Dave Inc.
Short for David vs Goliath, Dave helps people avoid bank overdraft fees.
West Hollywood, CA
Remote

Senior Risk Analyst at Dave Inc. (Greater LA Area, CA or Remote)

| Greater LA Area | Remote
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Dave is a banking app on a mission to build products that level the financial playing field. To date, we've helped more than 11 million customers bank, budget, avoid overdraft fees, find work, and build credit—and we're just getting started. We believe in a world where everyone has access to financial opportunity and the ability to reach their personal financial goals. With a growing suite of tools and services, we provide a superior banking experience for anyone living paycheck to paycheck.

As a virtual-first company, there is no preference on where we get our work done. You are able to live anywhere in the United States, with the exception of Hawaii.

Team Overview

An experienced risk analyst is a highly motivated team player with self-learning ability who specialize in creating, driving and executing initiatives to mitigate fraud patterns while improving the customer’s experience for Dave’s millions of customers. The day to day job involves identifying fraud patterns based on analysis of huge data sets, creating mitigations to prevent fraud and adapting advanced proprietary fraud prevention mechanisms to enable Dave’s business growth. Our relentless innovation is aimed towards continually identifying fraud attacks across every state of the customer life cycle and enabling real-time intelligent decisions. The risk analyst works with a wide variety of partners in the company such as product compliance experts, fraud and risk management, data scientists and engineers to bring her/his analytical insights to work. The ideal candidates are problem solvers, equipped with strong analytical skills suited to approach varied challenges in complex big data environments. Risk Analysts will be required to drive solutions from start to finish, have a strong sense of accountability coupled with passion for a great customer experience.

What You'll Do

  • Drive End-to-End processes with partners across many organizations
  • Plan and execute long-term projects from start to finish.
  • Drive partners from across the company to help in the execution process.
  • Think and execute product requests to help Risk achieve their goals of reducing fraud losses and improving customers’ experience.
  • Develop data-driven decision strategies to support the business’ financial goals, monitor their impact and adjust it according to the dynamic world we operate in.
  • Work with Dave’s detailed business data to optimize performance and minimize financial loss across multiple products.
  • Advocate for your data products by contributing to business cases that improve prioritization and identify new trends and opportunities for your space.
  • Cultivate relationships with partners across fraud, risk management, operations, product, policy, and engineering to remove roadblocks, provide insight, and build risk/fraud roadmap.
  • Create analytical frameworks to measure team success: partner with teams to determine success metrics, create approaches to track the data and troubleshoot errors, measure and evaluate the data, then develop a common language for all colleagues to understand these Indicators.
  • Works independently and proficiently. Accountable for own results. Reviews are mainly for consultation and sharing ideas.
  • Works on multiple assignments simultaneously and in all areas of a standard project in the area of responsibility.
  • Ad-hoc analysis to address urgent high impact analysis for business stakeholders
  • Mentors junior data analysts.
  • Excellent communication skills to distill complex thoughts and strategies into simple, actionable recommendations

What You'll Need

  • 4+ years of quantitative analyses experience in the financial industry to build data-driven strategy for solving risk management/fraud detection problems. 
  • High proficiency in fundamental technical skills (experience with SQL/programming/scripting language). Familiar with Python is a plus.
  • Has solid knowledge of internal and external business processes and data, systems and flows, as well as analytic tools, processes, and methodologies, solutions do the job with a high level of proficiency and quality.
  • Has a solid understanding of EServ financial outcomes, initiatives, strategies, and future directions, as well as organization structures to be able to see the big picture, connect the dots, and navigate organization structures with relative ease.
  • Has some basic understanding of business and finance in the context of the mobile banking business.
  • Experience collaborating with and understanding the needs of stakeholders from a variety of business functions, including product, risk, compliance, finance and so on.
  • Bachelor's degree in Computer Science, a related field or equivalent practical experience
  • Proven strong analytical and problem-solving skills
  • Experience in Financial Services or FinTech preferred
  • Previous work on evaluating product iterations or experiments

Benefits & Perks 

• Premium Medical, Dental, and Vision Insurance plans
• Insurance premiums 100% covered for you and 80% for your dependents
• Company provided Basic Life and Short-Term and Long-Term Disability plans
• Generous paid parental and caregiver leave
• Voluntary Life Insurance
• 401(k) savings plan with matching contributions
• Unlimited PTO and generous company holidays
• Company laptop and home office stipend
• Personal financial advisor

Dave Inc is proud to be an Equal Employment Opportunity employer. We do not discriminate based upon race, ethnicity, religious creed, color, national origin, ancestry, gender (including pregnancy, childbirth, or related medical conditions), gender identity, gender expression, sexual orientation, marital status, age, status as a protected veteran, status as an individual with a disability, medical condition, or any other category protected by applicable federal and state law, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance relating to an applicant's criminal history.

