Risk Management Specialist Jobs in New York
Risk Management Specialist jobs in New York are among the most active in the country, concentrated in financial services, insurance, healthcare, and corporate compliance, with openings at every level from analyst through senior specialist and director. New York City drives the bulk of hiring, with Buffalo and Albany adding meaningful volume, and firms like JPMorgan Chase, Citi, and MetLife maintain large, permanent risk teams across the state. The most in-demand specialties are enterprise risk management, operational risk, and financial regulatory compliance. Find a role that fits below and apply directly.
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The Risk Management Principal for the Spending Account Card Program is responsible for designing, implementing, auditing, and governing the fraud risk management framework for Humana's Spending Account Card Program. You will identify and mitigate fraud, financial, operational, and compliance risks while providing independent oversight of delegated vendors.The Risk Management Principal develops program strategy, policies, audit methodologies, and financial controls that strengthen program integrity and reduce loss exposure. This role balances long-term program development with tactical issue resolution, addressing immediate risks while implementing sustainable solutions to prevent recurrence.
The Risk Management Principal establishes and maintains the counter fraud strategy, governance framework, and financial integrity oversight model for the Spending Account Card Program. You will develop fraud risk policies, procedures, controls, audit programs, and monitoring processes designed to prevent fraud, waste, abuse, and financial loss.
Serving as the primary fraud risk and financial audit resource for the program, you will perform complex financial reviews, vendor audits, control assessments, investigations, and root cause analyses. The Risk Management Principal evaluates financial transactions, cardholder activity, vendor controls, and program expenditures to ensure compliance with contractual, regulatory, and organizational requirements.
You will provide independent oversight of delegated vendors, validating the effectiveness of fraud controls, financial controls, operational processes, and corrective actions. This position identifies control weaknesses, drives remediation efforts, and implements sustainable control improvements.
The Risk Management Principal maintains an understanding of applicable regulatory requirements, industry standards, and contractual obligations affecting spending account card programs. You will research, interpret, and apply regulatory guidance to emerging business issues while providing sound risk-based recommendations and decision support to leadership and business partners.
While responsible for strategic program development, the Risk Management Principal must also address new fraud, operational, and financial risks. You will lead tactical issue management efforts, coordinate investigations and corrective actions while focusing on eliminating causes and preventing future occurrences.
Key Responsibilities
Develop and maintain the counter fraud strategy and operating model for the Spending Account Card Program
Design and implement fraud risk governance, policies, procedures, and controls
Conduct fraud risk assessments and identify emerging threats, vulnerabilities, and control gaps
Perform financial, operational, and fraud-focused audits of program activities and delegated vendors
Validate financial accuracy, reconciliation processes, control effectiveness, and program expenditures
Provide oversight and challenge of delegated vendors' fraud prevention, detection, investigation, and recovery activities
Lead root cause analysis of fraud events, financial losses, process failures, and control breakdowns
Drive corrective actions and sustainable control improvements that reduce future risk
Monitor regulatory developments and conduct regulatory research to support risk-based business decisions
Establish reporting, monitoring, key risk indicators, and performance metrics
Partner with Compliance, Finance, Legal, Enterprise Risk, and Operational leaders to strengthen program integrity
Present audit findings, fraud risks, and strategic recommendations to senior leadership
Support regulatory examinations, audits, and enterprise risk management initiatives
Serve as the primary subject matter expert for fraud risk management related to spending account card products.
Use your skills to make an impact
Required Qualifications
Bachelor's Degree
10+ years of experience in fraud risk management, auditing, investigations, financial integrity, compliance, accounting, or enterprise risk management
Certified Fraud Examiner (CFE)
Experience conducting financial, operational, vendor, or fraud-focused audits
Experience developing policies, controls, governance frameworks, and monitoring programs
Experience overseeing third-party vendors and delegated service providers
Strong knowledge of fraud risk management, financial controls, auditing principles, and root cause analysis
Demonstrated ability to quickly research, interpret, and apply complex regulatory, contractual, and compliance requirements and make sound risk-based recommendations
Proven ability to influence senior leaders and lead complex cross-functional initiatives
Excellent written and verbal communication skills with prior experience presenting to senior leaders
Preferred Qualifications
Certified Public Accountant (CPA)
Master's Degree in Accounting, Finance, Business Administration, Risk Management, Criminal Justice, or related field.
