Risk Analyst, Customer Oversight

We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam.
The Customer Oversight team at Plaid is a cross-functional team responsible for protecting the Plaid ecosystem by identifying, assessing, and mitigating risk throughout the customer lifecycle. The team plays a critical role in maintaining trust in the platform by ensuring our controls both protect and enable the business. Plaid is the gateway our customers use to build, launch, and scale fintech applications that expand access to financial services. In this role, you’ll be a core operator on the Customer Oversight team, supporting day-to-day risk operations through customer onboarding and ongoing monitoring. You’ll review new and existing customers, conduct risk assessments, and take action in accordance with established policies and procedures.
You’ll partner closely with teams across Go-To-Market, Security Engineering, Legal, and Financial Access to resolve cases efficiently, escalate risks when appropriate, and ensure customers can onboard and operate safely on the platform. This role is well-suited for someone who is detail-oriented, execution-focused, and excited to learn how risk management operates at scale in a fast-growing fintech environment.

Responsibilities

• Being part of a highly collaborative, cross-functional team in a rapidly growing organization
• Conducting compliance reviews and risk assessments of prospective customers as they move through the Sales pipeline
• Helping build, automate, scale, and improve operational workflows and processes
• Performing periodic reviews of client accounts in accordance with onboarding and monitoring policies
• Being a key resource in developing and implementing the internal policies and procedures required of a rapidly-evolving risk management function
• Learning about and applying relevant regulatory requirements to support Plaid’s expansion into new verticals 
• Clearly articulating complex and nuanced compliance requirements to internal and external stakeholders
• Supporting the broader team in operationalizing regulatory and legal requirements
• Having a meaningful impact on the future of financial services

Qualifications

• 2+ years of relevant compliance, risk, or operational experience with a specific focus on financial services.  Fintech experience strongly preferred
• Desire to learn relevant laws and regulatory requirements; experience with KYC/BSA/AML requirements
• A positive, collaborative, and well organized self-starter with strong attention to detail
• Strong familiarity with financial services and high-technology verticals
• Sound judgment and decision-making skills, with the ability to identify risks and escalate issues appropriately
• Being understanding and empathetic to the challenges of early stage companies
• Willingness to roll up your sleeves and take on a variety of tasks, balancing queue-based work with cross-functional collaboration
• Intellectual honesty and humility, including being comfortable asking questions, acknowledging knowledge gaps, and escalating urgent or ambiguous issues when needed

Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid!
Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also co