Senior Risk Operations Analyst, Raisin
Open banking for deposits and savings
Open for applications
Open banking for deposits and savings
501-1000 employees
Open for applications
501-1000 employees
Company mission
To break down barriers and facilitate a transparent single market for savings and investment products.
Role
Who you are
- 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
What the job involves
- 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
- 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
Our take
Raisin is transforming open banking in the deposits and investments sector, leveraging its infrastructure to benefit bankers and savers in the global $50+ trillion deposit market. The company operates several B2C platforms, including Raisin, WeltSparen, Savedo, and ZINSPILOT in Europe and the UK, and SaveBetter in the US.
Raisin collaborates with around 400 banks globally, serving over 550,000 direct consumers. Backed by PayPal, Deutsche Bank, and Goldman Sachs, Raisin plans to expand further. Recently, Raisin launched its deposits platform in Poland, connecting Polish savers with European banks via its cross-border savings technology. This platform simplifies access to diverse deposit products across Europe, enhancing safety and convenience.
In late 2023, Raisin announced it had reached €50 billion in assets under administration, with significant growth in markets like Germany, the UK, the Netherlands, and the USA, and over €1 billion in net inflows each quarter in 2023.
Freddie
Company Specialist at Welcome to the Jungle
Insights
12% employee growth in 12 months
Company
Funding (last 2 of 11 rounds)
Mar 2023
$70m
LATE VC
Jan 2022
$35m
CONVERTIBLE
Total funding: $320.9m
Company benefits
- Visa & Relocation Support
- 1,700 EUR Training Budget
- Free Choice of Hardware
- Beginner German Classes
- Food & Drinks
- Flexible working hours, home office and 28 vacation days
- Subsidised Urban Sports Club Membership
- Company Pension Scheme
- Team Events
Company HQ
Wrangelkiez, Berlin, BE
Leadership
Tamas Giorgadse
(CEO)Previously served as a Partner at McKinsey, and is a Non-Executive Board Member of the Bank of Georgia.
Dr Frank Freund
(CFO)Previously worked as a Senior Consultant at McKinsey.
Michael Stephan
(COO)Previously worked as a Consultant at McKinsey.
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