OPT Financial Risk Management Jobs
Financial risk management jobs on OPT are available at banks, asset managers, insurance firms, and consulting practices. Most roles require quantitative skills and often align well with STEM OPT extensions, giving eligible students up to three years of work authorization to build a compliance or risk analytics career in the U.S.
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TRANSACTION BANKING
We aim to build a modern and digital first transaction banking solution to serve our clients. Our business combines the strength, heritage, and expertise of a 150-year-old firm with the agility and entrepreneurial spirit of a tech start-up. Our goal is to deliver a best‑in‑class digital banking experience that empowers clients with a clear, connected view of their business. We make payments simple, secure, and seamless—whether they’re local or global—so moving money across borders feels just as effortless as paying across the street.
THE ROLE & TEAM
As part of TxB’s global first line of defense risk team, you will be involved in supporting TxB’s comprehensive risk management program with a focus on financial crime and other compliance related risks. In this role, you will work closely with senior members of the TxB financial crime risk team to support business advisory, client selection, and governance functions. Key activities will include the execution of complex due diligence on new and existing clients, ongoing engagement with stakeholders to address escalations, monitoring of the client portfolio to identify key changes in risk profiles, as well as contributing to the management of other controls and functions to mitigate financial crime and compliance risks. To execute this function, you will work closely with various stakeholders ranging from TxB business managers to legal and second line of defense compliance personnel. We are looking for an intellectually ambitious individual with excellent communication skills, who takes initiative and ownership of their work, enjoys working collaboratively in a dynamic and constantly evolving environment, and excels at producing high quality and timely deliverables with agency. If that’s you, we would like to hear from you!
Responsibilities
- Support the team to provide risk advisory evaluations on prospective and existing clients based on risk management criteria
- Perform, evaluate and assess adverse media searches on TxB clients
- Maintain knowledge of regulatory/compliance expectations, industry trends and emerging threats/risks
- Execute due diligence routines on clients with elevated financial crime and/or compliance inherent risk or otherwise complex profiles (such as correspondent relationships)
- Collate feedback from internal and external stakeholders to draft due diligence memos/reports on higher risk clients for internal review/signoff
- Execute transactional activity reviews against client expected activity
- Ensure reviews and associated processes are completed in a timely manner through strong organization and project management skills
- Update and maintain documentation for team processes and best practices
- Manage multiple tasks and use sound judgment when prioritizing
- Establish trusted partnerships with peers, functional leads, and executive-level stakeholders across lines of defense
Basic Qualifications
- Bachelor’s Degree plus 1-2 years of professional experience in a financial crime risk management or a compliance role in financial services
- Ability to create professional presentations and communications in written and visual formats such as detailed reports including data analysis and visualizations, policies/procedures, process flows, governance documents, committee minutes, and presentations using PowerPoint
- Ability to be creative, collaborate widely and deliver on key risk objectives in a timely and self-directed manner
- Strong presentation (written and verbal), organizational and interpersonal skills
- Must be comfortable and adaptable in a dynamic and multi-faceted work environment
- Ability to balance both objective and subjective viewpoints when assessing complex risks
- Strong prioritization skills and ability to manage several projects/tasks simultaneously
- Team oriented, energetic, self-directed, and self-motivated
- Professional fluency in the English language
Preferred Qualifications
- 3 plus years of experience in risk management, financial crime advisory, legal and/or compliance
- J.D. or master’s degree in a related field
- Experience drafting financial crime related documents, such as enhanced client due diligence review reports, transaction monitoring investigative reports
- Prior Transaction Banking/Commercial Banking experience
- Experience in payments/with payment rails
- Experience conducting due diligence of correspondent banking relationships
- Client-facing experience in a similar role
About Goldman Sachs
At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world. We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs.
We’re committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process.
© The Goldman Sachs Group, Inc., 2025. All rights reserved. Goldman Sachs is an equal opportunity employer and does not discriminate on the basis of race, color, religion, sex, national origin, age, veterans status, disability, or any other characteristic protected by applicable law.
Job Description
TRANSACTION BANKING
We aim to build a modern and digital first transaction banking solution to serve our clients. Our business combines the strength, heritage, and expertise of a 150-year-old firm with the agility and entrepreneurial spirit of a tech start-up. Our goal is to deliver a best‑in‑class digital banking experience that empowers clients with a clear, connected view of their business. We make payments simple, secure, and seamless—whether they’re local or global—so moving money across borders feels just as effortless as paying across the street.
THE ROLE & TEAM
As part of TxB’s global first line of defense risk team, you will be involved in supporting TxB’s comprehensive risk management program with a focus on financial crime and other compliance related risks. In this role, you will work closely with senior members of the TxB financial crime risk team to support business advisory, client selection, and governance functions. Key activities will include the execution of complex due diligence on new and existing clients, ongoing engagement with stakeholders to address escalations, monitoring of the client portfolio to identify key changes in risk profiles, as well as contributing to the management of other controls and functions to mitigate financial crime and compliance risks. To execute this function, you will work closely with various stakeholders ranging from TxB business managers to legal and second line of defense compliance personnel. We are looking for an intellectually ambitious individual with excellent communication skills, who takes initiative and ownership of their work, enjoys working collaboratively in a dynamic and constantly evolving environment, and excels at producing high quality and timely deliverables with agency. If that’s you, we would like to hear from you!
