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Senior Transaction Risk Operations Analyst

About Bluevine

Bluevine is the largest small business banking platform in the U.S., redefining how entrepreneurs manage their money. We create modern financial solutions, from checking and lending to payments and beyond, designed to help small business owners grow, thrive, and take control of their financial future. Our best-in-class technology, advanced security, and deep understanding of the small business community give our customers the confidence to focus on what they do best.

Since 2013, we've supported more than 750,000 small businesses nationwide. Backed by leading investors like Lightspeed Venture Partners, Menlo Ventures, 83North, and Citi Ventures, our 500+ person global team shares one mission: to give small businesses the financial tools they need to succeed.

We're innovators driven by big ideas, collaboration, and real impact. Here, you'll have the freedom to take ownership, grow your career, and make a difference for small business owners across America. Ready to shape what's next?

About the Role:

As a Sr.Transaction Risk Operations Analyst at Bluevine, you will be scaling our transaction monitoring operations and ensuring that our company is prepared to successfully navigate the unexpected.

What You'll Do:

Investigate, review, and analyze system generated transaction monitoring alerts across all transaction types (wire, ACH, check, etc)
Identify fraud trends by analyzing data and system generated alerts for any anomalies, outliers, etc
Manage and document cases of suspicious activities, ensuring all relevant details and findings are accurately recorded and maintained
Ensure compliance with all relevant laws, regulations, and internal policies. Stay updated on changes in regulations (i.e. NACHA rules) and industry best practices
Limit Risk exposure by assisting with transaction monitoring controls ideas and strategies
Participate in risk assessments and contribute to the development of risk mitigation strategies
Identify suspicious activity and work with appropriate teams to investigate and thwart the activity
Investigate and reply to external fraud requests and inquiries received from financial partners
Maintain SLAs and deadlines to meet team and company goals
Cross-functional collaboration with Product, Account Risk, and Customer Service to ensure the customer experience is being optimized while also mitigating risk

What We Look For:

Bachelor's degree in Business, Finance, Economics, or related fields
4+ year of experience analyzing fraud trends in a financial institution or fintech is preferred
Previous transaction monitoring experience around credit, debit, checks, online, wire, and/or ACH is preferred
Detail-oriented and puts a high value on accuracy
Ability to effectively gather and analyze information in the course of investigations and reviews
A team player who is able to work on a variety of projects simultaneously
Proficiently uses Excel to create spreadsheets, models, and reports
Able to clearly and effectively communicate verbally and in writing
Motivated to work on a cross-functional team in an entrepreneurial environment
Applicants must be currently authorized to work in the United States on a full-time basis

New Hire Base Salary Range: $52,900 - $63,500.

Benefits & Perks (US Based ONLY)

Excellent health coverage and life insurance benefits
401K with an immediate 3% company match
PTO, Company Holidays, and Flexible Holidays
Company-sponsored Mental Health Benefits, including 1:1 therapy
Over $1,000 each year to spend on your personal wellness
Monthly WFH stipends totaling over $1,000 annually
Generous, paid parental leave covering up to 20 weeks of leave for birthing parents and up to 12 weeks of leave for all other parents
Access to financial coaches and education sessions
Weekly catered lunches and fully stocked kitchen pantries
Community-based volunteering opportunities

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