Business Risk Officer, Sr

Responsibilities

• Build and mature front-line governance and control capabilities across consumer banking, consumer lending, small business banking, consumer servicing, and customer communications.
• Execute and sustain core first-line risk programs, including Issue Management, Incident and Operational Loss Management, Change Initiatives, Risk and Control Self-Assessments (RCSA), control testing, risk metrics, and continuous monitoring.
• Support regulatory examinations, internal audits, and ad hoc risk assessments, ensuring timely issue resolution and remediation.
• Translate complex regulatory and risk concepts across multiple lines of business and operational functions.

Qualifications & Education Requirements

• Bachelor’s or master’s degree in marketing, Business Management, Operations, Finance, or related field.
• 10+ years of experience in financial services risk management, audit, compliance, operations, or marketing-risk roles.
• 5+ years of people leadership preferred.
• Strong understanding of risks associated with consumer banking, lending, servicing, or operations functions and customer communication.
• Exceptional leadership, communication, and relationship management skills.
• Prioritized strategic, analytical thinker with strong execution discipline.
• Highly organized project manager adept at navigating fast-paced environments.
• Innovative, adaptable, and comfortable influencing at senior levels.

Key Accountabilities

• Serve as a risk advisor to business leaders, providing guidance on operational, regulatory, compliance, reputational, and strategic risks.
• Partner with business teams to embed risk management into products, processes, initiatives, and customer experience.
• Support risk-informed decision-making by balancing business objectives with strong control discipline.
• Identify emerging risks across consumer banking/lending/servicing, small business banking/lending/servicing, and mortgage lending/servicing.
• Lead and oversee Issue Management activities, including identification, documentation, remediation planning, execution tracking, and validation.
• Support Operational Loss and Incident Management, including root cause analysis, impact assessment, and control enhancement.
• Ensure timely escalation and communication of issues and incidents to appropriate stakeholders.
• Provide risk oversight for Change Initiatives, including process changes, product enhancements, and strategic initiatives.
• Partner with Technology, Operations, and Business teams to ensure changes are well-controlled and sustainable.
• Lead and support Risk and Control Self-Assessments (RCSA), control design testing, and ongoing control effectiveness monitoring.
• Perform ad hoc risk assessments for new activities, vendor relationships, regulatory changes, or emerging risk scenarios.
• Use influential communication to resolve conflicts and guide teams toward risk-aligned, customer-centric solutions.
• Develop and maintain risk metrics, dashboards, and KRIs to support continuous monitoring.
• Analyze trends, identify emerging risks, and recommend actions to strengthen the control environment.
• Monitor evolving consumer banking/lending/servicing, artificial intelligence, data-privacy, and first-line risk trends.
• Partner with business leaders to mitigate risks surfaced through metrics and oversight activities.
• Lead regulatory examinations and internal audits focused on customer communications, consumer banking governance, UDAAP, fair lending, and brand integrity.
• Career Development: Act as a strong connector between the First Line of Defense, Second Line of Defense (Risk/Compliance), and Third Line of Defense (Audit).
• Drive implementation and execution of First-line risk programs including Third-party Risk, Operational Risk (RCSA), Regulatory Affairs, Business Resiliency, Corporate Governance, and Risk Appetite.