Experience with healthcare payments, supplemental benefits, spending account cards, prepaid card programs, or financial services
Experience supporting Medicare Advantage supplemental benefits and delegated vendor oversight
Certified Internal Auditor (CIA), Certified Anti-Money Laundering Specialist (CAMS), or similar professional designation
Experience leading large-scale remediation and control enhancement initiatives
Experience supporting regulatory audits, examinations, or enterprise risk management programs
Travel: While this is a remote position, occasional travel to Humana's offices for training or meetings may be required.
Scheduled Weekly Hours
Pay Range
The compensation range below reflects a good faith estimate of starting base pay for full time (40 hours per week) employment at the time of posting. The pay range may be higher or lower based on geographic location and individual pay will vary based on demonstrated job related skills, knowledge, experience, education, certifications, etc.$166,700 - $229,200 per year
This job is eligible for a bonus incentive plan. This incentive opportunity is based upon company and/or individual performance.
Description of Benefits
Humana, Inc. and its affiliated subsidiaries (collectively, “Humana”) offers competitive benefits that support whole-person well-being. Associate benefits are designed to encourage personal wellness and smart healthcare decisions for you and your family while also knowing your life extends outside of work. Among our benefits, Humana provides medical, dental and vision benefits, 401(k) retirement savings plan, time off (including paid time off, company and personal holidays, paid parental and caregiver leave), short-term and long-term disability, life insurance and many other opportunities.
About Us
About Humana: Humana Inc. (NYSE: HUM) is a leading U.S. healthcare company. Through our Humana insurance services and our CenterWell healthcare services, we make it easier for the millions of people we serve to achieve their best health – delivering the care and service they need, when they need it. These efforts are leading to a better quality of life for people with Medicare and Medicaid, families, individuals, military service personnel, and communities at large. Learn more about what we offer at Humana.com and at CenterWell.com.
Equal Opportunity Employer
It is the policy of Humana not to discriminate against any employee or applicant for employment because of race, color, religion, sex, sexual orientation, gender identity, national origin, age, marital status, genetic information, disability or protected veteran status. It is also the policy of Humana to take affirmative action, in compliance with Section 503 of the Rehabilitation Act and VEVRAA, to employ and to advance in employment individuals with disability or protected veteran status, and to base all employment decisions only on valid job requirements. This policy shall apply to all employment actions, including but not limited to recruitment, hiring, upgrading, promotion, transfer, demotion, layoff, recall, termination, rates of pay or other forms of compensation and selection for training, including apprenticeship, at all levels of employment.
Become a part of our caring community
The Risk Management Principal for the Spending Account Card Program is responsible for designing, implementing, auditing, and governing the fraud risk management framework for Humana's Spending Account Card Program. You will identify and mitigate fraud, financial, operational, and compliance risks while providing independent oversight of delegated vendors.The Risk Management Principal develops program strategy, policies, audit methodologies, and financial controls that strengthen program integrity and reduce loss exposure. This role balances long-term program development with tactical issue resolution, addressing immediate risks while implementing sustainable solutions to prevent recurrence.
The Risk Management Principal establishes and maintains the counter fraud strategy, governance framework, and financial integrity oversight model for the Spending Account Card Program. You will develop fraud risk policies, procedures, controls, audit programs, and monitoring processes designed to prevent fraud, waste, abuse, and financial loss.
Serving as the primary fraud risk and financial audit resource for the program, you will perform complex financial reviews, vendor audits, control assessments, investigations, and root cause analyses. The Risk Management Principal evaluates financial transactions, cardholder activity, vendor controls, and program expenditures to ensure compliance with contractual, regulatory, and organizational requirements.
You will provide independent oversight of delegated vendors, validating the effectiveness of fraud controls, financial controls, operational processes, and corrective actions. This position identifies control weaknesses, drives remediation efforts, and implements sustainable control improvements.
The Risk Management Principal maintains an understanding of applicable regulatory requirements, industry standards, and contractual obligations affecting spending account card programs. You will research, interpret, and apply regulatory guidance to emerging business issues while providing sound risk-based recommendations and decision support to leadership and business partners.
While responsible for strategic program development, the Risk Management Principal must also address new fraud, operational, and financial risks. You will lead tactical issue management efforts, coordinate investigations and corrective actions while focusing on eliminating causes and preventing future occurrences.
Key Responsibilities
Develop and maintain the counter fraud strategy and operating model for the Spending Account Card Program
Design and implement fraud risk governance, policies, procedures, and controls
Conduct fraud risk assessments and identify emerging threats, vulnerabilities, and control gaps
Perform financial, operational, and fraud-focused audits of program activities and delegated vendors
Validate financial accuracy, reconciliation processes, control effectiveness, and program expenditures
Provide oversight and challenge of delegated vendors' fraud prevention, detection, investigation, and recovery activities
Lead root cause analysis of fraud events, financial losses, process failures, and control breakdowns
Drive corrective actions and sustainable control improvements that reduce future risk
Monitor regulatory developments and conduct regulatory research to support risk-based business decisions
Establish reporting, monitoring, key risk indicators, and performance metrics
Partner with Compliance, Finance, Legal, Enterprise Risk, and Operational leaders to strengthen program integrity
Present audit findings, fraud risks, and strategic recommendations to senior leadership
Support regulatory examinations, audits, and enterprise risk management initiatives
Serve as the primary subject matter expert for fraud risk management related to spending account card products.
Use your skills to make an impact
Required Qualifications
Bachelor's Degree
10+ years of experience in fraud risk management, auditing, investigations, financial integrity, compliance, accounting, or enterprise risk management
Certified Fraud Examiner (CFE)
Experience conducting financial, operational, vendor, or fraud-focused audits
Experience developing policies, controls, governance frameworks, and monitoring programs
Experience overseeing third-party vendors and delegated service providers
Strong knowledge of fraud risk management, financial controls, auditing principles, and root cause analysis
Demonstrated ability to quickly research, interpret, and apply complex regulatory, contractual, and compliance requirements and make sound risk-based recommendations
Proven ability to influence senior leaders and lead complex cross-functional initiatives
Excellent written and verbal communication skills with prior experience presenting to senior leaders
Preferred Qualifications
Certified Public Accountant (CPA)
Master's Degree in Accounting, Finance, Business Administration, Risk Management, Criminal Justice, or related field.
Experience with healthcare payments, supplemental benefits, spending account cards, prepaid card programs, or financial services
Experience supporting Medicare Advantage supplemental benefits and delegated vendor oversight
Certified Internal Auditor (CIA), Certified Anti-Money Laundering Specialist (CAMS), or similar professional designation
Experience leading large-scale remediation and control enhancement initiatives
Experience supporting regulatory audits, examinations, or enterprise risk management programs
Travel: While this is a remote position, occasional travel to Humana's offices for training or meetings may be required.
Scheduled Weekly Hours
Pay Range
The compensation range below reflects a good faith estimate of starting base pay for full time (40 hours per week) employment at the time of posting. The pay range may be higher or lower based on geographic location and individual pay will vary based on demonstrated job related skills, knowledge, experience, education, certifications, etc.$166,700 - $229,200 per year
This job is eligible for a bonus incentive plan. This incentive opportunity is based upon company and/or individual performance.
Description of Benefits
Humana, Inc. and its affiliated subsidiaries (collectively, “Humana”) offers competitive benefits that support whole-person well-being. Associate benefits are designed to encourage personal wellness and smart healthcare decisions for you and your family while also knowing your life extends outside of work. Among our benefits, Humana provides medical, dental and vision benefits, 401(k) retirement savings plan, time off (including paid time off, company and personal holidays, paid parental and caregiver leave), short-term and long-term disability, life insurance and many other opportunities.
About Us
About Humana: Humana Inc. (NYSE: HUM) is a leading U.S. healthcare company. Through our Humana insurance services and our CenterWell healthcare services, we make it easier for the millions of people we serve to achieve their best health – delivering the care and service they need, when they need it. These efforts are leading to a better quality of life for people with Medicare and Medicaid, families, individuals, military service personnel, and communities at large. Learn more about what we offer at Humana.com and at CenterWell.com.
Equal Opportunity Employer
It is the policy of Humana not to discriminate against any employee or applicant for employment because of race, color, religion, sex, sexual orientation, gender identity, national origin, age, marital status, genetic information, disability or protected veteran status. It is also the policy of Humana to take affirmative action, in compliance with Section 503 of the Rehabilitation Act and VEVRAA, to employ and to advance in employment individuals with disability or protected veteran status, and to base all employment decisions only on valid job requirements. This policy shall apply to all employment actions, including but not limited to recruitment, hiring, upgrading, promotion, transfer, demotion, layoff, recall, termination, rates of pay or other forms of compensation and selection for training, including apprenticeship, at all levels of employment.
See All 91 Risk Management Specialist Jobs in New York
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Find JobsRisk Management Specialist Jobs by City in New York
Where New York roles are concentrated, by current openings.
Risk Management Specialist Job Market in New York
A snapshot from current New York openings, updated as new roles post.
Who's Hiring
- JPMorganChase14
- Bank of China5
- Goldman Sachs4
- Citi3
- New York Life3
Top Industries Hiring
- Banking & Financial Services10
- Insurance5
- Investment & Asset Management4
- Technology & Software3
- Education1
What New York Employers Look For
The qualifications that appear most often in risk management specialist jobs across New York.
- Bachelor's degree in finance, business, or a related field required
- Professional certification such as FRM, CRM, or RIMS-CRMP preferred
- Three or more years of experience in risk analysis or compliance
- Proficiency in risk management software and data analysis tools
- Strong knowledge of New York and federal financial regulations
- Excellent written communication skills for regulatory reporting and documentation
Risk Management Specialist Jobs in New York: Frequently Asked Questions
How do you become a risk management specialist in New York?
Most employers in New York require at least a bachelor's degree in finance, business administration, economics, or a related field. There is no single state-issued license for the role, but widely recognized credentials such as the Financial Risk Manager designation from the Global Association of Risk Professionals or the Certified Risk Manager credential carry significant weight with New York employers. Candidates targeting regulated industries like banking or insurance often benefit from familiarity with New York Department of Financial Services requirements.
How much do risk management specialists make in New York?
Risk management specialists in New York earn a median of about $136,830 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $84,550 for the lowest 10% to over $220,260 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire risk management specialists in New York?
Employers hiring risk management specialists in New York right now include JPMorganChase, Bank of China, and Goldman Sachs, based on current listings on Migrate Mate as of August 2026. New York's dense concentration of global banks, insurance carriers, and healthcare systems means demand for risk specialists is consistent year-round across the state.
Which New York cities have the most risk management specialist jobs?
New York, New York State, and Queens are the cities with the most risk management specialist openings in New York. New York City accounts for the largest share by a wide margin due to its concentration of global financial institutions, insurance headquarters, and large corporate compliance departments, while Buffalo and Albany generate steady openings through regional banks, state agencies, and healthcare networks anchored in those markets.
Are there remote risk management specialist jobs in New York?
Yes, and more than many comparable roles, because much of the work involves data analysis, reporting, and policy review that translates well to remote settings. About 58% of risk management specialist openings tied to New York are remote or hybrid as of August 2026, reflecting how desk-based and analytical the role fundamentally is. Operational risk analysis, compliance reporting, and enterprise risk framework work tend to be the functions most commonly offered in remote or hybrid arrangements.
How can I get hired as a risk management specialist in New York with little or no experience?
The most realistic entry path is starting in a risk analyst or compliance associate role at a mid-size New York bank, insurance company, or healthcare system, where structured onboarding programs bring in candidates without direct risk experience. Firms like regional banks regulated by the New York Department of Financial Services and large hospital networks such as those affiliated with NYC Health and Hospitals often hire from adjacent roles in finance, audit, or data analysis. Pursuing the Associate in Risk Management credential while working in a related role accelerates advancement.
Where can I find and apply to risk management specialist jobs in New York?
You can find and apply to risk management specialist jobs in New York on Migrate Mate, which lists current openings across the state updated in real time. Search the listings to see roles that match your experience and location, then apply directly to the ones that fit.
See All 91 Risk Management Specialist Jobs in New York
Find roles in New York that match your experience and apply in just a few clicks.
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