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Financial Risk Analyst Jobs in California (NOW HIRING)

cathaybank

AVP, Business Risk Analyst

El Monte, CA · On-site

$93K - $114K/yr

Master's degree preferred (MBA, Finance, Analytics). * Bachelor's degree in Finance, Risk Management, Economics, Data Analytics, Statistics, Mathematics, or other major within quantitative ...

Sunflower Bank NA

Model Risk Analyst

Irvine, CA · On-site

$85K - $95K/yr

As a full-service financial institution, we offer a full range of relationship-focused services to ... Sunflower Bank is seeking a Model Risk Analyst to join its Enterprise Risk Management Department.

Sunflower Bank NA

Model Risk Analyst

Irvine, CA · Hybrid

$85K - $95K/yr

As a full-service financial institution, we offer a full range of relationship-focused services to ... Sunflower Bank is seeking a Model Risk Analyst to join its Enterprise Risk Management Department.

Sunflower Bank, N.A.

Model Risk Analyst

Irvine, CA · On-site

$85K - $95K/yr

As a full-service financial institution, we offer a full range of relationship-focused services to ... Sunflower Bank is seeking a Model Risk Analyst to join its Enterprise Risk Management Department.

Cathay Bank

AVP, Business Risk Analyst

El Monte, CA · On-site

$93K - $114K/yr

Together we can make a difference in the financial future of our communities. Apply today! What our ... This role provides analytical capabilities, risk data coordination, and operational support to ...

Cathay Bank

Sr. Insider Risk Analyst

El Monte, CA · On-site

Together we can make a difference in the financial future of our communities. Apply today! What our ... The Insider Risk Analyst supports the Insider Risk Program by monitoring and triaging insider-risk ...

Anaplan

Third Party Risk Analyst

San Francisco, CA · On-site

Conduct comprehensive risk assessments of new and existing vendors, focusing on financial health ... Strong analytical skills with the ability to identify and resolve complex issues. * Excellent ...

cathaybank

Sr. Insider Risk Analyst

El Monte, CA

The Insider Risk Analyst supports the Insider Risk Program by monitoring and triaging insider-risk ... Preferred experience in or knowledge of financial industry. * Experience in or knowledge of fraud.

cathaybank

Sr. Insider Risk Analyst

El Monte, CA · On-site

The Insider Risk Analyst supports the Insider Risk Program by monitoring and triaging insider-risk ... Preferred experience in or knowledge of financial industry. * Experience in or knowledge of fraud.

Sunwest Bank

FCB Risk Analyst I

Irvine, CA

$70K - $75K/yr

Job Title: FCB Analyst I Department: Foreign Correspondant Banking - 34 Reports to: FCB Risk ... Experience with financial crime tools (e.g., LexisNexis or similar platforms) * Experience with ...

New

Axos Bank

Construction Risk Analyst

Los Angeles, CA

$25 - $30/hr

Bachelor's degree in finance required, Experience in Real Estate, Civil Engineering, Construction ... risk analysis, or commercial real estate credit * Internship or entry-level experience in banking ...

Axos Bank

Construction Risk Analyst

San Diego, CA · On-site

$25 - $30/hr

Bachelor's degree in finance required, Experience in Real Estate, Civil Engineering, Construction ... risk analysis, or commercial real estate credit * Internship or entry-level experience in banking ...

Axos Bank

Construction Risk Analyst

San Diego, CA · On-site

$25 - $30/hr

Bachelor's degree in finance required, Experience in Real Estate, Civil Engineering, Construction ... risk analysis, or commercial real estate credit * Internship or entry-level experience in banking ...

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All JobsFinancial Risk Analyst JobsFinancial Risk Analyst Jobs in California

Financial Risk Analyst information

See California salary details

$38K

$87K

$116.5K

How much do financial risk analyst jobs pay per year?

As of Jun 24, 2026, the average yearly pay for financial risk analyst in California is $86,957.00, according to ZipRecruiter salary data. Most workers in this role earn between $69,100.00 and $109,100.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Financial Risk Analyst, and why are they important?

To thrive as a Financial Risk Analyst, you need strong analytical skills, a solid understanding of finance and statistics, and typically a bachelor's degree in finance, economics, or a related field. Familiarity with risk modeling tools, financial software like Excel, MATLAB, or Python, and certifications such as FRM or CFA are highly valued. Attention to detail, problem-solving abilities, and effective communication help analysts present complex risk findings clearly and work well in teams. These competencies are essential for accurately assessing potential risks, supporting sound decision-making, and safeguarding an organization's financial stability.

