Senior Enterprise Risk Management Analyst

Job description

Lead is a fintech building banking infrastructure for embedded financial products and services. We operate an FDIC-insured bank headquartered in Kansas City, Missouri.  Additionally, we have offices in San Francisco, Sunnyvale, and New York City, where our technical, product, design, and legal teams operate.

We are built for a constantly evolving financial landscape, where new ventures and technological advancements emerge daily. Guided by a team of entrepreneurs and technologists with decades of experience navigating intricate banking and payments regulations, Lead blends regulatory and technological expertise to help our fintech partners scale their operations with compliance and creativity.

Simply put, Lead offers the essential attributes that every fintech seeks in a partner bank. First, unparalleled technical expertise from a distinguished team of developers with an extensive understanding of the banking and payments systems. Second, oversight expertise, automated compliance systems, and bespoke program management to navigate the ever-shifting regulatory landscape. Finally, a commitment to transparency and operational rigor to ensure everyone’s money does what it’s supposed to do.

Role Description: We are seeking a strategic and detail-oriented Senior Enterprise Risk Management Analyst to join our Enterprise Risk team. This individual will play a critical role in advancing the organization’s risk maturity through the support and execution of the Annual Enterprise Risk Assessment, the development, implementation, and ongoing management of Key Risk Indicators (KRIs) and Key Performance Indicators (KPIs), supporting targeted risk assessments, monitoring emerging risks, and leading aspects of issues resulting from enterprise risk assessments.

This role is ideal for a self-starter with 5–10 years of relevant experience in risk management or related fields, and a passion for building data-driven, forward-looking risk practices that align with organizational strategy.

In this role you will:

• Risk Measurement

• Assist business leaders with developing or enhancing risk appetite statements that are able to evolve and be measured quantitatively

• Design, implement, and manage a comprehensive suite of KRIs and associated KPIs across business units and risk categories.

• Collaborate with business owners and risk partners to align indicators with risk appetite, business objectives, and regulatory expectations.

• Develop and maintain dashboards and reporting tools to provide timely insights to senior management and the Board.

• Enterprise Risk & Controls

• Support and drive control library and risk inventory management. Acts as an expert in how to identify and document risks and create and maintain controls and control attributes.

• Lead or support the facilitation of enterprise-wide and targeted risk assessments, including risk identification, evaluation, and prioritization.

• Analyze qualitative and quantitative data to inform the organization’s risk profile.

• Assist in the development of risk mitigation strategies and action plans with business units.

• Emerging Risk Monitoring

• Conduct horizon scanning to identify, evaluate, and track emerging risks and macro-level trends (e.g., regulatory, technological).

• Prepare and present emerging risk reports and insights for leadership consideration and potential scenario analysis.

• Issue and Action Management

• Coordinate and track issues resulting from Enterprise Risk Assessment and related action plans through resolution, ensuring timely remediation and escalation where appropriate.

• Collaborate with risk and business owners to validate issue status, risk exposure, and supporting documentation.

• Provide oversight reporting on open issues for senior management and risk committees as appropriate.

• Governance & Reporting

• Contribute to the preparation of materials for risk committees, executive leadership, and Board reporting.

• Ensure risk management documentation is accurate, current, and aligned with policy and framework requirements.

• Support policy and framework updates as needed. This will include policy and procedure creation and update as well as collaboration with other departments on ERM and other policies and procedures.

• Collaboration & Advisory

• Serve as a key liaison and trusted advisor between the ERM function and stakeholders across the enterprise—including Legal, Compliance, Internal Audit, Technology, Operations, and Business Line teams—to promote understanding, ownership, transparency, alignment, and shared accountability for risk.

• Communicate risk insights, initiatives, and expectations in a clear, accessible way to both technical and non-technical audiences.

• Promote a risk-aware culture by helping educate stakeholders on risk frameworks, tools, and processes.

• Provide support to the Third Party Risk Management & Procurement programs as needed

• Perform all other duties as assigned

Required Qualifications

• Bachelor’s degree in Business, Finance, Risk Management, Economics, or a related field.
• 5+ years of experience in enterprise risk management, internal audit, compliance, or a related discipline.
• Proven experience creating and managing KRIs/KPIs and conducting enterprise risk assessments.
• Experience managing issue remediation processes, particularly in support of enterprise risk and control remediation efforts.
• Strong analytical, quantitative, and critical thinking skills.
• Excellent communication skills, both written and verbal, with experience in preparing executive-level reporting.
• Proficiency in risk management software and data visualization tools (e.g., GRC and other risk tools).

Preferred Qualifications:

• Professional certifications such as CRM, FRM, CERA, or related designations.
• Experience working in highly regulated industries.
• Familiarity with emerging risk areas (e.g.  Banking-as-a-Service, cybersecurity, AI and/or stablecoins).

What we offer:

• At Lead, we design our benefits to support company culture and principles, to foster an efficient and inspiring work environment, and to create the conditions for our team to give their best in both work and life
• Competitive compensation, based on experience, geographic location, and role
• Medical, Dental, Vision, Life, 401k Matching, and other wellness benefits, including FSA, HSA and HRA
• Paid parental leave
• Flexible vacation policy, including PTO and paid holidays
• A fun and challenging team environment in a dynamic industry with ample opportunities for career growth

*Lead Bank is proud to have an inclusive culture committed to ensuring equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

*Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

*Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

*Pursuant to the Los Angeles County Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

**Our compensation reflects the cost of labor across several US geographic markets. Pay is based on a number of factors and may vary depending on geographical market location, job-related knowledge, skills, and experience. These ranges may be modified in the future.

Zone 1: $115,000 - $137,500 (SF/Bay Area, NYC, Seattle, LA)

Zone 2: $97,500 - $118,500 (Austin, Boston, Chicago, Denver, San Diego, DC)

Zone 3: $80,000 - $100,000 (Other US Metros)

#LI-AG1