As a Risk Operations Specialist at Unit, your primary responsibilities will include reviewing incoming applications for risk factors and ensuring all information is verified. You will also communicate patterns detected during your application reviews to clients and bank partners. Additionally, you will act as an escalation point for part-time Risk Operations Associates, underwrite applications, conduct fraud investigations, and respond to support inquiries related to applications.

To qualify for the Risk Operations Specialist position at Unit, candidates should have at least 2 years of experience in operational support roles. Knowledge of CIP/KYC/OFAC regulations is essential, alongside familiarity with the finance, fintech, and fraud ecosystems. Strong communication skills and the ability to make risk-based decisions in a fast-paced environment are also crucial for success in this role.

At Unit, support for employees goes beyond just role-specific responsibilities. As a Risk Operations Specialist, you will be part of a collaborative and passionate team dedicated to creating a more equitable financial ecosystem. The company encourages communication and provides resources for professional development, allowing you to grow your career while contributing significantly to the mission.

The onboarding process for new Risk Operations Specialists at Unit is designed to integrate you into our dynamic team effectively. You'll be trained on Unit's systems, guidelines, and procedures, and receive one-on-one mentorship from your colleagues. This ensures you understand both your role and how it fits into our larger mission in embedded finance, allowing you to hit the ground running.

A Risk Operations Specialist at Unit can expect numerous opportunities for career growth within a fast-paced, expanding company. As you gain experience and demonstrate your skills, you may have the chance to take on more responsibilities, lead projects, or even step into higher roles within the Risk Operations team or other departments, contributing to your overall professional development.

In answering this question, focus on specific instances where you've conducted risk assessments, outlining your approach and the methodologies you used. It's a chance to demonstrate your analytical skills and knowledge of relevant regulations like CIP/KYC/OFAC, showing how your experience is applicable to the role of Risk Operations Specialist at Unit.

When responding, emphasize your investigative skills and detail your step-by-step approach to resolving fraud issues. Discuss how you maintain communication with clients and internal teams to address and rectify discrepancies, as well as how you ensure compliance with regulations.

Share your techniques for clear communication, focusing on active listening and empathy. Highlight how you adapt your communication style to match the client's preferences and the importance of providing thorough explanations to ensure a smooth onboarding experience, which is critical for a Risk Operations Specialist at Unit.

Discuss your time management skills and organizational techniques, such as using priority matrices or task lists. Give examples of high-pressure situations where you successfully managed multiple tasks while maintaining a high quality of work, an essential skill for a Risk Operations Specialist at Unit.

Highlight the crucial role compliance plays in establishing trust with clients and ensuring regulatory adherence. Discuss how your understanding of compliance not only protects the integrity of the company but also enhances overall risk management processes.

When answering this, choose a specific challenge related to risk management, and explain how you approached it. Focus on the steps you took to resolve the issue and what you learned from the experience, showcasing your resilience and problem-solving abilities.

Describe your proactive approach to professional development, detailing specific resources you utilize, such as industry blogs, webinars, and networking events. This shows your initiative and commitment to staying informed about changes that impact risk operations.

Express your belief that strong communication skills, analytical thinking, and a team-oriented mindset are vital for a Risk Operations Specialist. Discuss how these qualities enable effective collaboration within the team and with clients, ensuring the success of risk management efforts.

Provide a concise story demonstrating your decision-making skills. Focus on the context, the information you considered, the action you took, and the positive results it had, emphasizing your ability to make informed decisions under pressure.

Articulate your passion for embedded finance and the mission of Unit. Connect your skills and experience to the role and express your excitement about being part of a team dedicated to creating a more equitable financial ecosystem.