What are some common challenges faced by Financial Risk Analysts in their daily work, and how can they be addressed?

Financial Risk Analysts often deal with rapidly changing market conditions and large volumes of complex data, which can make accurate risk assessment challenging. Staying updated with regulatory changes and effectively communicating risk findings to stakeholders with varying levels of financial knowledge are also frequent hurdles. To address these challenges, analysts typically use advanced risk modeling tools, participate in ongoing training, and collaborate closely with other departments such as compliance and trading. Building strong analytical and communication skills is key to navigating these demands successfully.

What is the difference between Financial Risk Analyst vs Credit Analyst?

AspectFinancial Risk AnalystCredit Analyst
Required CredentialsBachelor's degree in finance, economics, or related field; certifications like FRM or CFABachelor's degree in finance, economics, or related field; certifications like CFA often preferred
Work EnvironmentFinancial institutions, investment firms, corporate finance departmentsBanks, lending institutions, credit agencies
Employer & Industry UsageUsed across finance sectors to assess risk levels of investments and portfoliosPrimarily used by banks and lenders to evaluate creditworthiness of borrowers

While both roles involve financial analysis, a Financial Risk Analyst focuses on assessing overall financial risks across investments and portfolios, whereas a Credit Analyst specializes in evaluating the creditworthiness of individual borrowers. Both roles require similar credentials and often work within the finance industry, but their specific focus areas differ.

What does a Financial Risk Analyst do?

A Financial Risk Analyst identifies and assesses potential risks that could affect a company's financial health, such as market fluctuations, credit issues, or operational losses. They use quantitative techniques, financial modeling, and data analysis to forecast potential risks and recommend strategies to mitigate them. Their work helps organizations make informed investment decisions, comply with regulations, and protect assets. Financial Risk Analysts often work in banks, investment firms, insurance companies, and corporate finance departments.
What are popular job titles related to Financial Risk Analyst jobs in California? For Financial Risk Analyst jobs in California, the most frequently searched job titles are:
What job categories do people searching Financial Risk Analyst jobs in California look for? The top searched job categories for Financial Risk Analyst jobs in California are:
What cities in California are hiring for Financial Risk Analyst jobs? Cities in California with the most Financial Risk Analyst job openings:
Financial Risk Analyst jobs near you
Infographic showing various Financial Risk Analyst job openings in California as of June 2026, with employment types broken down into 78% Full Time, and 22% Part Time. Highlights an 82% Physical, 7% Hybrid, and 11% Remote job distribution, with an average salary of $86,957 per year, or $41.8 per hour.
Risk Analyst Lead

Risk Analyst Lead

Commercial Bank of California

Los Angeles, CA • On-site

$70K - $80K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 9 days ago

Job description

Risk Analyst Lead

Location: Los Angeles, CA
Job Type: Full-Time | Exempt | Eligible Remote
Salary Range: $70,000 – $80,000 per year

About Commercial Bank of California

Commercial Bank of California (CBC) is the largest Latino-owned bank in California and a certified Minority Depository Institution (MDI). Headquartered in Irvine and founded in 2003, CBC is one of the largest privately held banks in the state, with over $3.5 billion in assets as of December 2025.

We are a purpose-driven financial institution committed to building long-term relationships and delivering innovative, personalized banking solutions. Our leadership reflects the diverse communities we serve, and our mission is rooted in empowering entrepreneurs, business owners, and community leaders to thrive.

As a certified MDI, CBC is proud to play a vital role in advancing financial inclusion and economic opportunity. We believe in a higher vision for banking—one that prioritizes trust, collaboration, and community impact. Join us and be part of a team that’s redefining what it means to be a community-focused, relationship-driven bank that puts people over profits.

Job Summary

We are seeking a detail-oriented and driven Payments Risk Analyst Lead to join our team and play a key role in protecting and strengthening our ACH and BankCard programs. In this position, you will lead first-line risk monitoring and analysis across Third-Party Payment Processors (TPPPs) and merchant accounts, helping to identify potential fraud, reduce exposure, and support sound risk decisions. This is a great opportunity for a strategic thinker who enjoys solving complex problems, working cross-functionally, and making a meaningful impact in a fast-paced payments environment. The ideal candidate brings strong analytical skills, sound judgment, and a proactive approach to staying ahead of industry rules, trends, and regulatory changes.

