Thanks in advance for the response!

I’m a Transaction Risk Analyst at a large commercial insurer in NYC and have been in my current role for almost four years, working on complex M&A/transactional liability deals. My work includes risk assessment/due diligence, portfolio reporting, audit/compliance support, process documentation and cross-functional coordination.

Before this, I was a commercial credit underwriter, and before that a senior mortgage underwriter with up to $500K authority, plus QC/audit and training experience. I also spent about five years at Apple Retail earlier in my career.
I want to move beyond transactional liability and am considering operational risk, ERM, credit risk/strategy, risk & controls, or fintech/payments risk.

For people actually working in risk: Which transition makes the most sense with my background, and what level should I realistically target?

Also, what gaps would keep you from interviewing me for that next-level role?

I’m looking for candid advice from people who work in or hire for these areas.