Principal Risk Analyst

About the job

About MoonPay

MoonPay is for builders with something to prove.

This isn't a "work on cool crypto stuff" company. It's a high-standards, high-velocity, high-accountability company building the operating system for value movement. If the internet moves information, we move value: crypto, stablecoins, tokenized assets, and whatever comes next. Four offerings make that real: fund, tokenize, trade, and spend. 30M+ customers and 500+ ecosystem partners run on us. Licensed in the U.S. Regulated across the UK, EU, Canada, and Australia.

AI is the default operating mode here. It's woven into every role, and we expect you to use it daily. It handles the manual work so you can deliver on what actually matters.

You'll thrive here if outcomes excite you more than process, if impact motivates you more than titles, and if you want hard problems, real ownership, and teammates who love winning, building, and doing it together.

The bar is high. The pace is real. We're building for what's next, for humans and agents.
Recent recognition:

Forbes' America's Best Startup Employers 2026 .
2nd in Crypto Services on Fortune's inaugural Crypto 100
The Sunday Times Best Places to Work two years running
Research has shown that women are less likely than men to apply for this role if they do not have experience in 100% of these areas. Please know that this list is indicative, and that we would still love to hear from you even if you feel that you are only a 75% match. Skills can be learned, diversity cannot.

As a Principal Risk Analyst, you'll identify, measure, and mitigate the risks that come with operating a crypto payments business, including counterparty exposure, liquidity and market risk, and the technical risks unique to blockchain rails. You'll work with Product, Engineering, Compliance, Treasury, and Operations to make sure we can grow quickly without taking risks we don't understand.

What You'll Do

• Review & challenge risk assessment across our payment flows, including on-ramps, off-ramps, card and bank funding, stablecoin settlement, and cross-border transfers.
• Assess and monitor counterparty risk across liquidity providers, exchanges, custodians, banking partners, payment processors, and blockchain infrastructure vendors.
• Evaluate exposure from cross-chain bridges, DEX swaps, and smart contract interactions, including protocol risk, liquidity depth, slippage, and settlement failure.
• Review & challenge risks related to crypto trading, including price slippage, execution latency, and hedging liquidity across venues.
• Work with Treasury on market, liquidity, and FX risk, including hedging strategy, inventory and float management, and stablecoin de-peg scenarios.
• Provide an independent review of new product proposals, collaborating early with Product and Engineering, ensuring all risks are identified and controls are integrated from inception, and recommending approval with or without conditions.
• Review business continuity testing and business impact analyses to ensure operational resilience and preparedness for disruptions.
• Develop, maintain, and evolve the risk framework, with a strong focus on defining and embedding Risk Appetite Statements and Key Risk Indicators (KRIs), alongside risk registers, limits, and escalation procedures.
• Review technology and information security risks across core systems, infrastructure, and third-party integrations to ensure robust safeguards and data protection.
• Prepare risk reporting for senior leadership, the board, auditors, and partners
• Conduct third-party risk assessments and continuous monitoring for critical vendors, service providers, and partners.

What You'll Bring

Experience

• 5-10 years in risk management at a payments company, fintech, exchange, bank, or crypto firm.
• Hands-on experience with credit/counterparty, operational, or market risk in a regulated or high-growth environment.
• Strong quantitative and analytical skills. You are comfortable building dashboards and models from raw data.

Crypto payments knowledge (essential)

• A deep understanding of how crypto payments work end to end: fiat-to-crypto and crypto-to-fiat flows, crypto swaps, stablecoin settlement, merchant and card acquiring,
• Working knowledge of blockchain fundamentals: consensus, finality, confirmations, reorgs, gas and fees, wallets, and key management.

• Understanding of cross-chain bridges and their trust and security models, plus the history of bridge exploits.
• Understanding of swaps, DEXs and AMMs, liquidity pools, slippage, MEV, and aggregator routing.
• Knowledge of hedging approaches in crypto, such as spot, perpetuals, futures, options, and stablecoin basis risk.
• Familiarity with stablecoin mechanics and reserve and de-peg risk, and with smart contract risk and audits.
• Experience with blockchain analytics tools (e.g., Chainalysis, TRM, Elliptic) and on-chain data exploration.

Core skills

• Excellent judgment under uncertainty. You can make a call with incomplete information and explain your reasoning.
• Clear written and verbal communication, including the ability to translate technical risk into business impact for non-specialists.
• A collaborative approach: you can say "no" or "yes, with conditions" without becoming a blocker.

Nice to Have

• A professional risk certification (FRM, PRM, CAMS) or a quantitative degree.
• Experience in DeFi or familiarity with writing or reading simple smart contract logic.
• Prior experience building a risk function at a scaling company.

Research has shown that women are less likely than men to apply for this role if they do not have experience in 100% of these areas. Please know that this list is indicative, and that we would still love to hear from you even if you feel that you are only a 75% match. Skills can be learned, diversity cannot.

Benefits & Perks 💡

• 💰 Competitive salary package
• 🤝 Equity package: financial freedom starts with our employees, so all employees have ownership at MoonPay
• 📈 Pay-for-performance equity bonus: those who drive outsized outcomes receive outsized rewards
• 🚀 Moonshot award: we honor exceptional impact. 20 employees a year, each earning a $250,000 equity grant
• 📊Pension: employer contributions from day one
• 🎁Employee referral program: refer great people, earn 10K in USDC
• 🏝 Flexible Time Off: choose when to work and when to switch off
• 🔋Recharge Period: end-of-year company-wide time off to rest and reset
• 🎂 Birthday leave: take the day off to celebrate you
• 🍼 Enhanced parental leave: more time with family, no second thought
• 🌍 Hybrid working schedule: work fully remotely or from your nearest Moonbase
• 🚆(Netherlands only) Commuter benefits: public transport to and from the office
• 🩺 Private healthcare benefits: to protect you and your loved ones
• 🧘 Wellhub wellness membership: access to gyms, studios, classes, and wellness apps in one membership
• 🤖 Enterprise access to the latest AI tools: Claude, ChatGPT, Gemini and whatever's next
• 🍱 Lunch credit: meals covered on the days you're in the office
• 🪑 Home office setup allowance: build the home office of your dreams
• 👛 Remote working allowance: those working fully remotely get a little extra for utilities
• 🌕 Monthly product budget and zero-fee crypto transactions
• 📚 $1,000 Annual training budget: we support your learning journey
• 🎯 High Potential Program: structured development, mentorship, and stretch opportunities
• ✈️ Regular remote company offsites: high-impact in-person sessions and hackathons
• 🚲 (Ireland only) Cycle to Work scheme: tax-efficient bike, gear, and safety kit
• 🔌 (UK only) EV Salary Sacrifice: lease an electric vehicle through pre-tax salary