Responsibilities
- Support the team to provide risk advisory evaluations on prospective and existing clients based on risk management criteria
- Perform, evaluate and assess adverse media searches on TxB clients
- Maintain knowledge of regulatory/compliance expectations, industry trends and emerging threats/risks
- Execute due diligence routines on clients with elevated financial crime and/or compliance inherent risk or otherwise complex profiles (such as correspondent relationships)
- Collate feedback from internal and external stakeholders to draft due diligence memos/reports on higher risk clients for internal review/signoff
- Execute transactional activity reviews against client expected activity
- Ensure reviews and associated processes are completed in a timely manner through strong organization and project management skills
- Update and maintain documentation for team processes and best practices
- Manage multiple tasks and use sound judgment when prioritizing
- Establish trusted partnerships with peers, functional leads, and executive-level stakeholders across lines of defense
Basic Qualifications
- Bachelor’s Degree plus 1-2 years of professional experience in a financial crime risk management or a compliance role in financial services
- Ability to create professional presentations and communications in written and visual formats such as detailed reports including data analysis and visualizations, policies/procedures, process flows, governance documents, committee minutes, and presentations using PowerPoint
- Ability to be creative, collaborate widely and deliver on key risk objectives in a timely and self-directed manner
- Strong presentation (written and verbal), organizational and interpersonal skills
- Must be comfortable and adaptable in a dynamic and multi-faceted work environment
- Ability to balance both objective and subjective viewpoints when assessing complex risks
- Strong prioritization skills and ability to manage several projects/tasks simultaneously
- Team oriented, energetic, self-directed, and self-motivated
- Professional fluency in the English language
Preferred Qualifications
- 3 plus years of experience in risk management, financial crime advisory, legal and/or compliance
- J.D. or master’s degree in a related field
- Experience drafting financial crime related documents, such as enhanced client due diligence review reports, transaction monitoring investigative reports
- Prior Transaction Banking/Commercial Banking experience
- Experience in payments/with payment rails
- Experience conducting due diligence of correspondent banking relationships
- Client-facing experience in a similar role
About Goldman Sachs
At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world. We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs.
We’re committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process.
© The Goldman Sachs Group, Inc., 2025. All rights reserved. Goldman Sachs is an equal opportunity employer and does not discriminate on the basis of race, color, religion, sex, national origin, age, veterans status, disability, or any other characteristic protected by applicable law.
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Get Access To All JobsTips for Finding OPT Sponsorship in Financial Risk Management
Lead with your quantitative credentials
Risk roles are highly technical. Employers screening OPT candidates want to see proficiency in tools like Python, R, or SQL alongside coursework in statistics, econometrics, or financial modeling. Quantify your work wherever possible to stand out from other applicants.
Target STEM-designated programs first
If your degree is in financial engineering, quantitative finance, or a related STEM field, you qualify for a 24-month STEM OPT extension. This gives employers three full years of authorization, which significantly reduces their concern about short-term hiring risk.
Understand your OPT authorization window before applying
Most financial risk roles take 4 to 8 weeks to hire. Apply early enough that your OPT start date aligns with the anticipated offer timeline. Starting post-OPT approval but before your first day requires careful coordination with your DSO.
Emphasize regulatory knowledge that's hard to offshore
Familiarity with U.S. frameworks like Basel III, CCAR stress testing, or SEC reporting requirements signals you can add immediate value. Employers in regulated industries are especially motivated to sponsor candidates who already understand domestic compliance requirements.
Pursue the FRM designation or CFA candidacy
The Financial Risk Manager credential from GARP and the CFA designation are recognized benchmarks in this field. Being an active candidate demonstrates commitment and can differentiate you from equally qualified peers during OPT job searches in competitive markets.
Be transparent about your timeline with hiring managers
Disclose your OPT end date and STEM eligibility early in the process, not after an offer. Employers appreciate transparency, and it allows HR to plan any future H-1B visa sponsorship well in advance of your authorization expiration date.
Financial Risk Management OPT: Frequently Asked Questions
Do financial risk management jobs typically sponsor OPT students?
Many do, particularly at large banks, insurance companies, and risk consulting firms that have established immigration processes. Employers in regulated industries tend to be more comfortable with OPT work authorization because risk and compliance roles are hard to fill. Searching Migrate Mate filters for sponsorship-open positions so you can focus on employers who are already open to hiring OPT students.
Does a financial risk management role qualify for STEM OPT extension?
It depends on your degree, not the job title. If your program is listed on USCIS's STEM designated degree list, such as financial engineering, applied mathematics, statistics, or computational finance, you can apply for the 24-month extension. A general finance or economics degree typically does not qualify, even if your job is highly quantitative. Confirm your program's classification with your DSO before applying.
What should I do if my OPT expires before my H-1B takes effect?
If you filed an H-1B petition before your OPT expired and you're in the cap-gap period, you can continue working lawfully until September 30 of that year, even if your OPT EAD shows an earlier expiration date. If you have a STEM OPT extension in place, the cap-gap protection also applies. Your DSO can provide a revised I-20 reflecting this extended authorization period.
Are financial risk management jobs more available at certain types of employers?
Yes. The highest concentrations of risk roles are at commercial banks, investment banks, insurance carriers, asset management firms, and the consulting practices that serve them. Regulatorily complex industries like healthcare finance and energy trading also hire risk professionals. Boutique firms and fintechs hire too, but may have less infrastructure for OPT and H-1B sponsorship than larger institutions.
Can I work as a contractor or through a staffing agency on OPT for a risk management role?
Yes, but with important restrictions. OPT requires that your work be directly related to your major field of study, and you must be employed for at least 20 hours per week. Staffing arrangements are permissible as long as your day-to-day work is clearly within financial risk management. However, some agencies have less experience navigating OPT documentation requirements, so confirm the agency understands your authorization before accepting a placement.