The Risk Operations team plays a central role in safeguarding Raisin’s business by monitoring, assessing, and mitigating risks across all operational areas. We are responsible for managing fraud prevention and mitigation, investigations and recoveries, monitoring for financial crime events (AML, KYC) and implementing effective risk controls to support the company’s growth. Our work bridges business, compliance, and technology- analyzing data, processes, and transactions to identify potential threats while also enabling smooth and secure customer experiences.
We collaborate closely with cross- functional teams (Product, Compliance, Customer Service, and Engineering) to design and execute risk and fraud management frameworks, enhance operational efficiency, and maintain a strong culture of accountability.
As Risk Operations Senior Analyst, you will safeguard Raisin’s U.S. platform by ensuring resilience against fraud while managing risk operations at scale. You will be tasked with conducting investigations while working cross-functionally with Customer Service, Payment Operations, Legal, Product and Engineering and Compliance teams.
This role reports to the Risk Operations Senior Manager and covers facets of fraud operations, financial crime, payments risk and risk analytics.
Responsibilities
Investigations & Complaints
Conduct end-to-end (E2E) investigations of risk and fraud events.
Coordinate with Customer Service on escalated complaints and customer-impact cases.
Document findings and ensure timely resolution of issues.
Identify trends from cases to support process and control improvements.
Analytics & Reporting
Develop, maintain, and deliver regular reporting (e.g., Unusual Activity Reports, KPIs).
Build and automate dashboards to monitor risk and fraud metrics.
Support development of risk and fraud frameworks with data-driven insights.
Partner with senior team members to track control effectiveness and emerging risks.
8+ years’ experience in fraud risk management, analytics, Bachelor’s degree in business, finance, economics, statistics, or related field.
1–3 years of experience in risk operations, fraud, compliance, or analytics (fintech, payments, or banking experience a plus).
Strong analytical skills and proficiency in Excel/Google Sheets; experience with SQL, Python, or dashboarding tools (e.g., Tableau, PowerBI, Looker) is an advantage.
Detail-oriented with excellent organizational and investigative skills.
Strong communication skills to collaborate with both internal teams and external partners.
Proactive, adaptable, and eager to learn in a dynamic fintech environment.
At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, who are at the heart of our success.
As part of our US team, you will benefit from:Raisin is the trailblazer in the savings and investment space. Founded in 2012, the fintech company started by opening the $95+ trillion deposits and investments market of the European Union, the United Kingdom and the United States to consumers.
Today, Raisin serves more than one million customers in these three markets, offering savings products as well as investment and pension products. This makes the Berlin-based fintech one of the leading global savings and investments marketplaces. Savers get a wider choice of attractive products with the ability to move their money freely. In addition, financial service providers get best-in-class marketplace solutions for their customers, and banks get better access to retail funding. Raisin operates its own B2C marketplaces in Europe and the U.S. In Germany, the company offers ETF-based investment and retirement products in addition to savings products. Raisin works with over 400 banks and financial service providers from over 30 countries We are backed by renowned international investors such as b2venture, Deutsche Bank, Goldman Sachs, Greycroft, Headline, Index Ventures, Latitude Ventures, Orange Ventures, PayPal Ventures, Top Tier Capital Partners, Ribbit Capital, Vitruvian Partners and M&G. At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities. In total, we have 8 offices across the world: Berlin, Frankfurt, Hamburg, Madrid, Manchester, Munich, New York and Salt Lake City. We also think it’s important to take the time to celebrate our hard work and achievements together, with events like our yearly summer and winter party, as well as a couple of smaller get-togethers. We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, or gender identity....solutions in the public sector. Job Summary and Responsibilities: Acentra Health is looking for a Contract Performance & Compliance Consultant to join our growing team. Job Summary: The purpose of this position is to implement, monitor, and report on activities...
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