The cloud-native innovation which the fintech sector embarks on, is a new avenue for growth and scalability but poses some extreme risks at the same time. The paper that follows explains both holistic risk management tactics for cloud-native fintech apps and security, compliance, and operational resilience challenges. Case Studies and best practices are used to showcase successes in the practical applications of the policies and also to provide lessons learnt from which industry leaders can learn. As a result, it also helps in analysing emerging trends including AI and serverless computing, and the relation between those trends and risk management. Through the implementation of proper risk management strategies and embracing viable cloud-native technologies, fintech firms can gain potential while still maintaining the level of trust among customers, the regulatory environment and a lasting success in the dynamic digital world.