Risk Management Specialist, Risk Operations

Risk Management Specialist

This is a hybrid role requiring 3 days in the office per week. The ability to work Saturdays and some holidays is required.

Intuit's Global Business Solutions Group (GBSG) is dedicated to delivering tools and services that significantly enhance a Small Business' ability to manage their cash flow. The Fintech Risk Operations team protects our small business customers and Intuit from financial losses, fraud, and compliance risk.

We're seeking a highly motivated and detail-oriented Risk Management Specialist. You will be a crucial member of a team that investigates and adjudicates risk across multiple workflowsincluding, but not limited to, Identity Verification (IDV), Initial Underwriting (IUW), Transactional Fraud Monitoring, and Chargeback processing.

This role requires direct customer interaction via phone and email to gather documentation, complete account research, and resolve complex issues. As an integral part of the team, you will receive cross-training and assignments across various workflows to rapidly expand your skills and competencies based on evolving business needs.

The ideal candidate must have strong problem-solving and decision-making abilities and be able to identify, research, and analyze complex issues across different risk domains. You must have exceptional time management skills and the ability to work under tight deadlines while prioritizing tasks to meet service level agreements (SLAs).

Responsibilities

• Serve as a multi-workflow risk expert, executing analysis and making final decisions across distinct Risk Operations domains (e.g., IDV, IUW, Fraud, Chargebacks).
• Conduct thorough Know Your Customer (KYC) and Know Your Business (KYB) due diligence procedures to verify the identity and legitimacy of customers and businesses.
• Analyze customer information, financial patterns, and transaction data to identify and investigate potential fraud, financial, and compliance risks.
• Understand and operate within standard operating procedures (SOPs) and established guidelines across all workflows to effectively mitigate risk and ensure regulatory compliance.
• Make informed approval, decline, or restrictive decisions while balancing customer empathy with risk policies.
• Serve as a key customer-facing representative to review account risks, provide top-notch service, and effectively de-escalate sensitive or difficult customer situations.
• Document all findings and maintain meticulous records of transactions, investigations, and final risk decisions for audit and compliance purposes.
• Collaborate effectively with cross-functional teams (e.g., Engineering, Product, Customer Service) to resolve complex customer-related issues.
• Identify areas for improvement and propose changes to optimize processes, enhance risk controls, and improve the efficiency of our operational technology.
• Stay up-to-date with industry trends, regulatory changes, and data knowledge to proactively identify new fraud and risk patterns.

Qualifications

• 2+ years of hands-on experience in Risk Management or Financial Operations (e.g., fraud investigation, underwriting, compliance).
• Must have demonstrated expertise in Know Your Customer (KYC) and Know Your Business (KYB) due diligence procedures.
• Strong analytical and critical thinking skills with excellent attention to detail.
• Proven ability to work independently and efficiently manage a queue across multiple, varying workflows, prioritizing tasks to consistently meet aggressive SLAs.
• Strong work ethic with high integrity and ethical standards.
• Excellent collaboration and teamwork skills; ability to work cross-functionally.
• Strong understanding of customer service and customer empathy while enforcing risk policy.
• Proficiency with G-Suite (or Microsoft Office) and strong internet research skills. A willingness to rapidly learn and adapt to new technologies and proprietary risk systems.
• A bachelor's degree in finance, risk management, accounting, or a related field is a plus.