Top Risk Analyst Jobs in Seattle, WA

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 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.

Develops pricing and profitability strategies for personal loan portfolios. Responsibilities include building and validating pricing models, forecasting, back-testing, analyzing credit and portfolio performance, monitoring price elasticity, creating automated Tableau and data reporting solutions, and delivering executive recommendations. The role partners with business stakeholders to optimize risk-adjusted profitability, improve pricing infrastructure, and support data modernization initiatives.

Identify and assess financial crime risks, conduct data-driven reviews and monitoring, redesign and scale compliance processes, advise stakeholders, ensure regulatory and partner requirements are met, and recommend process and policy improvements to mitigate emerging risks.

Lead and support oversight of fintech partner audits within the Banking-as-a-Service program. Responsibilities include developing risk assessments, planning and coordinating audits, evaluating scopes and reports, tracking remediation, analyzing risk trends, supporting regulatory compliance, and collaborating with internal subject matter experts, partners, and audit firms. The role also contributes to process improvements, staff training, and recommendations to risk management leadership.

Manages risk across treasury receivables and fraud products, develops risk frameworks, supports audits and regulatory examinations, leads client risk escalations and remediation, and strengthens first-line risk governance through reporting, KPIs, benchmarking, and cross-functional forums. Partners with product, operations, compliance, analytics, and technology teams to identify mitigations, improve processes, and automate workflows while communicating recommendations to risk leaders and stakeholders.

As a Risk Analyst, you will evaluate product safety, analyze data using SQL, improve policies, and enhance user experience.

Analyze credit policy, approval rates, vintage performance, and portfolio metrics to inform credit strategy. Monitor model/scorecard performance, run tradeoff and scenario analyses, support pricing/term decisions, and produce recurring portfolio reporting and dashboards. Collaborate with collections, fraud, finance, and tech on reporting, model validation, and decisioning platform improvements.

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 loss mitigation, predictive collections, and loss forecasting (CECL) for consumer lending. Build data models and contact strategies, align conversational operations, manage credit loss budgets, vendor selection, and present risk insights to executive stakeholders.

Design and own loss mitigation, predictive collections, and CECL loss forecasting. Partner with Operations to implement conversational contact strategies (WhatsApp/SMS), build propensity-to-pay and recovery models, manage credit loss budgeting and capacity planning, and evaluate/onboard third-party collections vendors and software to protect capital and optimize recoveries.

Lead design and execution of loss mitigation, predictive collections, and CECL loss forecasting. Build data models and contact strategies, align conversational operations, manage credit loss budgeting, and evaluate third-party vendors to maximize recoveries and protect the balance sheet.

Lead loss mitigation, forecasting, and collections strategy for consumer lending. Build CECL-based loss forecasts, predictive propensity-to-pay models, automated contact strategies (WhatsApp/omnichannel), manage credit loss budgets, and evaluate third-party recovery vendors while presenting impacts to executive leadership.

Develop and test credit and fraud strategies using data, machine learning, and advanced analytics. Design A/B tests, analyze portfolio performance, identify trends, and partner with Data Science, Product, and Engineering to implement and validate risk decisions. Communicate findings and conduct ad-hoc analyses to optimize marketplace credit outcomes.

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.

Lead credit analytics for the Send Now Pay Later product: build and maintain credit policies, valuation and NPV models, vintage analysis, executive reporting, model integration and testing, and alternative data integration to optimize approval rates and portfolio health.

Lead credit analytics for the Send Now Pay Later product: build and maintain credit policies, valuation and NPV models, vintage analysis, portfolio surveillance, executive reporting, model integration/testing, and alternative data exploration to optimize approval rates and manage portfolio risk.

Lead credit analytics for the Send Now Pay Later product: own portfolio health reporting, NPL trends, valuation and NPV models, vintage analysis, credit policy design, monitoring, model integration and testing, and alternative data exploration to optimize approval rates and loss performance.

Support fintech partner risk management across the Bank's BaaS portfolio: perform due diligence and risk assessments, monitor post-onboarding compliance, test controls, track remediation, liaise with internal teams and partners on financial-crimes and regulatory compliance, and maintain risk remediation roadmaps and reporting.

Supports the bank's Operational Risk Management program by performing risk assessments, identifying control gaps, monitoring internal controls and loss events, maintaining the GRC platform, drafting policies, preparing reports for management, and coordinating with business lines, ERM, IT, Compliance, and Audit.