Principal Risk Analyst

Posted Yesterday
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New York, NY, USA
Hybrid
Senior level
Blockchain • Fintech • Payments • Cryptocurrency • Web3
The Role
The Principal Risk Analyst will identify, assess, monitor, and mitigate counterparty, market, liquidity, operational, technology, information security, and blockchain risks within a crypto payments business. Responsibilities include reviewing payment flows and products, assessing third parties and crypto protocols, developing risk frameworks, defining risk appetite and KRIs, supporting treasury and resilience activities, and preparing reporting for leadership, auditors, and partners.
Summary Generated by Built In
About MoonPay

MoonPay is for builders with something to prove.

This isn't a "work on cool crypto stuff" company. It's a high-standards, high-velocity, high-accountability company building the operating system for value movement. If the internet moves information, we move value: crypto, stablecoins, tokenized assets, and whatever comes next. Four offerings make that real: fund, tokenize, trade, and spend. 30M+ customers and 500+ ecosystem partners run on us. Licensed in the U.S. Regulated across the UK, EU, Canada, and Australia.

AI is the default operating mode here. It's woven into every role, and we expect you to use it daily. It handles the manual work so you can deliver on what actually matters.

You'll thrive here if outcomes excite you more than process, if impact motivates you more than titles, and if you want hard problems, real ownership, and teammates who love winning, building, and doing it together.

The bar is high. The pace is real. We're building for what's next, for humans and agents.
Recent recognition:

Forbes' America's Best Startup Employers 2026 .
2nd in Crypto Services on Fortune's inaugural Crypto 100
The Sunday Times Best Places to Work two years running
Research has shown that women are less likely than men to apply for this role if they do not have experience in 100% of these areas. Please know that this list is indicative, and that we would still love to hear from you even if you feel that you are only a 75% match. Skills can be learned, diversity cannot.


As a Principal Risk Analyst, you'll identify, measure, and mitigate the risks that come with operating a crypto payments business, including counterparty exposure, liquidity and market risk, and the technical risks unique to blockchain rails. You'll work with Product, Engineering, Compliance, Treasury, and Operations to make sure we can grow quickly without taking risks we don't understand.

What You'll Do
  • Review & challenge risk assessment across our payment flows, including on-ramps, off-ramps, card and bank funding, stablecoin settlement, and cross-border transfers.

  • Assess and monitor counterparty risk across liquidity providers, exchanges, custodians, banking partners, payment processors, and blockchain infrastructure vendors.

  • Evaluate exposure from cross-chain bridges, DEX swaps, and smart contract interactions, including protocol risk, liquidity depth, slippage, and settlement failure.

  • Review & challenge risks related to crypto trading, including price slippage, execution latency, and hedging liquidity across venues.

  • Work with Treasury on market, liquidity, and FX risk, including hedging strategy, inventory and float management, and stablecoin de-peg scenarios.

  • Provide an independent review of new product proposals, collaborating early with Product and Engineering, ensuring all risks are identified and controls are integrated from inception, and recommending approval with or without conditions.

  • Review business continuity testing and business impact analyses to ensure operational resilience and preparedness for disruptions.

  • Develop, maintain, and evolve the risk framework, with a strong focus on defining and embedding Risk Appetite Statements and Key Risk Indicators (KRIs), alongside risk registers, limits, and escalation procedures.

  • Review technology and information security risks across core systems, infrastructure, and third-party integrations to ensure robust safeguards and data protection.

  • Prepare risk reporting for senior leadership, the board, auditors, and partners

  • Conduct third-party risk assessments and continuous monitoring for critical vendors, service providers, and partners.

What You'll Bring

Experience

  • 5-10 years in risk management at a payments company, fintech, exchange, bank, or crypto firm.

  • Hands-on experience with credit/counterparty, operational, or market risk in a regulated or high-growth environment.

  • Strong quantitative and analytical skills. You are comfortable building dashboards and models from raw data.

Crypto payments knowledge (essential)

  • A deep understanding of how crypto payments work end to end: fiat-to-crypto and crypto-to-fiat flows, crypto swaps, stablecoin settlement, merchant and card acquiring, 

  • Working knowledge of blockchain fundamentals: consensus, finality, confirmations, reorgs, gas and fees, wallets, and key management.

  • Understanding of cross-chain bridges and their trust and security models, plus the history of bridge exploits.

  • Understanding of swaps, DEXs and AMMs, liquidity pools, slippage, MEV, and aggregator routing.

  • Knowledge of hedging approaches in crypto, such as spot, perpetuals, futures, options, and stablecoin basis risk.

  • Familiarity with stablecoin mechanics and reserve and de-peg risk, and with smart contract risk and audits.

  • Experience with blockchain analytics tools (e.g., Chainalysis, TRM, Elliptic) and on-chain data exploration.

Core skills

  • Excellent judgment under uncertainty. You can make a call with incomplete information and explain your reasoning.

  • Clear written and verbal communication, including the ability to translate technical risk into business impact for non-specialists.

  • A collaborative approach: you can say "no" or "yes, with conditions" without becoming a blocker.

