Risk Management Analyst

At Acorns, our mission is to look after the financial best interests of the up-and-coming, beginning with the empowering, proud step of micro-investing. How do we accomplish our mission? Our values.

Lead With Heart - With compassion, integrity, and tenacity, inspire yourself and others to move past all previous thresholds of possibility

Make Bold Decisions - We are creating a new world. Be optimistic, adventurous, and courageous. Leap fearlessly into the future

Always Build Trust - Say what you mean, mean what you say, and do what you say you’re going to do. We are all owners. We are one team

Never Stop Growing - Change IS the constant. Stay hungry and curious. Be relentless in the pursuit of progress

Find a way - Never settle, no excuses, nothing is impossible. Just make it happen

Our values guide us, and our mission drives us. Come join us and help deliver financial wellness for the whole family, putting the tools of wealth-making into everyone’s hands.

Acorns is seeking a Risk Management Analyst to support our financial risk team. In this role, you will be responsible for developing and implementing scalable strategies that mitigate risks in money movement and our referral program while driving growth and balancing the impact of risk strategies on the customer’s experience.

Acorns is a remote-first organization, offering the flexibility to work remotely while providing optional access to office space in Irvine, CA.

As a Risk Management Analyst, you will join our Banking and Investment product agile teams to integrate risk-based decision-making into the very fabric of our company culture. You will be a solutions-focused partner, ensuring our mission to look after the financial best interests of the up-and-coming is protected by robust risk discipline.

• Strategy & Implementation: Develop, implement, and maintain scalable strategies to mitigate financial risks associated with money movement and referral programs.

• Cross-Functional Collaboration: Build and maintain strong relationships with stakeholders across Banking, Invest, Analytics, Data Science, and Product teams to align risk strategies with company growth.

• Data-Driven Decision Making: Query complex data environments to convert raw data into actionable information and automated processes; increase the analytic rigor used to drive key initiatives on the Risk and Product roadmaps.

• Monitoring & Optimization: Define, monitor, and report on daily, weekly, and monthly KPIs; proactively escalate anomalies and drive improvements in loss budgets while balancing customer false-positive rates.

• Infrastructure Support: Develop a deep understanding of the technical infrastructure supporting our core products to identify and address potential vulnerabilities effectively.

• Loss Prevention: Make meaningful contributions to reducing financial losses and expenses, ensuring our risk practices are best-in-class and customer-focused.

• BS in Business, Finance, Math, or another technical field.

• 3–5 years of experience in an operational, analytical, or risk-focused role, preferably within a financial institution.

• Strong analytical and problem-solving skills with a proficiency in converting data into scalable processes.

• Hunger to deliver game-changing products that solve big societal challenges.

• Exceptional drive and precision in delivery.

• A belief that your work is tied to your life's mission.

• Optimistic about the potential of societal change.

You are not expected to have experience with all listed requirements. If you feel passionate about Acorns' mission, vision, and values, please apply.

• Competitive salary and stock options

• A comprehensive benefits package for you and your family

• Flexible work location, hours, and paid time off

• 401(k) matching

• Monthly Acorns account contribution & GoHenry account for your family

• Mindfulness and Financial Wellness resources, Headspace and Addition Wealth

• Acorns Career Development Program (Ongoing training sessions, development plans, development check-ins, Cornerstone’s online training platform)

• Roots Leadership Program for Emerging Leaders

• Community week…