Senior Operations & Supplier Testing Analyst

Shape a brighter financial future with us. Together with our members, we're changing the way people think about and interact with personal finance. We’re a next‑generation financial services company and national bank using innovative, mobile‑first technology to help our millions of members reach their goals.

The Senior Operations and Supplier Tester resides within the 1st Line of Defense (1

LOD) Operations and Supplier Testing team. This position plays a crucial role in supporting risk management of 1

LOD Operations. The role requires hands‑on support for performing 1

LOD transactional and supplier oversight testing, completing all assigned testwork within established timelines, assisting the Testing Manager with building‑out new tests and expanding existing test scripts, and proficiently articulating exceptions and findings related to testwork.

• Ensure Operations and key suppliers have a sustainable and effective end‑to‑end control environment by identifying gaps and weaknesses during testing.
• Support testing activities across Big Business Banking operational areas such as commercial deposits, treasury/payment operations, servicing activities, lending operations, and related operational processes.
• Document and perform complex and high‑risk process and control testing to provide reasonable assurance that internal and external processes are operationally effective.
• Obtain and analyze test data from multiple sources, following documented test plans, testing procedures, and leveraging job aids as needed.
• Manage assigned testing timelines to ensure all tasks and reporting are completed within established time frames.
• Apply regulatory and compliance knowledge to evaluate scenarios, assess risk implications, and inform testing conclusions.
• Assist the Testing Manager in building out new test scripts for previously un‑tested areas, augment existing test scripts to broaden test scope while ensuring alignment with regulatory requirements, policies, and business processes.
• Make principle‑based scoring and risk decisions grounded in policy intent, evidence, and data.
• Assist the Testing Manager in partnering with stakeholders to offer feedback on testing results and ensure the completion of any necessary corrective actions.
• Communicate findings and risk implications to cross‑functional stakeholders.
• Determine when issues can be resolved independently versus escalated to management and proactively engage cross‑functional stakeholders to clarify expectations, resolve issues, and communicate risk implications.
• Support the Testing Manager in monitoring changes to procedures, policies and regulatory requirements to assess their impact on the testing scope and the related test script.
• Collaborate with the Testing Manager to ensure test scripts are comprehensive for identifying and mitigating respective risks effectively.
• Prioritize competing responsibilities based on workload and demands.
• Conduct peer reviews of analyst work to ensure accuracy, consistency, and adherence to testing methodology.
• Provide real‑time feedback, reinforcing best practices and elevating testing quality.
• Serve as a subject matter resource to testing analysts by providing guidance on scenario interpretation, sample methodology, and evaluation.
• Support a culture of accountability, continuous learning, and improvement within the testing team.
• Train analysts on newly designed or revised tests.
• Serve as a subject‑matter expert on complex processes, regulatory frameworks, and testing approaches.
• Mentor analysts to build critical thinking, problem‑solving and communication skills under management’s guidance.
• Undertake ad‑hoc duties as needed to support the Operations and 1
  
  LOD Risk department.

• 5+ years of relevant experience in audit, compliance testing, or other control/transactional reviews.
• Experience in banking and/or fintech industry.