Third-Party Oversight Analyst

Job Summary

The Oversight Analyst plays a key role in maintaining and enhancing the integrity of the bank’s risk and compliance management for external vendors and partners. Reporting to the Third-Party Oversight & Treasury Management Manager, this role is responsible for developing and executing ongoing control monitoring across bank partnerships involving digital assets, Banking-as-a-Service (BaaS), payments, and other third-party relationships. Responsibilities include ensuring operational consistency with contractual agreements, regulatory expectations, and internal risk management standards.

Job Duties

• Oversight & Risk Monitoring
  • Support the design and execution of post-implementation oversight strategies for banking partners post onboarding. 
  • Create, document, and maintain control monitoring frameworks tailored to each partnership based on contractual obligations.
  • Identify operational and compliance gaps and escalate concerns based on risk thresholds and frequency.
  • Coordinate with internal stakeholders (e.g., Compliance, Treasury, Specialty Banking) to ensure cross-functional adherence to oversight protocols.
  • Demonstrated ability to apply fintech partnership oversight standards and regulatory expectations across the full lifecycle, ensuring due diligence, ongoing monitoring, and documentation practices align with evolving compliance and risk management requirements.
• Daily Tasks
  • Review daily partner data submissions and reporting metrics.
  • Validate activity against agreed contractual KPIs and operational standards.
  • Track and document exceptions, escalations, and real-time compliance indicators.
  • Maintain a daily control checklist to ensure proper execution of oversight items.
• Weekly Tasks
  • Conduct data validation reviews and internal reconciliations.
  • Prepare weekly performance reports highlighting trends, gaps, or concerns.
  • Attend and document weekly meetings with internal stakeholders or external partners as needed.
  • Monitor action items and ensure follow-through on pending issues or escalated items.
• Monthly Tasks
  • Conduct comprehensive monthly audits of partner performance.
  • Assist with the preparation of monthly oversight summaries and reporting packages for leadership.
  • Recommend improvements to oversight procedures and controls based on partner performance data.
  • Partner with other departments to ensure cross-impacting controls are implemented and executed consistently.
  • Support audit-readiness by preparing documentation and compliance evidence.
• Control Design & Management
  • Define and implement tailored control environments per partner based on contractual requirements and product/service complexity.
  • Distinguish between standard and custom controls based on risk exposure and service model.
  • Collaborate with the Oversight Manager to ensure controls align with broader third-party governance strategies.
  • Ensure oversight design accommodates partner-specific nuances while maintaining regulatory soundness.
  • Adheres to all Federal and State laws and regulations, including the Bank Secrecy Act.
  • All other duties as assigned.

Essential Functions

• Must be able to perform the essential functions of this position with or without reasonable accommodation.

Qualifications

• Education
  • High School Diploma or equivalent required.
• Experience
  • 2-5 years of experience in banking operations, compliance support, internal audit assistance, QA or vendor documentation tracking.
  • Experience in Fintech partnership relationship management is preferred.
  • Project management experience is preferred.
• Skills
  • Highly self-motivated with the ability to work independently, prioritize tasks, and drive work to completion with minimal supervision.
  • Ability to build and maintain positive relationships with third-party partners (phone and email communication are required).
  • Proven ability to build, track, and report on control metrics and compliance monitoring.
  • Excellent interpersonal, written, and verbal communication skills.
  • Highly organized and capable of managing multiple oversight plans simultaneously.
  • Experience working with proprietary platforms/software.
  • Experience collaborating across departments in highly regulated environments.
  • Familiar with anti-money laundering laws, vendor and FinTech partner risk reviews, and detecting financial crime.

Supervised by

• Third Party Oversight and Treasury Operations Manager

Supervises

• None

Dart Bank is a community bank, serving our community since 1925.  We specialize in providing financial services, but we are passionate about serving the community and building real relationships with people. Dart Bank provides innovative financial services for both personal and business banking, consumer and mortgage loans, commercial loans and lines of credit, merchant credit card processing, investment services and more. Our array of products and services and our longstanding history within our communities shows we care about what matters most for our customers and we are there for them for the most important times in their lives.  Dart Bank. For What Matters Most.

We offer: 

• Medical Benefits
• Dental
• Vision
• 401(K) Employee Stock Ownership Plan
• Paid vacation & sick time
• Flexible scheduling
• Employee Assistance Program
• Dart Bank University 

At Dart Bank you can expect to be surrounded by a team that will support you and invest in your growth in a quick-paced work environment where we deliver exceptional customer service.  We are a local business that cares about our employees and our community. 

Dart Bank is committed to providing equal opportunity in employment, maintaining a diverse workforce, and prohibiting all forms of unlawful discrimination and harassment.

All employment decisions, policies, and practices, in terms of the recruitment process and other conditions and privileges of employment, will comply with applicable federal, state, and local anti-discrimination laws.  The Company seeks, employs, promotes, and compensates qualified individuals based on ability, as demonstrated by performance and other legitimate nondiscriminatory factors, without regard to race, color, religion, national origin, citizenship, ancestry, sex (including sexual orientation, gender expression, and gender identity), age, physical or mental disability, pregnancy, genetic information, military status, veteran status, or any other protected status under federal, state (in Michigan: marital status, familial status, height, weight, and misdemeanor arrest record), or local law (individually and collectively, “Protected Class”).  This employer participates in E Verify and will provide the federal government with your Form I 9 information to confirm that you are authorized to work in the United States. If E Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so that you can begin to resolve the issue before this employer can take any action against you, including terminating your employment. This employer can only use E Verify once you have accepted a job offer and completed Form I 9.