, loan amounts, and risk-based pricing. Use SQL and Python to translate strategies into business rules, assess portfolio impacts, monitor risk and performance KPIs, identify growth opportunities, and recommend policy changes. Collaborate with Risk, Product, Technology, and Operations teams to implement credit strategies and communicate findings to stakeholders.

Provides independent second-line oversight of marketing compliance across financial services communications. Establishes policies, controls, disclosures, and review procedures; assesses regulatory risk; approves marketing materials; partners with Marketing, Legal, Product, and Risk; supports audits and examinations; and improves automated, AI-assisted content review while maintaining human oversight.

Manage global merchant credit risk by assessing prospective and existing merchants, defining KPIs and monitoring frameworks, building SOPs, creating reporting/dashboarding, partnering with Legal/Compliance/BD, and balancing growth with risk mitigation across payment channels.

Design insurance pricing, reserving, forecasting, and portfolio-risk scenarios for AI model training. Create actuarial analyses and reference answers, evaluate AI outputs for quantitative and methodological accuracy, identify unsupported assumptions and errors, and provide structured feedback. The role requires explaining actuarial methods and business implications to technical and nontechnical audiences while participating in calibration and onboarding sessions.

Manages fraud risk operations, including Level 1 alert monitoring, Level 2 case investigations, escalations, and resolutions. Oversees team performance, quality standards, productivity, and SLAs. Supports BSA/AML processes and suspicious activity escalation, partners with Risk, Compliance, Product, and Operations teams, evaluates emerging fraud risks, and improves detection rules, workflows, documentation, automation, and investigative procedures.

Own and validate margin, pricing, liquidation, and derivatives risk models across traditional and digital asset markets. Responsibilities include backtesting, stress testing, portfolio risk monitoring, automated reporting, data pipeline development, liquidation strategy design, market microstructure analysis, and risk parameter reviews. The role requires collaboration on product onboarding and regulatory or audit documentation while supporting internal risk dashboards and analytical tools.

Manage credit risk strategies for HELOC and secured lending portfolios. Refine underwriting policies, analyze loan performance and credit losses, develop valuation and predictive models, identify customer segments, and design portfolio monitoring frameworks. Partner with Capital Markets, Product, Engineering, Data Science, Fraud, Legal, and Compliance to test and implement risk changes, ensure regulatory adherence, support growth initiatives, and communicate underwriting performance to investors and executives.

Lead and scale a model governance and quantitative risk team responsible for performance and drift monitoring, validation, documentation, remediation, and customer-facing governance. Set strategy for governance automation and standards, manage cross-functional relationships, prepare reports for customers/regulators, and perform hands-on model review and mentoring as needed.

Lead and grow a model governance team to oversee model validation, monitoring, drift and fair-lending assessments, documentation, change management, and customer/regulatory interactions. Own strategy, customer-facing governance relationships, validation reports, remediation tracking, and hands-on mentorship when needed.

Own the payments risk function for Jane's embedded payments platform. Responsibilities include merchant risk policy, underwriting, transaction monitoring, loss and risk reporting, dispute strategy, escalation and offboarding decisions, card network and Stripe compliance, and systems/tooling strategy. The role requires building scalable, AI-forward risk operations while balancing fraud prevention, compliance, financial losses, and customer experience.

Manage daily FCM risk across multi-asset clearing, including intraday and end-of-day metrics, pricing, margin requirements, client risk assessments, and market, credit, and liquidity monitoring. Handle CFTC, NFA, and SEC regulatory requests. Lead product design and listing, develop margin and cross-margining models, oversee liquidation strategies, and conduct quantitative research and scenario analyses.

Lead enterprise-wide compliance and financial-crime risk assessments, evaluate controls and residual risk, produce executive reports, partner with MLROs/CCOs globally, drive transaction monitoring and customer risk scoring coverage, update geographic risk ratings, develop threat assessment frameworks, and pioneer AI-powered automation while maintaining human oversight.

Lead and grow a model risk and governance team, set strategy, and run model validation, performance and drift monitoring, fair-lending assessments, governance documentation, model inventory, and change management. Own customer and regulator-facing governance relationships, prepare validation reports, track remediation, balance strategic roadmap with operational demands, and perform hands-on technical work as needed.

Leads corporate insurance strategy, policy placements, renewals, broker and carrier negotiations, quantitative risk modeling, enterprise risk assessments, claims management, and governance. Partners with Legal, Finance, and Operations to mitigate operational and financial exposures. Develops risk financing strategies, maintains compliance documentation, and applies AI-driven tools to improve claims processing, reporting, and predictive cost modeling.

Manage corporate insurance programs, underwriting submissions, exposure/TIV schedules, contractual risk transfer, and claims support for energy and digital infrastructure projects. Coordinate with internal teams and external brokers/insurers to optimize coverage, validate valuations, support underwriting diligence, and improve company risk management practices across development, construction, and operations.

Leads strategic planning, budgeting, forecasting, and financial analysis for the risk exchange platform. Partners with finance, accounting, actuarial, and distribution teams; analyzes operational and insurance results; prepares management reporting; supports monthly close; and presents insights to senior leadership. Drives Pigment planning-platform adoption and improves FP&A processes through AI, automation, documentation, and digital tools.