About One

One’s mission is simple - to help customers achieve financial progress. We’re doing this by creating simple solutions to help our customers save, spend, borrow, and grow their money – all in one place.

The U.S. consumer today deserves better. Millions of Americans today can’t access credit, build savings or wealth, and are left to manage their financial lives through multiple disconnected apps. Almost a quarter of U.S. adults are unbanked or underbanked and roughly 80% of fintech users rely on multiple accounts to manage their finances.

What makes us unique? We are backed by a preeminent fintech investor (Ribbit) and the world’s largest retailer (Walmart), maintain the speed and independence of a startup, and employ a strong (and growing) collection of world-class talent.

There’s never been a better moment to build a business that helps people achieve financial progress. Come build with us!

The role

As Business Risk Lead for ONE, you are accountable for end to end business risk that spans over all operational and business policy executions. This role is a strategic hire at an inflection point of ONE journey as we continue our exponential growth in product offerings as well as a multi million customer base. You will work closely with risk, product, operations, compliance and engineering teams to design and maintain ONE’s Business Risk Management framework and hold relevant functional leaders responsible to ensure adherence to it. This role reports to the Head of Risk/ Chief Risk Officer of ONE.

This role is responsible for:

• Building and supporting multiple risk and control programs for the organization including defining the strategy, approach, processes, quality, tools and reporting that provide business risk management consistency and excellence.

• Collaborating with business partners on monitoring programs (automated as well as manual QA programs), any findings and making recommendations and providing guidance and oversight on improving practices.

• Helping develop and maintain procedural implementation and change management processes with Operations and Execution teams to ensure proper governance and controls exist.

• Partnering with compliance and operations to examine procedures for consistency and gaps relative to regulations in addition to impacts on customer experience.

• Ensuring internal testing and rigorous monitoring of high risk processes such as handling of disputes and overall complaint management.

• Seeking out and leverage technology and data to examine impacts to Customer Experience and Regulatory adherence.

You bring

• 10+ Years of experience working in a financial services/ Bank organization in an operational role

• Must have experience managing or having oversight of highly regulated business processes and operational procedures

• Experience dealing with regulators and working on remediating regulatory finding is a strong plus

• Natural people person able to navigate through complex organizations (global multi location hybrid or remote teams) and build trusted business relationships

• Able to operate with a limited level of direct supervision and exercise independence of judgment and autonomy.

• Acts as SME to senior stakeholders and /or other team members.

• An act-like-an-owner mentality. We have a bias toward taking action.

Pay Transparency

The estimated annual base salary for this position ranges from $175,000 to $220,000. Pay is generally based upon the level, complexity, responsibility, and job duties / requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits.

We use Covey as part of our hiring process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound on May 31, 2024.

Please see the independent bias audit report covering our use of Covey here.

Leveling Philosophy

In order to thoughtfully scale the company and avoid downstream inequities, we’ve adopted a flat titling structure at One. Though we may occasionally post a role externally with a prefix such as “Senior” to reflect the external level of the position, we do not use prefixes in titles like that internally unless in a position which manages a team. Internal titles typically include your specific functional responsibility, such as engineering, product management or sales, and often include additional descriptors to ensure clarity of role and placement within our organization (i.e. “Engineer, Platform”, “Sales, Business Development” or “Manager, Talent”). Employees are paid commensurate with their experience and the internal level within One.

Inclusion & Belonging

To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@one.app.