Risk Engineering Business Analyst

3 weeks ago

Boca Raton, United States FlexShopper Full time

Five days a week in the Boca Raton Corporate office


A growing innovative FinTech, eCommerce company, that provides brand name durable goods to consumers on a lease-to-own (LTO) basis through its ecommerce marketplace and LTO payment method. It also provides LTO technology platforms to retailers and e-tailers to enter transactions with consumers who want to obtain durable goods, but do not have the available cash or credit.


As a Risk Engineering Business Analyst, you will play a pivotal role in ensuring the stability, security, fraud prevention and success of our financial products and services. You will collaborate closely with cross-functional teams to analyze risk factors, develop underwriting strategies, and implement robust risk management requirements and change requests. This position requires a deep understanding of both risk assessment methodologies and business operations within a fast-paced, fluid environment.


  • Conduct comprehensive risk assessments to identify, evaluate, and mitigate potential risks associated with financial products and services in an RTO or LTO ecosystem.


  • Collaborate with product and development teams to integrate risk management requirements in the design of new products and features enhancements of current products.


  • Test, monitor decision policies, procedures, guidelines to ensure it meets original requirements.


  • Analyze data trends, dynamics, to enhance risk mitigation and Fraud prevention efforts.


  • Generate insightful tickets, and reports to communicate findings, key performance indicators, and actionable recommendations to senior management.


  • Partner with cross-functional teams, including (but not limited to) like product, engineering / development, operations, and compliance, to drive alignment and execution of risk management initiatives.


  • Stay abreast of emerging trends, technologies, and regulatory developments in the fintech and e-commerce sectors to anticipate and proactively address evolving risks.


  • These activities span overall timeline management, leading and coordinating meetings, vendor management, adherence to company SOPs, risk monitoring and mitigation & basic reporting.


  • This role will work cross-functionally with all departments to deliver high quality, value add solutions for our internal and external customers.


  • Proficient at documenting and maintaining Business Process, Process Flow Analysis, Detailed Functional Designs, mapping business requirements to flows, and Project Summaries


  • Manage multiple project / program requirements concurrently, tracking project schedule and quality deliverables in a dynamic environment with peers from other teams.


  • Coordinate with internal and external resources to ensure the timely and quality preparation of project deliverables based on assigned scope-of-services.


  • Be the connection between Risk and Engineering and instrumental in further improving the level of automation and decisioning.


  • Formulate and define clear parameters for our Decision Engine, QA / QC and create processes for continuous improvement.


Qualifications:


  • Bachelor's degree in technical field, business administration, risk management, or a related field; advanced degree or professional certification (e.g., FRM, CFA, CRM) preferred.
  • 3-5 years of experience in risk analyst, underwriting, or related roles within the fintech, e-commerce, e-tailer, or financial services industries.
  • Demonstrated experience in Creating End to end User Journeys & Process flows.
  • Proficiency in project management software tools, Atlassian tool suite (Jira, Confluence), Excell
  • Strong analytical skills, with the ability to translate complex data into actionable insights and recommendations from business to Development.
  • Excellent communication and interpersonal skills, with the ability to effectively collaborate with diverse stakeholders and influence decision-making at all levels of the organization.
  • Demonstrated proficiency in risk engineering, and quantitative analysis.
  • Familiarity with regulatory requirements and industry standards, including but not limited to KYC/AML, AVS, FICO, and PSD2..
  • Strong analytical and problem-solving abilities, with a track record of making sound decisions in high-pressure situations

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