Payments Risk Analyst – Operational Risk

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions, enabling the communities we support to grow and succeed in the right ways, all more confidently and more often—that's what we call the courage to thrive.   We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive. Try new things, learn new skills and discover what you excel at—all from Day One. 

As a wholly owned subsidiary of U.S. Bank, Elavon is committed to building the platforms and ecosystems that help over 1.5 million customers around the world to achieve their financial goals—no matter what they need. From transaction processing to customer service, to driving innovation and launching new products, we're building a range of tailored payment solutions powered by the latest technology. As part of our team, you can explore what motivates and energizes your career goals: partnering with our customers, our communities, and each other. 

location: Warsaw

Working model: hub (3 days in the office)

As part of U.S. Bancorp's Corporate Risk Management and Compliance Division, the Operational Risk Management (ORM) Department assesses enterprise-wide operational risk levels and trends, determines the effectiveness of operational risk controls, and works with Business Lines (BL) on opportunities to mitigate operational risk.

Are you passionate about safeguarding payment systems and ensuring compliance with European banking standards? Join our Operational Risk Management (ORM) team within the Second Line of Defense (SLoD) as a Payments Risk Analyst, where you'll help shape risk strategies and support operational excellence across a wide range of payment platforms.

What You'll Do

• Analyze end-to-end payment processes and identify operational risks across systems such as CHAPS, Target2, ACH, Wire, RTP, SWIFT, and Zelle.
• Support the development and execution of Risk and Control Self-Assessments (RCSA) and Business Line Quality Assurance (BLQA) for payment operations.
• Conduct policy and standard gap assessments to ensure alignment with internal frameworks and Banking Laws and Regulations.
• Assist in drafting and maintaining enterprise-level policies for managing payment processing risks.
• Coordinate remediation efforts and track progress to close identified gaps.
• Contribute to enterprise-wide risk reporting and trend analysis for senior leadership and regulators.
• Participate in root cause analysis of payment-related issues and support control improvement initiatives.
• Collaborate with business lines to address regulatory and audit findings.

Basic Qualifications

• Bachelor's degree or equivalent experience.
• 10+ years of experience in risk management, compliance, or payment operations.
• Experience in, or understanding of, risk reporting and trend analysis; risk and control assessment; gap assessment; and root cause analysis.

Preferred Skills

• Experience in operational risk or payment systems within financial services.
• Knowledge of payment networks (CHAPS, Target2, ACH, Wire, RTP, SWIFT, Zelle).
• Familiarity with RCSA, BLQA, and regulatory compliance processes.
• Strong communication and collaboration skills.
• Proficiency in Microsoft Office tools and process mapping software.
• Experience with GRC platforms like Archer.
• Analytical mindset with attention to detail and problem-solving abilities.

Why You'll Love This Role

This is a great opportunity to grow your career in operational risk management while making a meaningful impact on how payments are managed and protected. You'll work in a collaborative environment with opportunities to learn, contribute, and advance.

The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.

If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits:

We offer an exciting, fast-paced and diverse working environment with employees of many different nationalities. We provide benefits to help you protect your health and financial security; and give you peace of mind. We also invest in your career growth with development resources that give you the opportunity to stretch and shine.

Posting may be closed earlier due to high volume of applicants.