Senior Risk Associate

🕒 September 14

🇺🇸 United States – Remote

💵 $86k - $144k / year

⏰ Full Time

🟠 Senior

🎲 Risk

👻 Ghost score 2%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Lithic

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 2018

💸 Finance

💳 Fintech

🔌 API

Finance • Fintech • API

Lithic is a comprehensive platform that powers card payments and money movement for businesses worldwide. They provide direct network integrations with Visa and Mastercard, enabling companies to issue both prepaid and credit virtual cards, as well as physical cards, and manage these through a flexible API. Lithic offers a range of services including card processing, risk management, digital banking, and revenue management. Their platform supports seamless API integration for developers, facilitating fast and efficient card issuance, transaction monitoring, and fraud detection. Lithic also offers robust dispute management and settlement solutions, ensuring efficient financial operations for clients.

📋 Description

• Execute client risk assessments end to end, including document collection, interviews, weighted risk typology scoring, written assessments, tier determination, and pre-launch conditions • Own program underwriting, including criteria, spend, transfer, and reserve limit recommendations, and periodic reassessment • Run third-party risk operations, including vendor intake and tiering, due diligence and certification report review, control effectiveness ratings, vendor risk registers, annual reviews, and issue and incident tracking • Support the enterprise risk assessment and risk register by maintaining assessment inventories and calendars, testing control evidence, applying rating methodologies, and preparing Enterprise Risk Committee materials • Improve rubrics, weights, questionnaires, templates, and SOPs • Test, deploy, and tune agentic tooling across assessment workflows and document repeatable, defensible outputs • Define and report KPIs and KRIs and surface concentration, trend, and thematic findings to leadership and oversight forums • Serve as evidence owner for partner bank, audit, and examiner requests • Mentor and cross-train teammates on assessment methodology, scoring discipline, and tooling

🎯 Requirements

• Hands-on experience conducting risk assessments in fintech, payments, or banking, across client or counterparty, third party or vendor, and enterprise or operational risk • Working knowledge of underwriting fundamentals: financial statement review, liquidity and runway analysis, loss and exposure monitoring, and limit setting • Fluency with rubric-based scoring methodologies and the discipline to apply them consistently and defend a rating • Track record of owning discrete risk programs end to end with limited guidance, including authoring SOPs and defining governing metrics • Ability to read ISO 27001, SOC 2 Type II, and PCI DSS AOC reports and translate findings into a residual risk position and remediation ask • Comfort working with AI-assisted or agentic tooling, including testing, tuning, documenting, and defending AI-assisted decisions to bank partners and regulators • Ability to create structure where none exists and know when to escalate and collaborate • Clear, concise writing under a compliance standard for assessments, memos, and committee materials

🏖️ Benefits

• Unlimited PTO • 12-weeks fully paid parental leave • 4-Week Fully Paid Sabbatical (earned at your 5-year anniversary) • Work From Anywhere: work from anywhere in the world 4-weeks each year • 3% cashback on card purchases with your complimentary Privacy.com employee account • Health, vision, and dental insurance; HSA Contribution Match • 401(k) match • Voluntary Life Insurance and STD/LTD • Commuter benefit for in-office employees • Catered lunch every Tuesday and Thursday for in-office employees