Risk Analyst

Modulus Labs is foreign VC-funded and trusted by the world's largest financial ecosystems, we deliver the foundational systems that secure and process transactions around the globe. Join us and help shape the critical infrastructure that financial institutions depend on to move money and scale commerce. We move fast, build lean, and scale with intention. If you're looking to shape the future of financial infrastructure in emerging markets, Modulus is where your impact will matter.

The Risk Analyst is a strategic role in our global fintech company focused on payments processing, responsible for the comprehensive identification, assessment, and mitigation of operational, financial, cybersecurity, fraud, compliance, reputational, and strategic risks. This position requires a broad, cross-functional understanding of multiple industries and business functions, including technology, compliance, operations, and finance. The Risk Analyst will provide informed recommendations and strategic insights to senior leadership to facilitate sound, risk-aware decisions, safeguarding the company's interests and global operations.

1. Cross-Functional Risk Assessment

• Proactively evaluate risks across multiple business areas including payments operations, technology systems, cybersecurity, fraud, compliance, and strategic initiatives.
• Provide detailed risk analyses and actionable recommendations to senior executives and stakeholders.

2. Strategic and Industry Insights

• Conduct industry-wide risk assessments, analyzing external trends, competitive landscapes, and evolving regulatory environments to inform strategic decision-making.
• Identify risks related to expansion into new markets, partnerships, and emerging technologies.

3. Fraud and Cybersecurity Risk Management

• Oversee comprehensive fraud detection programs and cybersecurity risk assessments in payment processing systems.
• Partner closely with IT, Cybersecurity, and Compliance teams to mitigate technology-related and transactional risks.

4. Risk Reporting and Advisory

• Generate clear and concise risk reports, dashboards, and strategic briefings for senior leadership and departmental stakeholders.
• Act as a strategic advisor, providing senior management with well-rounded perspectives on risks associated with critical business decisions.

5. Incident Response and Management

• Lead investigations into significant risk incidents, ensuring timely and effective resolution, and implement corrective actions to prevent future occurrences.
• Advise crisis response teams on appropriate actions and risk communications.

6. Collaboration with Compliance, Legal, and Business Teams

• Closely collaborate with Compliance, Legal, Sales, Marketing, and Operations teams to ensure comprehensive understanding and management of risks across all organizational activities.
• Support cross-departmental training and promote a company-wide culture of risk awareness.

• Minimum of 5 years of experience in risk management, ideally within fintech, payments, banking, or a highly regulated global financial services environment.
• Proven ability to analyze, synthesize, and communicate complex cross-functional risks to senior executives clearly and concisely.
• Strong familiarity with regulatory frameworks relevant to fintech (AML/KYC, PCI DSS, GDPR, PSD2).
• Proven track record of developing and implementing risk management strategies that have successfully improved an organization's risk profile

• Bachelor's degree in Risk Management, Finance, Economics, Information Security, Business Administration, or related fields.
• Comprehensive understanding of the global payment ecosystem, including transaction processing, payment networks, banking systems, digital payments, and emerging fintech platforms.
• Professional risk-related certifications (e.g., CRM, CFE, CISSP, CAMS).
• Exposure to multiple industries, including fintech, e-commerce, banking, or financial services, with experience managing international or cross-border risks.
• Experience in a fast-paced startup or high-growth technology-driven environment.
• Strong knowledge of risk management principles, methods, and frameworks, as well as a deep understanding of relevant laws, regulations, and industry standards
• Demonstrated experience with fraud detection platforms, cybersecurity risk assessments, and risk analytics tools.
• Proficient in using risk management software and data analysis tools to collect, interpret, and report on risk-related information
• Excellent communication and interpersonal skills, with the ability to effectively present and explain risk-related information to both technical and non-technical stakeholders