Sr. Risk Analyst (MANTL)

Alkami is a leading cloud-based digital banking solutions provider for financial institutions in the United States that helps clients to transform through retail and business banking, digital account opening and loan origination, payment fraud prevention, and data analytics and engagement solutions. Alkami’s Mobile App Platform has been certified by J.D. Power for providing clients with “An Outstanding Mobile Banking Platform Experience.”

Founded in 2009, we continue to be recognized for our intentional culture and tremendous growth (Best Place to Work in Fintech; Best & Brightest to Work For Nationally; and Comparably’s Best Company Culture, Best Career Growth, Best Engineering Team, and Best Places to Work in Dallas, among others). Through our bold investments in technology and people, we empower our clients to grow confidently, adapt quickly, and build thriving digital banking communities through tailored experiences for over 19.5M users.

As a remote-first company, most of our positions can be remote in the US, except for key roles, which will be indicated in the Job Title.

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The Senior Risk Analyst plays a key role in delivering modern, streamlined lending experiences for financial institutions. You will partner closely with clients to translate their credit, operations, and compliance needs into scalable workflows within our platform. This role blends product expertise, problem-solving, and consultative guidance to ensure every implementation drives automation, accuracy, and measurable business impact.

Key Responsibilities

• Implement KYC and underwriting decisioning platforms for consumer and business, including discovery, requirements, configuration, UAT, and go-live.

• Translate client goals into clear system workflows—underwriting rules, automation logic, routing, KYC/KYB steps, and decisioning paths.

• Configure decisioning frameworks using structured logic and data-driven rules to support efficient onboarding and risk management.

• Partner cross-functionally with Implementation, Product, Engineering, and Integration teams to align configurations with best practices and platform capabilities.

• Guide clients through operational and regulatory considerations, including KYC/KYB/AML, fraud controls, and credit policy alignment.

• Support clients during testing cycles—validating workflows, troubleshooting issues, and ensuring readiness for launch.

• Create clear documentation including workflow diagrams, configuration specs, and testing results.

• Build strong, trusted relationships with stakeholders across credit, operations, compliance, and technology teams.

Requirements

• Education: Bachelor’s degree in business, Finance, Economics, Information Systems, or related field.

• Experience: 5–7 years in loan origination, digital onboarding, or financial-services implementation roles.

• Strong understanding of consumer and/or business lending, underwriting processes, and modern risk-decisioning practices.

• Ability to design and configure system workflows, rules, and automations based on client requirements.

• Familiarity with regulatory standards (KYC, KYB, AML, CDD) and how they apply to digital onboarding.

• Confident communicator able to engage with both technical and non-technical teams, including executives.

• Proven ability to analyze workflow behavior, identify root-cause issues, and recommend optimizations.

Technical Skills

• Experience with loan origination platforms, workflow automation tools, or digital onboarding systems.

• Working knowledge of structured rule logic (e.g., decision tables, JSON-based logic).

• Ability to understand API workflows, data mapping, and integration requirements.

• Experience with Jira, Confluence, and data visualization tools (e.g., Power BI) is a plus.

• Understanding of credit bureau data, identity-verification vendors, and fraud-risk tools.

Nice to Have

• Experience with Alloy, Effectiv, Taktile, or similar KYC/KYB and decisioning platforms.

• Background working in fintech, SaaS, core banking, or consulting environments.

• Exposure to alternative data sources, fraud engines, or risk-scoring frameworks.

• Experience launching digital account opening or lending products in partnership with financial institutions.

The salary range for this position is: $130,000 - $160,000Cool Things to Know

Not Just Any Company: Alkami has an awesome diverse and inclusive environment. We have a FUN culture and offer great benefits, including remote-first environment, unlimited paid time off, 401(k) with employer match, and more.

Work Authorization: We cannot offer employment sponsorship at this time. Candidates must be eligible to work in the US for full-time employment.

Recruiters: We are not looking for outside recruiting firms to help us in this search. Thank you for understanding.

Pay Transparency: As of January 1, 2023, new states and locales have enacted pay equity laws that require more pay transparency by employers in the following states: California, Colorado (effective January 1, 2021), Connecticut, Maryland, Nevada, New Jersey, New York, Ohio, Rhode Island and Washington.

The Important Stuff

Alkami Technology is an Equal Opportunity Employer and Prohibits Discrimination and Harassment of Any Kind: Alkami is committed to the principle of equal employment opportunity for all employees and to providing employees with a work environment free of discrimination and harassment. All employment decisions at Alkami are based on business needs, job requirements and individual qualifications, without regard to race, color, religion or belief, national, social or ethnic origin, sex (including pregnancy), age, physical, mental or sensory disability, HIV Status, sexual orientation, gender identity and/or expression, marital, civil union or domestic partnership status, past or present military service, family medical history or genetic information, family or parental status, or any other status protected by the laws or regulations in the locations where we operate. Alkami will not tolerate discrimination or harassment based on any of these characteristics. Alkami encourages applicants of all ages.

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J.D. Power 2024 Mobile App Platform Certification ProgramSM recognition is based on successful completion of an audit and exceeding a customer experience benchmark through a survey of recent servicing interactions. For more information, visit jdpower.com/awards.