Senior Fintech Risk Analyst

Lead is a fintech building banking infrastructure for embedded financial products and services. We operate an FDIC-insured bank headquartered in Kansas City, Missouri. Additionally, we have offices in San Francisco, Sunnyvale, and New York City, where our technical, product, design, and legal teams operate. We are built for a constantly evolving financial landscape, where new ventures and technological advancements emerge daily. Guided by a team of entrepreneurs and technologists with decades of experience navigating intricate banking and payments regulations, Lead blends regulatory and technological expertise to help our fintech partners scale their operations with compliance and creativity. Simply put, Lead offers the essential attributes that every fintech seeks in a partner bank. First, unparalleled technical expertise from a distinguished team of developers with an extensive understanding of the banking and payments systems. Second, oversight expertise, automated compliance systems, and bespoke program management to navigate the ever-shifting regulatory landscape. Finally, a commitment to transparency and operational rigor to ensure everyone’s money does what it’s supposed to do. **Role Description** We are seeking a dynamic, strategic, and analytical Senior Fintech Risk Analyst to join our team and work with our Fintech Banking-as-a-Service (BaaS) partners and Payments clients. In this role, you will expertly execute risk programs, while collaborating to optimize the Enterprise Risk Management (ERM) oversight of Lead’s fintech partners. As a Senior Analyst, you will act as a primary risk consultant to cross-functional teams throughout the Bank and senior leadership. You will own the end-to-end execution of complex risk assessments, provide robust credible challenges to internal and external stakeholders, and ensure our fast-growing fintech portfolio scales safely within the Bank's risk appetite. **In this role you will:** - Deliver Advanced Risk Assessments: Execute high-priority quantitative and qualitative risk assessments on complex fintech partner programs, expertly managing tight deadlines and competing analytical priorities. - Execute Fintech ERM Programs: and support the Enterprise Risk Management framework for fintech partners, by actively tracking, analyzing, and monitoring complex risk issues (e.g., third-party risk, model risk management, operational resilience), while providing feedback to continuously improve on our oversight processes. - Provide Robust Credible Challenge: Serve as a subject matter expert to provide rigorous, credible challenge to risk assessments performed by internal business lines, ensuring strict adherence to ERM methodologies, program and regulatory standards. - Analyze 4th-Party Risk Ecosystems: Conduct the risk analysis and due diligence for 4th-party vendors, while building and maintaining the 4th party vendor register ecosystem. - Execute 1LoD Partner Risk Oversight: Serve as the First Line of Defense (1LoD) for fintech partners’ TPRM and ERM programs; review program effectiveness, monitor ongoing compliance, and collaborate with partner teams to track and support necessary remediation when gaps are identified. - KRI Management & Risk Reporting: Track, monitor, and analyze Key Risk Indicators (KRIs within established frameworks). Synthesize complex data into clear, actionable reports and dashboards illustrating risk exposure and portfolio trends for senior leadership and risk committees. - Risk Project Delivery: Successfully manage the execution of multiple high-visibility, in-flight risk initiatives simultaneously, effectively aligning diverse internal and external stakeholders. - Relationship Management: Cultivate deep, collaborative, and consultative relationships with internal business lines and risk counterparts at Lead’s fintech partners, balancing a strong risk culture with a client-enablement mindset. - Perform other duties as assigned. **Qualifications:** - Experience: 4+…