#LI-REMOTE #BI-Remote

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Where we are

750 N San Vicente Blvd., West Hollywood, CA 90069

Technology we use

  • Engineering
    • JavascriptLanguages
    • PythonLanguages
    • SqlLanguages
    • TypescriptLanguages
    • ReactLibraries
    • ReduxLibraries
    • React NativeLibraries
    • Node.jsFrameworks
    • MySQLDatabases
    • RedisDatabases
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What are Dave Inc. Perks + Benefits

Dave Inc. Benefits Overview

• Premium Medical, Dental, and Vision Insurance plans
• Insurance premiums 100% covered for you and 80% for your dependents
• Company provided Basic Life and Short-Term Disability plans
• Competitive salary and equity compensation packages
• Voluntary Life Insurance and Long-Term Disability plans
• 401(k) savings plan with matching contributions
• Flexible Spending Account (FSA)
• Generous and flexible PTO
• Flexible work hours
• Generous paid parental leave
• 1UP Wednesdays where you can teach or learn something new from a fellow Dave
• A collaborative environment with opportunities for learning and growth
• Virtual social events

Culture
Volunteer in local community
Partner with International Rescue Committee for annual gift drive. Host regular coding meetups with St Joseph's Center Code Talk
Partners with Nonprofits
Dave has planted over 8 million trees through its partnership with Trees.org. We've also recently partnered with Feeding America to help provide meals.
Friends outside of work
Eat lunch together
Daily sync
Open door policy
Team owned deliverables
Team based strategic planning
Group brainstorming sessions
Open office floor plan
Diversity
Highly diverse management team
Dave's C-suite and extended leadership team is growing and focused on continuous improvement of our DE&I initiatives.
Diversity Employee Resource Groups
#Los_Daves, #Davesians, #LadyDaves, #Gayves
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Dave employees can contribute up to $2750 annually to their Healthcare FSA and up tp $5000 annually for their Dependent Care FSA.
Disability Insurance
Dental Benefits
Guardian Dental and Dental BuyUp option
Vision Benefits
Guardian Vision
Health Insurance Benefits
Cigna PPO, Cigna EPO, and Kaiser HMO
Life Insurance
Voluntary Life Insurance and Long-Term Disability plans
Mental Health Benefits
Dave offers Guardian's Employee Assistance program for employees and their family members.
Retirement & Stock Options Benefits
401(K)
401(K) Matching
Company Equity
Child Care & Parental Leave Benefits
Generous Parental Leave
Remote Work Program
We are a virtual first company.
Vacation & Time Off Benefits
Unlimited Vacation Policy
Paid Holidays
Perks & Discounts
Casual Dress
Stocked Kitchen
Some Meals Provided
Happy Hours
Happy hours are hosted at team's discretion. Optional happy hour after All Hands meeting on Thursdays.
Parking
Relocation Assistance
Professional Development Benefits
Job Training & Conferences
Cross functional training encouraged
Promote from within

Additional Perks + Benefits

There is a lot of freedom at Dave to create and implement your own career plan. Management truly cares that Daves are developing as professionals.

An Insider's view of Dave Inc.

What's something quirky about your company?

We are now a virtual first company! It's been an adjustment for us all, but our values and sense of community have not been lost during this time. For example, I was able to gain full support from Leadership to provide our team with virtual coding training courses. Dave really cares in advancing our collective potential as a team.

Whitney

Loss Management Analyst

What projects are you most excited about?

Working at Dave has been extremely rewarding because I am able to have my ideas heard and see them implemented in our technology/product! I've been able to design an analytics platform, perform feature engineering for the ML model that powers our main product, and build up our ML infrastructure to support faster iterations in model building.

Justin

Data Scientist II

How has your career grown since starting at the company?

Since starting at Dave, I've been able to grow into a position I've been striving for in my previous roles fairly quickly. Hard work really does pay off at Dave because the team notices our dedication and recognizes us accordingly. I'm very proud to work for a company that acknowledges the work I do, making me feel empowered and significant!

Brittany

Fraud Manager

What's the biggest problem your team is solving?

How to meet our members where they are in their financial journey. We achieve this by really focusing on being customer-first and working to deeply understand who our members are, what solutions they’re looking for, how they like to digest information, what they’re motivated by, what their interests are, and what goals they have.

Andy

Product Marketing Manager

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