• Support high-impact interviews and workshops with Executives, IT, and Business Stakeholders to uncover root-cause problems and define project vision, scope, and success metrics. • Understand enterprise business strategy and align solutions to clear business outcomes. • Map “As-Is” and “To-Be” value streams and business processes. • Identify bottlenecks and automation/AI opportunities, distinguishing full automation from human-augmented workflows. • Quantify benefits (cycle time, error reduction, capacity, CSAT) to support prioritization. • Elicit, analyze, and document functional and non-functional requirements, user stories, and acceptance criteria, including for AI/ML and GenAI features. • Capture business rules, decision logic, and user journeys. • Define data requirements (sources, quality, latency, privacy constraints). • Specify model behavior, guardrails, and human-in-the-loop interactions. • Address non-functional needs (performance, explainability, auditability, SLAs). • Navigate complex organizational hierarchies and goals to build consensus. • Support experimentation and rollout (PoCs, pilots), including test design, feedback loops, training, SOP updates, and communications. • Partner with architects and developers to ensure designs meet business needs and oversee User Acceptance Testing (UAT). • Own the quality and readiness of BA deliverables and coach project team members. • Drive project outcomes by keeping alignment between business objectives, implementation, and success metrics. • Use Generative AI tools (e.g., Claude, Glean, agents) to accelerate analysis, documentation, and solution design—letting the tech do the heavy lifting while you validate outputs, synthesize themes, and recommend future states. • Establish, grow, and maintain strong customer relationships as a trusted advisor.

• Lead the data and systems analysis activities within the project, identifying the business and technical requirements and acceptance criteria • Conduct data analysis activities to identify detailed requirements including business transformation mappings • Create technical User Stories, including task breakdown and be able to explain them to the technical delivery team • Work with the Solution Architect to develop and document detailed User Stories for the project backlog – you will need to validate that the solution will meet the business requirements • Work with the data consumers and internal teams to create specifications including detailed data definitions & mappings • Take the lead on running workshops and data supplier engagement • Formalise the results of data and systems analysis into structured documentation and obtain approval from the key stakeholders • Form strong business relationships with suppliers and consumers of data • Build out patterns and processes that can be repeated • Manage the project backlog in Jira • Be part of the technical Agile scrum team – actively contributing to other activities including testing and validation of the end results

• Gather, analyze, and document requirements for backend integrations • Work with engineering teams to design and support API integrations between systems • Translate business needs into functional requirements, user stories, and acceptance criteria • Design and maintain end-to-end workflow and integration diagrams • Collaborate with engineering, QA, and product teams to align on scope and delivery priorities • Identify and help resolve cross-team dependencies, risks, and blockers • Contribute to roadmap planning and refinement; participate in Agile ceremonies with the team • Communicate status, risks, and key decisions to ensure smooth delivery

Title: Senior Business Risk Management Analyst Location: United States Job Description: Requisition number: 2364510 Job category: Banking & Financial Services Overtime status: Exempt Travel: No Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start Caring. Connecting. Growing together. We seek a Sr Business Risk Management Analyst who is responsible for leading and conducting medium to large-scale risk review engagements to support execution of the Optum Bank Risk Review plan. This role reports to the Director, Bank Risk Review and works directly with operations, vendor, credit, credit operations, finance/accounting, insurance, treasury investments, fraud and affiliate management teams. Key internal and external stakeholders also include Optum Bank leadership and regulatory offices. You'll enjoy the flexibility to work remotely* from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week. Primary Responsibilities: - Conduct large-scale to medium risk reviews across key business units within the Bank including scoping, fieldwork, testing/validation and assessment report preparation/issuance to help identify control gaps across enterprise risk management and operational control environments, new/emerging risks and mitigate known risks associated with key functions such as but not limited to operations, underwriting, actuarial, finance/accounting, financial reporting, investments, insurance, treasury, etc. - Effectively communicate risk review outcomes and recommendations and works collaboratively with key stakeholders to develop action plans based on findings to help reduce/mitigate future risk; tracks and validates the completion of action plans and closure of issues identified during reviews - Develop/deploy detailed review reports and customized reports/presentations as needed - Provides advisory support for refining/enhancing risk mitigating controls across the Bank enterprise risk and operational control environment based on risk review findings - Completes periodic monitoring / risk assessments to identify business risks and emerging risks and proposes updates to the risk review plan when necessary - Supports the Director with the preparation of management reports and regulatory presentations - Develop/update review workpapers used to complete risk reviews - Perform walkthroughs of risk management processes/controls with process owners - Participate in the preparation of reports summarizing conclusions, findings and corrective action plans for business owners and senior management - Provide effective challenge to existing risk management methodologies, policies and procedures - Participate in the management of follow up corrective action plans - Assist in documentation development and updates of Risk Review policies and procedures - Develop and maintain collaborative working relationships with key stakeholders You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in. Required Qualifications: - Bachelor's degree in Finance, Accounting, Economics, Business or related field - 3+ years of experience working in a bank or other financial institution with duties focused on risk reviews, process reviews/audits, internal audit, risk management, and/or bank balance sheet management - 3+ years of experience working with bank risk management regulatory guidelines - 3+ years of experience with a functional background in finance and accounting - 3+ years of risk review work experience - Experience working in healthcare finance and/or with healthcare deposits (e.g. HSAs, MSAs, etc.) and/or Notional product offerings (e.g. FSAs, HRAs, RRAs, etc.), commercial & hospital payment systems - Willing or ability to travel up to 10% Preferred Qualifications: - CPA designation - Experience performing internal audit/credit reviews in a banking or financial services environment - Experience in working with the Optum Bank product portfolio offerings (e.g. HSAs, FSAs, HRAs, MSAs, COBRA, transit, payments/providers/payer solutions, etc.), as well as asset product portfolio offerings (e.g. commercial and consumer credit & lending including commercial real estate, and investments), as well as risk control areas including Financing/Accounting, Fraud and Cybersecurity - Experience providing audit/consulting work for regulated banks - Bank regulatory experience or experience in assisting with regulatory examinations - Advanced proficiency in developing/deploying detailed assessment data reports using programs such as Power BI, Power Query, Power Pivot, Excel, macros/VBA, MS Access, etc. - Prior exposure to loss forecasting, balance sheet and liquidity models - Understanding of hospital, healthcare, insurance and banking legal and regulatory requirements associated with the FinTech, banking, finance/accounting or relevant highly regulated sectors (e.g. Internal Revenue Service, Department of Health and Human Services, CMS, HIPAA, Gramm-Leach Bliley, FDIC, FINRA, CFPB, etc.) - Experience using or proficiency of assessment or findings tracking tools (e.g. e-GRC, Paisley, Nexidia, Service Now, Salesforce, etc.) - Experience providing advisory services/consulting or guidance to auditors or assessment teams conducting control testing/validation to help mitigate risk *All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy. Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $72,800 to $130,000 annually based on full-time employment. We comply with all minimum wage laws as applicable. Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants. At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission. UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations. UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment.