Credit Operations Analyst, Risk Operations

Betsson

The function of the Risk Shift Leader is to handle risk queries raised by any internal or external parties. The aim is to provide an experienced and hands on approach to Risk analyst escalations and functions whilst also offering an outstanding customer service experience by putting the customer first in every action and facilitate internal communications to relevant parties. KEY RESPONSIBILITIES: * Ensuring that internal procedures are up to date in accordance with any changes. * Ensure that the Bonus Abuse T&C’s are adequate in relation to the current bonuses available to enable Bonus Abuse to be stopped when detected and mitigate forms of Bonus Abuse from manifesting. * Detect and escalate fraud rings and patterns, involving but not limited to Credit card fraud, Chargebacks, Bank Fraud, Money Laundering, Identity theft, Affiliate Fraud and anything else that may cause harm to the business or operations in general and come up with solutions to stop it from happening again or catch it at an earlier stage. * Suggest and specify new reports to align Risk reports together with Bonus Abuse and Affiliate Fraud. * Provide training and inductions to all new starters within the team as well as training required for all new processes and procedures * Assist the management in providing adequate KPIs periodically. * Assist the management with other tasks as required from time to time REQUIREMENTS * Two years in risk/AML/bonus abuse team within Betsson or other igaming company * Leadership skills * Excellent written and communication skills What we offer We offer an exciting and rewarding role in a supportive and fast-paced environment. At Betsson, you’ll have the opportunity to grow and develop your career within the company. Join us and become part of a team that values innovation, collaboration, and personal development.

Sofi

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The Role As a Staff Credit Policy Analyst for Home Loans will lead the design, governance, and continuous evolution of SoFi’s credit policy framework across Conforming, Government (FHA/VA/USDA), Closed-End Seconds (CES), and Portfolio products. This leader will own the strategic direction and operational oversight of credit policy development, ensuring all underwriting criteria are risk-aligned, investor-compliant, and digitally executable. You will serve as a key partner to Risk, Capital Markets, Product, and Operations—driving clarity, consistency, and scalability across all credit decisioning processes. In this role, you will provide strategic oversight of policy research, system automation, and audit readiness while fostering innovation in digital underwriting and credit enablement.What You’ll Do Credit Policy Leadership & Strategy * Lead the end-to-end lifecycle of SoFi’s home lending credit policies, ensuring they align with enterprise risk appetite, investor standards, and business objectives. * Define and manage the credit policy governance framework, including approval processes, documentation standards, and version control practices. * Partner with senior leadership to identify emerging credit risk trends and recommend proactive policy adjustments. * Oversee the roadmap for credit automation and decisioning logic to enable efficient, consistent underwriting outcomes. Cross-Functional Collaboration & Influence * Serve as the primary liaison between Credit Risk, Capital Markets, Product, and Operations to align on policy design, implementation, and investor acceptance. * Represent Credit Policy in governance committees, product development discussions, and cross-functional steering groups. * Provide executive-level insights on credit trends, investor changes, and policy performance metrics. Operational Excellence & System Enablement * Direct the translation of credit policy into executable business rules within systems such as Encompass LOS and credit decisioning engines. * Oversee UAT, policy-driven releases, and control validation to ensure digital accuracy and audit compliance. * Ensure policy language and logic are harmonized across internal guides, overlays, and automated systems. Governance, Risk & Compliance * Establish and maintain strong governance around policy management, including audit trails, documentation, and version tracking. * Oversee investor guideline vetting, agency updates, and compliance acceptability reviews. * Partner with Internal Audit and Enterprise Risk to ensure controls are effective and deficiencies are remediated promptly. * Lead responses to external reviews, investor inquiries, and audit examinations related to credit policy. Team Development & Mentorship * Provide mentorship and direction to policy analysts and cross-functional partners supporting policy execution. * Foster a culture of curiosity, accountability, and precision within the credit policy function. * Build scalable processes and tools to improve policy delivery speed and accuracy. What You’ll Need * Bachelor’s degree or equivalent experience * 8+ years of residential mortgage experience, including deep expertise in underwriting, credit policy, or credit risk management * Proven experience leading or influencing credit policy frameworks across multiple mortgage product lines (Conventional, FHA, VA, USDA, Home Equity, Non-Agency, Non-QM) * Demonstrated success in translating complex investor requirements into automated decision logic and operational guidelines * Strong understanding of credit risk management principles, income and asset analysis, and regulatory compliance * Experience working with Encompass LOS and credit decisioning systems * Excellent communication and presentation skills with the ability to engage senior stakeholders and external investors * Exceptional organizational, documentation, and leadership abilities Preferred Qualifications * Experience leading policy modernization or digital transformation initiatives in mortgage credit * Familiarity with model governance, risk control frameworks, and policy automation technologies * Strong analytical and data fluency using Excel, Tableau, or similar tools * Demonstrated ability to influence executive decision-making through data-driven recommendations Compensation and Benefits The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.    To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page! SOFI PROVIDES EQUAL EMPLOYMENT OPPORTUNITIES (EEO) TO ALL EMPLOYEES AND APPLICANTS FOR EMPLOYMENT WITHOUT REGARD TO RACE, COLOR, RELIGION (INCLUDING RELIGIOUS DRESS AND GROOMING PRACTICES), SEX (INCLUDING PREGNANCY, CHILDBIRTH AND RELATED MEDICAL CONDITIONS, BREASTFEEDING, AND CONDITIONS RELATED TO BREASTFEEDING), GENDER, GENDER IDENTITY, GENDER EXPRESSION, NATIONAL ORIGIN, ANCESTRY, AGE (40 OR OVER), PHYSICAL OR MEDICAL DISABILITY, MEDICAL CONDITION, MARITAL STATUS, REGISTERED DOMESTIC PARTNER STATUS, SEXUAL ORIENTATION, GENETIC INFORMATION, MILITARY AND/OR VETERAN STATUS, OR ANY OTHER BASIS PROHIBITED BY APPLICABLE STATE OR FEDERAL LAW. THE COMPANY HIRES THE BEST QUALIFIED CANDIDATE FOR THE JOB, WITHOUT REGARD TO PROTECTED CHARACTERISTICS. PURSUANT TO THE SAN FRANCISCO FAIR CHANCE ORDINANCE, WE WILL CONSIDER FOR EMPLOYMENT QUALIFIED APPLICANTS WITH ARREST AND CONVICTION RECORDS. NEW YORK APPLICANTS: NOTICE OF EMPLOYEE RIGHTS SOFI IS COMMITTED TO AN INCLUSIVE CULTURE. AS PART OF THIS COMMITMENT, SOFI OFFERS REASONABLE ACCOMMODATIONS TO CANDIDATES WITH PHYSICAL OR MENTAL DISABILITIES. IF YOU NEED ACCOMMODATIONS TO PARTICIPATE IN THE JOB APPLICATION OR INTERVIEW PROCESS, PLEASE LET YOUR RECRUITER KNOW OR EMAIL ACCOMMODATIONS@SOFI.COM. DUE TO INSURANCE COVERAGE ISSUES, WE ARE UNABLE TO ACCOMMODATE REMOTE WORK FROM HAWAII OR ALASKA AT THIS TIME. Internal Employees If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.

Robinhood

JOIN US IN BUILDING THE FUTURE OF FINANCE. Our mission is to democratize finance for all. An estimated $124 trillion of assets will be inherited by younger generations in the next two decades. The largest transfer of wealth in human history. If you’re ready to be at the epicenter of this historic cultural and financial shift, keep reading. ABOUT THE TEAM + ROLE We are building an elite team, applying frontier technologies to the world’s biggest financial problems. We’re looking for bold thinkers. Sharp problem-solvers. Builders who are wired to make an impact. Robinhood isn’t a place for complacency, it’s where ambitious people do the best work of their careers. We’re a high-performing, fast-moving team with ethics at the center of everything we do. Expectations are high, and so are the rewards.  The compliance team supporting Robinhood’s credit card products and money transmitter (for Robinhood Credit, Inc., and Robinhood Money, LLC) is dedicated to ensuring robust regulatory compliance across all financial offerings. Our team's mission is to establish and maintain a strong compliance management system that supports compliant product growth and operational excellence. We partner closely with Product, Operations, Legal, and Risk to integrate regulatory requirements seamlessly into our financial platforms! Our team thrives on collaboration, proactive risk management, and a commitment to protecting our customers while supporting business goals. As Lead Compliance Analyst, you will play a critical role in ensuring that Robinhood embeds regulatory compliance for its current products, including the debit card, spending account, and credit cards, as well as future products. You will participate in multiple compliance functions to support the administration of our compliance management system. In this role, you will analyze regulatory changes, review marketing and customer disclosures, and provide clear compliance guidance to product teams. You will also collaborate with bank sponsors and partner teams to manage regulatory requests and audits! Your efforts will directly safeguard our platform and enhance our customer experience. This role is based in our Menlo Park, CA; New York City, NY; Washington DC office(s), with in-person attendance expected at least 3 days per week. At Robinhood, we believe in the power of in-person work to accelerate progress, spark innovation, and strengthen community. Our office experience is intentional, energizing, and designed to fully support high-performing teams.  WHAT YOU’LL DO * Provide compliance guidance on new products, features, and process changes to ensure adherence to applicable banking and consumer lending regulations. * Review marketing materials, customer communications, and disclosures for regulatory compliance. * Review and coordinate responses to regulatory agency and escalated customer complaints. * Perform quality assurance reviews of Reg Z (credit card) and Reg E (deposit) disputes to ensure regulatory compliance and operational consistency. * Coordinate due diligence requests and ongoing compliance activities with sponsor banks and other third-party partners. * Assist in the development, maintenance, and implementation of compliance policies, procedures, and training materials. * Support internal audits, sponsor bank reviews, and regulatory examinations, including issue tracking, remediation, and response preparation. * Partner with Product, Operations, Legal, Risk, Marketing, and Engineering teams to build compliant customer experiences. WHAT YOU'LL BRING * Bachelor's degree in Business, Finance, Accounting, Economics, or a related field (or equivalent experience). * 5–7 years of compliance experience supporting consumer banking, credit cards, consumer lending, or other regulated financial products. * Strong working knowledge of consumer financial regulations, including Regulation Z, Regulation E, UDAAP, FCRA, ECOA/Reg B, and related banking regulations. * Experience reviewing marketing materials, customer communications, and product launches from a regulatory compliance perspective. * Experience supporting complaint management, audits, and regulatory examinations. * Excellent written and verbal communication skills with the ability to influence partner teams (Product, Legal, Operations, and Risk). * Strong analytical, organizational, and problem-solving skills with the ability to manage multiple priorities and meet key regulatory deadlines. * Proven ability to assess and manage compliance risks for novel or undefined financial features, translating evolving regulatory guidance into clear, actionable requirements for product teams. * Self-motivated and collaborative, with a drive to build compliant, customer-focused financial products. * Ability to view Compliance as a strategic business partner that supports new product development while effectively managing regulatory risk. WHAT WE OFFER * Challenging, high-impact work to grow your career. * Performance-driven compensation with multipliers for outsized impact, bonus programs, equity ownership, and 401(k) matching. * Best-in-class benefits to fuel your work, including 100% paid health insurance for employees with 90% coverage for dependents. * Lifestyle wallet — a highly flexible benefits spending account for wellness, learning, and more. * Employer-paid life & disability insurance, fertility benefits, and mental health benefits. * Time off to recharge including company holidays, paid time off, sick time, parental leave, and more! * Exceptional office experience with catered meals, events, and comfortable workspaces. In addition to the base pay range listed below, this role is also eligible for bonus opportunities + equity + benefits. Base pay for the successful applicant will depend on a variety of job-related factors, which may include education, training, experience, location, business needs, or market demands. The expected base pay range for this role is based on the location where the work will be performed and is aligned to one of 3 compensation zones. For other locations not listed, compensation can be discussed with your recruiter during the interview process. Base Pay Range: Zone 1 (Menlo Park, CA; New York, NY; Bellevue, WA; Washington, DC) $115,000—$135,000 USD Zone 2 (Denver, CO; Westlake, TX; Chicago, IL) $101,000—$119,000 USD Zone 3 (Lake Mary, FL; Clearwater, FL; Gainesville, FL) $89,000—$105,000 USD Click here to learn more about our Total Rewards, which vary by region and entity. If our mission energizes you and you’re ready to build the future of finance, we look forward to seeing your application. Robinhood provides equal opportunity for all applicants, offers reasonable accommodations upon request, and complies with applicable equal employment and privacy laws. Inclusion is built into how we hire and work—welcoming different backgrounds, perspectives, and experiences so everyone can do their best. Please review the Privacy Policy for your country of application.