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Operational Risk Analyst Jobs in Florida (NOW HIRING)

BMG Money

Sr. Risk Analyst

Miami, FL · Hybrid

Job Title: Sr. Risk Analyst - Billing & Payments Department: Risk Management & Collections Location ... Manages the operational lifecycle of plastic payment instruments, configuring automated routing ...

Raymondjames

Risk Analyst, RCS

Saint Petersburg, FL · Hybrid

Summary Monitor and analyze the organization's operational risk exposure, and contribute to the development of operational risk policies. Analyze existing processes, procedures and systems and advise ...

BankUnited

ERM Risk Analyst

Miami Lakes, FL · On-site

... and operational excellence with an entrepreneurial work environment that empowers employees to ... The ERM Risk Analyst is a key role that will report to the Director of ERM. The ERM Risk Analyst ...

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Operational Risk Analyst information

See Florida salary details

$29.1K

$64.1K

$115.8K

How much do operational risk analyst jobs pay per year?

As of Jun 22, 2026, the average yearly pay for operational risk analyst in Florida is $64,147.00, according to ZipRecruiter salary data. Most workers in this role earn between $48,900.00 and $78,100.00 per year, depending on experience, location, and employer.

What are some common challenges faced by Operational Risk Analysts, and how can these be effectively managed?

Operational Risk Analysts often face challenges such as identifying emerging risks, effectively communicating findings to stakeholders, and ensuring compliance with evolving regulations. Managing these challenges involves staying up-to-date with industry best practices, developing strong analytical and communication skills, and collaborating closely with other departments like compliance, IT, and internal audit. Building robust risk assessment frameworks and fostering a culture of transparency within the organization are also key to success in this role.

What does an operational risk analyst do?

An operational risk analyst assesses and monitors risks arising from internal processes, systems, people, or external events that could disrupt business operations. They analyze data, develop risk mitigation strategies, and use tools like risk management software to ensure organizational resilience and compliance. Strong analytical skills and knowledge of industry regulations are essential for this role.

What are the 4 pillars of operational risk management?

The four pillars of operational risk management are risk identification, risk assessment, risk mitigation, and risk monitoring. Operational risk analysts focus on these areas to develop strategies that minimize potential losses from internal processes, people, systems, or external events. Mastery of these pillars is essential for effective risk management in organizations.

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

To thrive as an Operational Risk Analyst, you need a solid background in risk management, data analysis, and business processes, typically supported by a degree in finance, business, or a related field. Familiarity with risk assessment tools, governance frameworks, and systems like GRC (Governance, Risk, and Compliance) platforms or Excel is commonly required, and certifications such as FRM or CRM are advantageous. Strong analytical thinking, attention to detail, and effective communication skills help you identify risks and collaborate with stakeholders across the organization. These skills ensure accurate risk identification and mitigation, safeguarding the organization's assets and reputation.

How much do operational risk analysts make?

Operational risk analysts typically earn a median annual salary of around $70,000 to $100,000, depending on experience, location, and industry. Entry-level positions may start lower, while experienced analysts with certifications like FRM or ORM can earn higher salaries and bonuses. The role often requires strong analytical skills and knowledge of risk management tools.

What is a risk operations analyst?

A risk operations analyst is a professional responsible for identifying, assessing, and monitoring operational risks within an organization. They analyze data, develop risk mitigation strategies, and often use tools like risk management software to ensure business processes are compliant and secure.

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

AspectOperational Risk AnalystCredit Risk Analyst
Required CredentialsBachelor's degree in finance, risk management, or related field; certifications like FRM or CRMBachelor's degree in finance, economics, or related; certifications like CFA or FRM
Work EnvironmentFinancial institutions, banks, insurance companies; focus on internal processesBanking, lending institutions; focus on borrower creditworthiness
Employer & Industry UsageUsed across banking, insurance, and investment firms for risk mitigationPrimarily in banking and lending sectors for credit assessment
Common Search & Comparison IntentUnderstanding risk management roles within financial firmsAssessing credit risk and loan approval processes

Operational Risk Analysts focus on internal processes and operational hazards within financial institutions, while Credit Risk Analysts evaluate the creditworthiness of borrowers. Both roles require similar credentials and are vital in risk management but serve different aspects of financial risk assessment.

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Operational Risk Analyst jobs near you
Sr. Risk Analyst

Sr. Risk Analyst

BMG Money

Miami, FL • Hybrid

Other

Posted 12 days ago

Job description

Job Title: Sr. Risk Analyst - Billing & Payments

Department: Risk Management & Collections

Location: Miami, FL (Hybrid - 4 Days On-Site)

Reports To: Chief Risk Officer

Type: Full-Time

FLSA: Exempt

Job Summary

The Sr. Risk Analyst - Billing & Payments manages and optimizes an automated AutoPay system to keep BMG’s customer base current while actively mitigating operational risk. This role applies advanced data and coding skills to maintain the billing intelligence layer, driving cross-functional automation across Technology, Operations, and Collections to pull accounts out of early-stage collections.

Duties, Responsibilities & Key Deliverables

  • Billing Driver Files: Authors, refines, and executes daily and weekly automated data extraction scripts to generate production-ready batch billing files.
  • Plastic Lifecycle & Return Code Rules: Manages the operational lifecycle of plastic payment instruments, configuring automated routing logic based on downstream industry return codes to protect processing continuity.
  • Root-Cause Population Analytics: Analyzes active payroll processing populations, integrating Census and Verification Service reports to diagnose failures (e.g., job or schedule changes).
  • Workflow & Decision Tree Logic: Designs and programs systemic decision trees to automate allotment re-onboarding and schedule adjustments in compliance with internal and 3rd-party guidelines.
  • Billing Control Reporting: Builds and maintains an automated daily Billing Control Report dashboard used by Operations to audit file integrity and monitor processing success rates.
  • Compliance Infrastructure: Hardens payment streams against operational risk by programming strict logic filters for NACHA retry rules, alternative processor routing, and active bankruptcy or hardship flags.
  • SOPs & Process Flows: Authors comprehensive Standard Operating Procedures (SOPs) mapping out technical architecture, data lineage, and error-handling steps to minimize key-person risk.

Required Skills/Abilities

  • Technical Tools: Proficiency in professional-grade database, data manipulation, and coding tools (e.g., SQL, Excel, Python).
  • Domain Expertise: Strong understanding of high-volume payment processor systems, return code structures, and automated compliance frameworks (e.g., NACHA).
  • Collaboration & Discretion: Ability to execute workflows independently across engineering teams while maintaining strict governance over sensitive billing data.

Education and Experience

  • Bachelor’s degree in a highly quantitative field (Data Science/Analytics, Math/OR/Stats, Economics) required; Advanced degree preferred.
  • Minimum of 2 years of direct experience in Risk Management (Operational Risk or Credit Risk) with focus on Billing and Payments risk management and optimization.
  • Minimum of 5 years of professional experience in the Financial Industry preferred.

Physical Requirements

  • Prolonged periods of sitting at a desk and working on a computer.
  • Must maintain consistent commuter readiness for an on-site office presence 4 days per week.


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