Nice to Have
  • A professional risk certification (FRM, PRM, CAMS) or a quantitative degree.

  • Experience in DeFi or familiarity with writing or reading simple smart contract logic.

  • Prior experience building a risk function at a scaling company.

Research has shown that women are less likely than men to apply for this role if they do not have experience in 100% of these areas. Please know that this list is indicative, and that we would still love to hear from you even if you feel that you are only a 75% match. Skills can be learned, diversity cannot.

Benefits & Perks πŸ’‘
  • πŸ’° Competitive salary package

  • 🀝 Equity package: financial freedom starts with our employees, so all employees have ownership at MoonPay

  • πŸ“ˆ Pay-for-performance equity bonus: those who drive outsized outcomes receive outsized rewards

  • πŸš€ Moonshot award: we honor exceptional impact. 20 employees a year, each earning a $250,000 equity grant

  • πŸ“ŠPension: employer contributions from day one

  • 🎁Employee referral program: refer great people, earn 10K in USDC

  • 🏝 Flexible Time Off: choose when to work and when to switch off

  • πŸ”‹Recharge Period: end-of-year company-wide time off to rest and reset

  • πŸŽ‚ Birthday leave: take the day off to celebrate you

  • 🍼 Enhanced parental leave: more time with family, no second thought

  • 🌍 Hybrid working schedule: work fully remotely or from your nearest Moonbase

  • πŸš†(Netherlands only) Commuter benefits: public transport to and from the office

  • 🩺 Private healthcare benefits: to protect you and your loved ones

  • 🧘 Wellhub wellness membership: access to gyms, studios, classes, and wellness apps in one membership

  • πŸ€– Enterprise access to the latest AI tools: Claude, ChatGPT, Gemini and whatever's next

  • 🍱 Lunch credit: meals covered on the days you're in the office

  • πŸͺ‘ Home office setup allowance: build the home office of your dreams

  • πŸ‘› Remote working allowance: those working fully remotely get a little extra for utilities

  • πŸŒ• Monthly product budget and zero-fee crypto transactions

  • πŸ“š $1,000 Annual training budget: we support your learning journey

  • 🎯 High Potential Program: structured development, mentorship, and stretch opportunities

  • ✈️ Regular remote company offsites: high-impact in-person sessions and hackathons

  • 🚲 (Ireland only) Cycle to Work scheme: tax-efficient bike, gear, and safety kit

  • πŸ”Œ (UK only) EV Salary Sacrifice: lease an electric vehicle through pre-tax salary

Skills Required

  • 5-10 years of risk management experience at a payments company, fintech, exchange, bank, or crypto firm
  • Hands-on experience with credit, counterparty, operational, or market risk
  • Strong quantitative and analytical skills, including building dashboards and models from raw data
  • Deep understanding of end-to-end crypto payments, including fiat-to-crypto, crypto-to-fiat, swaps, stablecoin settlement, merchant acquiring, and card acquiring
  • Working knowledge of blockchain fundamentals, including consensus, finality, confirmations, reorgs, gas, fees, wallets, and key management
  • Understanding of cross-chain bridges, trust and security models, and bridge exploits
  • Understanding of swaps, DEXs, AMMs, liquidity pools, slippage, MEV, and aggregator routing
  • Knowledge of crypto hedging approaches, including spot, perpetuals, futures, options, and stablecoin basis risk
  • Familiarity with stablecoin mechanics, reserve risk, de-peg risk, smart contract risk, and audits
  • Experience with blockchain analytics tools such as Chainalysis, TRM, or Elliptic
  • Excellent judgment under uncertainty and ability to explain risk reasoning
  • Clear written and verbal communication skills for translating technical risk into business impact
  • Collaborative approach to risk decisions and conditional approvals
  • Professional risk certification such as FRM, PRM, or CAMS
  • Quantitative degree
  • Experience in DeFi or familiarity with reading or writing simple smart contract logic
  • Prior experience building a risk function at a scaling company

MoonPay Compensation & Benefits Highlights

The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about MoonPay and has not been reviewed or approved by MoonPay.

  • Equity Value & Accessibility β€” Equity and stock options are commonly included in offers, and some roles highlight a pay‑for‑performance equity bonus. This points to accessible ownership opportunities as part of total compensation.
  • Healthcare Strength β€” Medical, dental, and vision coverage are part of the standard package. This breadth indicates solid core healthcare support.
  • Retirement Support β€” 401(k) plans (or local equivalents) are referenced in benefit listings. This provides a structured pathway for long‑term savings.

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The Company
HQ: London
244 Employees
Year Founded: 2018

What We Do

MoonPay is a financial technology company that builds payments infrastructure for crypto. Our on-and-off-ramp suite of products provides a seamless experience for converting between fiat currencies and cryptocurrencies using all major payment methods including debit and credit card, local bank transfers, Apple Pay, Google Pay, and Samsung Pay. MoonPay is active in more than 160 countries and is trusted by 300+ leading wallets, websites, and applications to accept payments and defeat fraud.

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