Risk Analyst, European Compliance
Plaid Inc.
5d ago

At Plaid, we're convinced that the way people interact with their finances will drastically improve in the next few years.

We’re dedicated to empowering this transformation by building the tools that thousands of developers use to create their own products.

The Risk Team at Plaid is a cross functional team whose responsibility is to enable the business by mitigating risks and maintaining controls that ensure trust in the platform.

Plaid sits in the middle of this ecosystem, and we're the gateway used by our customers to build, launch, and scale FinTech applications that democratize financial services.

In this role, you’ll be responsible for supporting Plaid’s ecosystem risk management activities from security, regulatory, and reputational perspectives.

You’ll work closely with our GTM, Security Engineering, Legal, Customer Support, and Financial Access teams to ensure trust in the platform and protect the ecosystem.

What excites you :

  • Being part of a highly evolving cross functional team in a rapidly growing organization.
  • Having a significant impact on the future of financial services.
  • Developing and maintaining a risk based compliance monitoring and testing program relevant to the size and complexity of the business.
  • Conducting and managing compliance reviews and risk analyses of prospective UK and EU customers as they come through the Sales pipeline.
  • Performing ad-hoc and periodic reviews of customers, and their transactions.
  • Being a key resource in developing, implementing, maintaining and enhancing the internal policies, procedures and processes required of a rapidly-evolving risk management function.
  • Working with key internal stakeholders to ensure the completion and filing of all mandatory regulatory returns.
  • Assisting Plaid’s MLRO with all matters related to AML, CTF, and ABC compliance.
  • Designing and maintaining the staff training program.
  • Reviewing, advising and assisting the Customer Support team with the handling of complaints; and liaising with the Financial Ombudsman Service as required.
  • Articulating complex and nuanced compliance requirements into understandable concepts.
  • What excites us :

  • 5+ years of relevant compliance, risk, or operational experience with a specific focus on financial services. Fintech experience is strongly preferred.
  • Excellent written and verbal communication skills.
  • Desire to learn relevant laws and regulatory requirements; experience with KYC, AML, CTF, ABC, PSD2, and GDPR requirements are preferred.
  • Good understanding of UK and EU regulatory structure, process, and underlying principles.
  • Ideal candidate is positive, collaborative, organised, and an independent thinker with demonstrated good judgment, problem-solving, and analytical skills.
  • Ability to work well under pressure and empathetic to the challenges of a start-up.
  • Strong familiarity with a range of relevant financial and technical concepts.
  • Willingness to roll up your sleeves; you’ll wear many hats and will have to balance cross-functional projects with different stakeholders in a wide variety of roles.
  • Intellectual honesty and humility; you should be willing to admit when you don’t know something, and should have the discernibility to escalate urgent issues when necessary.
  • We are an equal opportunity employer and value diversity at our company. We encourage all applicants, regardless of race, religion or belief (if any), colour, nationality, ethnic or national origin, gender, gender identity, pregnancy and maternity, sexual orientation, age, marital and civil partnership status, or disability status.

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