Risk Operations Analyst

Risk Operations Analyst

Current is a leading consumer fintech platform transforming financial access for everyday Americans with over five million members. We provide access to financial solutions that seamlessly work together to solve the needs of our members and enable all Americans to build better financial futures. Based in NYC, our results-driven environment drives us to build better products, grow faster and empower everyone on our team to have an impact on our business and mission to improve financial outcomes.

We're looking for a Risk Operations Analyst to join our growing Risk Operations team in New York. You will work closely with Fraud Operations, Compliance, Member Experience, and Product teams to monitor risk queues, investigate anomalies, and ensure timely resolution of fraud and operational risk cases.

You will be responsible for end-to-end execution of daily risk workflows, including ACH, RDC, KYC, Zendesk escalations, Transaction Monitoring, disputes, and other key operational queues.

You're detail-oriented, collaborative, and proactive, with experience in fraud, financial risk, or risk operations. You should be a strong communicator, a supportive teammate, and someone who embraces feedback and continuous learning.

Responsibilities:

• Process daily tasks across multiple Fraud Ops and Risk queues, including ACH, RDC, KYC, Zendesk escalations, Transaction Monitoring, disputes, and more
• Surface irregularities or potential gaps in the risk framework for management
• Communicate clearly and professionally in verbal and written formats
• Collaborate with peers, ask questions to get unstuck, and support others within the function
• Identify and surface opportunities to improve processes and enhance the customer experience
• Prioritize tasks based on impact and team goals
• Complete assigned work within given timelines and adjust quickly to new information or changes in direction
• Participate in a rotational schedule (including weekends, holidays, evenings, and days) with the Risk Operations Manager and Head of Risk Operations to perform loss-reduction tasks during fraud incidents

About You:

• 13 years of experience in retail banking, fraud operations, or risk operations
• Familiarity with fraud detection, risk investigation, or financial operations workflows
• Strong written and verbal communication skills
• High level of accountability, professionalism, and willingness to learn
• Demonstrated ability to collaborate with peers and ask for help when needed
• Comfortable working in a fast-paced environment and adapting quickly to change
• Organized, detail-oriented, and able to prioritize tasks effectively
• Customer-focused mindset with an interest in improving processes and user experience
• Willingness to participate in rotating schedules to support incident response and loss mitigation
• Bonus - Fintech experience

This role has a base salary range of $70,000 - $96,000. Compensation is determined based on experience, skill level, and qualifications, which are assessed during the interview process. Current offers a competitive total rewards package which includes base salary, equity, and comprehensive benefits.

Benefits:

• Competitive salary
• Meaningful equity in the form of stock options
• 401(k) plan
• Discretionary performance bonus program
• Biannual performance reviews
• Medical, Dental and Vision premiums covered at 100% for you and your dependents
• Flexible time off and paid holidays
• Generous parental leave policy
• Commuter benefits
• Fitness benefits
• Healthcare and Dependent care FSA benefit
• Employee Assistance Programs focused on mental health
• Healthcare advocacy program for all employees
• Access to mental health apps
• Team building activities
• Our modern Chelsea-based office with open floor plan, stocked kitchen, and catered lunches