Job Description

We’re looking for talented professionals to join us in bringing smart money management and payment solutions to everyone’s fingertips.

JOB DESCRIPTION

This role can work remotely anywhere in the United States.

Position Summary

The Sr. Risk and AI Analyst is a curious, adaptable risk professional who provides second-line oversight across technology risk and operational risk. This role is intentionally fungible — designed to move fluidly across risk domains based on organizational priorities — rather than operating within a single specialty.

In addition to traditional risk responsibilities, this role helps advance Green Dot's AI capabilities by identifying opportunities to leverage emerging technologies, developing AI-enabled workflows, and supporting responsible AI adoption across the risk function. A background in modeling or quantitative analysis is a meaningful plus.

This role is intended for a person who can exercise independent judgment, manage complex assignments, and contribute meaningfully to the AI evolution and overall evolution of enterprise risk management practices.

Key Responsibilities

Risk Oversight & Control Validation

• Provide second-line oversight across technology and operational risk domains, rotating across areas as organizational needs shift.
• Independently assess the design and operating effectiveness of first-line controls and identify opportunities to strengthen risk mitigation strategies.
• Validate that documented controls are functioning as intended by reviewing supporting evidence and assessing gaps.
• Review-and-challenge activities related to risk assessments, control self-assessments (RCSAs), and remediation plans, providing credible challenges to ensure risks are appropriately identified, assessed, and managed.
• Identify control weaknesses and translate findings into clear, actionable recommendations for management.
• Analyze complex risk and control issues, determine root causes, and recommend effective solutions that improve business processes and reduce organizational risk.
• Advise risk team on risk management practices, control design, and emerging technology-related risks.

Data Analysis & Risk Reporting

• Analyze data from multiple sources to identify emerging risks, trends, control gaps, and opportunities for proactive mitigation.
• Develop and enhance risk reporting, dashboards, and key risk indicators that provide meaningful insights and support risk-based decision making by management.
• Strengthen the use of objective evidence and measurable outcomes when assessing risk and the effectiveness of business safeguards.
• Partner with business and technology teams to understand data needs, confirm data quality, and improve access to actionable information.

AI Adoption & Innovation

• Actively use AI tools in day-to-day risk work — including analysis, drafting, summarization, and research
• Design, implement, and continuously improve AI-enabled solutions and automated workflows that increase efficiency, strengthen risk monitoring capabilities, and improve analytical effectiveness.
• Assess emerging AI technologies and associated risks, providing recommendations regarding practical applications, governance considerations, and operational implementation.
• Develop risk AI solutions by implementing risk assessment models, automating data pipelines, and integrating analytics
• Help establish practical, scalable approaches to AI-assisted risk oversight as the function matures.

Required Qualifications

• Bachelor's degree in Engineering, Mathematics, Statistics, Data Analytics, Information Systems, Risk Management, or a related field.
• 3+ years of relevant experience in risk management, financial services operations, auditing, compliance, or a related discipline.
• Experience in banking, fintech, payments, or another regulated financial services environment.
• Demonstrated ability to locate, analyze, and interpret data and translate findings into practical business insights.
• Demonstrated experience evaluating risk and control environments and developing recommendations to address complex business issues.
• Strong problem-solving skills and ability to work independently through ambiguous or complex assignments.
• Experience communicating complex risk, technology, or regulatory concepts to both technical and non-technical audiences.
• Comfortable using AI tools (e.g., large language models, AI-assisted research or writing tools) as part of everyday work.
• Experience building relationships and influencing stakeholders across multiple levels of the organization.
• Ability to independently manage multiple priorities and deliver results in ambiguous environments.

Preferred Qualifications

• Background in modeling or quantitative analysis — strongly preferred.
• Hands-on experience building AI agents, automation workflows, or multi-step prompt chains using tools such as Claude, ChatGPT, or similar platforms
• Familiarity with large language model (LLM) APIs and how to integrate them into workflows
• Working knowledge of SQL, Python, Power BI, Tableau, or similar analytical tools
• Knowledge of risk frameworks such as NIST, or enterprise risk management (ERM) methodologies

Core Capabilities

• Analytical and data-minded
• Adaptable — able to move fluidly across risk domains
• AI-curious and technology-forward
• Sound judgment and practical problem solving
• Clear and concise written and verbal communication
• Ownership and follow-through
• Intellectual curiosity and eagerness to learn
• Collaborative stakeholder management
• Ability to manage competing priorities in a fast-paced environment

POSITION TYPE

Regular

PAY RANGE

The targeted base salary for this position is $101,400 to $152,000 per year. The final compensation will be determined by a number of factors such as qualifications, expertise, and the candidate’s geographical location.

We’re Here to Support You—Accommodations Upon Request

Green Dot is committed to providing an inclusive and accessible hiring experience for all candidates. If you require a reasonable accommodation during any part of the application or interview process, we encourage you to let us know. We will work with you to meet your needs in a way that respects your privacy and ensures equal opportunity. Our goal is to support every applicant in showcasing their talents and potential.

Work Authorization Requirement

At Green Dot Corporation, we value diversity and strive for fair and inclusive hiring practices. However, we are currently unable to offer visa sponsorship. All applicants must be legally authorized to work in the United States at the time of application and throughout the duration of employment, without the need for current or future sponsorship.

Important Notice on Application Accuracy

We value integrity in our hiring process. Please ensure that all information provided in your resume and application is accurate and authentic. Submissions found to be fraudulent or misleading will result in disqualification from consideration, and any offers extended may be rescinded.