Sr. Risk and AI Analyst

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

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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, A…