Essential Duties and Responsibilities

Lead Merchant and TPPP Risk Reviews

  • Lead reviews of high-risk merchant accounts and prepare clear, well-supported recommendations for Underwriting/Risk.
  • Conduct TPPP due diligence reviews, develop exposure worksheets, and present findings to support informed risk decisions.
  • Analyze transaction activity and supporting documentation—including invoices, receipts, proof of authorization, and client agreements—in the context of each merchant’s business model and processing history.
  • Engage directly with merchants through interviews and outreach to assess unusual activity, clarify concerns, and identify potential fraud risks.


Drive Monitoring, Exceptions, and Investigations

  • Monitor daily, monthly, and quarterly portfolio exception reports to identify emerging risks, reduce exposure, and escalate suspicious activity when needed.
  • Review merchant processing activity for parameter violations, exceptions, and unusual behavior, and initiate risk reviews in response.
  • Investigate questionable transactions by analyzing activity patterns, chargebacks, returns, exceptions, and changes in deposit behavior.
  • Gather transaction data and supporting documentation to validate activity, resolve concerns, and strengthen risk assessments.

Strengthen Risk Policies, Controls, and Continuous Improvement

  • Help shape and implement scalable risk policies, procedures, and guidelines that support ACH and BankCard program growth.
  • Partner with Underwriting/Risk and the Director of Payments Solutions to enhance processes, strengthen controls, and support policy updates.
  • Track risk levels through ongoing reviews of processing parameters, chargebacks, abnormal trends, and other key risk indicators.
  • Respond to internal and external inquiries related to risk concerns and transaction trends with professionalism, clarity, and sound judgment.

Collaborate Across Key Partners

  • Underwriting/Risk to support high-risk account recommendations, approvals, and ongoing risk evaluation.
  • Payments Operations to coordinate remediation efforts, operational follow-through, and documentation.
  • BSA/AML/Compliance, as needed, to escalate and address suspicious activity indicators.
  • TPPPs and merchants to request information, review documentation, and address risk-related matters.

Minimum Qualifications

Required: Bachelor’s degree in business administration/ finance, Accounting or related field and 5+ years related experience.

Education/Training/Experience

  • Required: Minimum of 5 years’ experience in Payments Solutions (ACH and/or BankCard).
  • Preferred: Bachelor’s degree in Business Administration, Finance, or a closely related field.
  • Plus: 3 years of banking experience and/or BSA experience.


Knowledge, Skills & Abilities

  • Knowledge of banking laws, bank policies/procedures, and regulations applicable to payments.
  • Payments experience (ACH or BankCard) strongly preferred; understanding of merchant business models and processing risk signals.
  • Strong investigative, analytical, and problem-solving skills; excellent attention to detail.
  • Ability to multitask, prioritize, and manage projects to completion within deadlines.
  • Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook).
  • Excellent communication skills (written and verbal) with the ability to communicate risk concerns to varied audiences.
  • Ability to utilize AI solutions such as CoPilot appropriately and effectively.
  • Research and analysis techniques to resolve issues
  • Ability to work effectively in a team or independently


Licenses/Certificates

  • AAP (Accredited ACH Professional) or similar certification preferred but not required.

Benefits & Perks

  • Competitive employer contribution to medical, dental and vision coverage
  • 401k plan with employer match
  • Flexible Spending Accounts (FSA) and Dependent Care Accounts
  • Employee Assistance Program (EAP)
  • Employer provided Calm subscription
  • Employer provided mental health benefits through Teladoc
  • Life, AD&D and disability insurance
  • Minimum 15 Days of Vacation, 11 Paid Federal Holidays, Paid Time off to Volunteer
  • Online discount program
  • Tuition Reimbursement Program

Join Our Team!

  • Submit your resume to Apply to Your Position Here

Equal Employment Opportunity & Accommodations

Commercial Bank of California is proud to be an Equal Employment Opportunity employer. We are committed to creating an inclusive environment for all employees and applicants. All qualified individuals will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, protected veteran status, or any other legally protected characteristic.

We evaluate applicants fairly and equitably, including those with criminal histories, in accordance with applicable federal, state, and local laws.

Commercial Bank of California is also committed to providing reasonable accommodations to individuals with disabilities. If you require a reasonable accommodation during the application or interview process, please contact us at hrrecruiting@cbcal.com with the nature of your request and your contact information.

Recruitment Policy

Commercial Bank of California does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to CBC, either directly or indirectly, will be considered the property of Commercial Bank of California.

We will not pay a fee for any placement resulting from the receipt of an unsolicited resume. To submit candidates for consideration, recruiting agencies must have a valid, written, and fully executed agreement with Commercial Bank of California. Without such an agreement in place, no agency submissions will be accepted or compensated.

Applicants must be legally authorized to work in the United States at the time of hire. This position is not eligible for employment sponsorship.