Citizens
First Line Risk Sr Manager - Consumer Deposits & Lending Servicing
Citizens, Johnston, Rhode Island, us, 02919
Overview
Join to apply for the
First Line Risk Sr Manager - Consumer Deposits & Lending Servicing
role at
Citizens . At Citizens, we’re more than a bank and as a part of our team you’re made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself. Position : First Line Risk Senior Manager for the Consumer Deposits & Lending Servicing business. You will represent the First Line of Defense to identify, analyze, and mitigate potential risks within the business lines’ risk and controls environment. This includes assessment of the likelihood and impact of a risk event and understanding the bank’s risk appetite. You will serve as a trusted risk advisor, interfacing with business partners to drive meaningful identification and mitigation of risk. You will provide and direct complex analysis of business processes and strategies to establish mitigating controls, risk thresholds, and continuously monitor the business’ control environment. This role will be responsible for proactively reviewing, analyzing, and identifying new and emerging risks in the business, escalating to the Risk Director as appropriate. You will promote a culture of risk awareness and accountability through training, education, and risk management consultative support. You will work with the Risk Director/Sr. Director to adhere to internal governance processes and controls for new risk strategies and provide suggestions for remediation. You will participate in change control efforts within the business line to ensure impacts are appropriately assessed, documented, and implemented. You will work closely with Second and Third Line of Defense partners to ensure they have transparency to the state of risk within the business, inclusive of risk related to applicable state and/or federal regulatory requirements. Responsibilities
Identify, analyze, and mitigate risks within the Consumer Deposits & Lending Servicing business lines Assess likelihood and impact of risk events and align with the bank’s risk appetite Provide risk advisory to business partners and drive risk identification and mitigation Conduct complex analyses of business processes and strategies to establish mitigating controls and risk thresholds Continuously monitor the control environment and escalate emerging risks to leadership Participate in governance and change control processes for new risk strategies Collaborate with Second and Third Line of Defense to ensure transparency of risk and regulatory compliance Qualifications
Strong knowledge of risk management principles across operational, financial, compliance, and reputational risk; familiarity with OCC Heightened Standards Regulatory knowledge: FRB, OCC, CFPB and consumer protection regulations related to lending and deposit products Risk assessment skills: ability to manage risk assessments, implement controls, and maintain risk inventories Relationship-building: ability to develop internal and external partnerships for risk advisory and industry awareness Problem-solving: ability to identify and resolve risk-related issues Financial industry experience: experience in banking or financial services at a nationally chartered institution is desirable Education: BS in Science – Accounting, Finance, or Business Administration; MBA a plus Experience: 5-8 years in Audit, Risk Management, or Compliance related roles Preferred certifications: CIA, CRP, CRCM 6-8 years experience in Risk Management, Audit, or Compliance Experience implementing and supporting enterprise-wide Risk programs Experience with Governance, Risk Management, and Compliance (GRC) platforms Knowledge of regulatory and legislative guidelines Interpersonal skills and ability to facilitate teams Proven leadership and ability to work in a fast-paced environment Strong written and verbal communication skills Education
Bachelor’s Degree or equivalent work experience Hours and Work Schedule
Hours: 40 per week; Schedule: Monday–Friday; In-office requirement: at least 4 days in the office Compensation and Benefits
The salary range for this position is $112,000–$125,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on location, skills, and experience. We offer competitive pay, comprehensive medical, dental, and vision coverage, retirement benefits, paid time off, flexible work arrangements, education reimbursement, wellness programs, and more. For an overview of benefits, visit https://jobs.citizensbank.com/benefits. Equal Employment Opportunity Citizens provides equal employment and advancement opportunities to all colleagues and applicants without regard to age, ancestry, color, citizenship, disability, ethnicity, gender, gender identity or expression, genetic information, marital status, or any other protected status. Employment decisions are based on merit, qualifications, performance, and capability. Why Work for Us At Citizens, you’ll find a customer-centric culture with opportunities to learn, grow, and contribute to local communities.
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Join to apply for the
First Line Risk Sr Manager - Consumer Deposits & Lending Servicing
role at
Citizens . At Citizens, we’re more than a bank and as a part of our team you’re made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself. Position : First Line Risk Senior Manager for the Consumer Deposits & Lending Servicing business. You will represent the First Line of Defense to identify, analyze, and mitigate potential risks within the business lines’ risk and controls environment. This includes assessment of the likelihood and impact of a risk event and understanding the bank’s risk appetite. You will serve as a trusted risk advisor, interfacing with business partners to drive meaningful identification and mitigation of risk. You will provide and direct complex analysis of business processes and strategies to establish mitigating controls, risk thresholds, and continuously monitor the business’ control environment. This role will be responsible for proactively reviewing, analyzing, and identifying new and emerging risks in the business, escalating to the Risk Director as appropriate. You will promote a culture of risk awareness and accountability through training, education, and risk management consultative support. You will work with the Risk Director/Sr. Director to adhere to internal governance processes and controls for new risk strategies and provide suggestions for remediation. You will participate in change control efforts within the business line to ensure impacts are appropriately assessed, documented, and implemented. You will work closely with Second and Third Line of Defense partners to ensure they have transparency to the state of risk within the business, inclusive of risk related to applicable state and/or federal regulatory requirements. Responsibilities
Identify, analyze, and mitigate risks within the Consumer Deposits & Lending Servicing business lines Assess likelihood and impact of risk events and align with the bank’s risk appetite Provide risk advisory to business partners and drive risk identification and mitigation Conduct complex analyses of business processes and strategies to establish mitigating controls and risk thresholds Continuously monitor the control environment and escalate emerging risks to leadership Participate in governance and change control processes for new risk strategies Collaborate with Second and Third Line of Defense to ensure transparency of risk and regulatory compliance Qualifications
Strong knowledge of risk management principles across operational, financial, compliance, and reputational risk; familiarity with OCC Heightened Standards Regulatory knowledge: FRB, OCC, CFPB and consumer protection regulations related to lending and deposit products Risk assessment skills: ability to manage risk assessments, implement controls, and maintain risk inventories Relationship-building: ability to develop internal and external partnerships for risk advisory and industry awareness Problem-solving: ability to identify and resolve risk-related issues Financial industry experience: experience in banking or financial services at a nationally chartered institution is desirable Education: BS in Science – Accounting, Finance, or Business Administration; MBA a plus Experience: 5-8 years in Audit, Risk Management, or Compliance related roles Preferred certifications: CIA, CRP, CRCM 6-8 years experience in Risk Management, Audit, or Compliance Experience implementing and supporting enterprise-wide Risk programs Experience with Governance, Risk Management, and Compliance (GRC) platforms Knowledge of regulatory and legislative guidelines Interpersonal skills and ability to facilitate teams Proven leadership and ability to work in a fast-paced environment Strong written and verbal communication skills Education
Bachelor’s Degree or equivalent work experience Hours and Work Schedule
Hours: 40 per week; Schedule: Monday–Friday; In-office requirement: at least 4 days in the office Compensation and Benefits
The salary range for this position is $112,000–$125,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on location, skills, and experience. We offer competitive pay, comprehensive medical, dental, and vision coverage, retirement benefits, paid time off, flexible work arrangements, education reimbursement, wellness programs, and more. For an overview of benefits, visit https://jobs.citizensbank.com/benefits. Equal Employment Opportunity Citizens provides equal employment and advancement opportunities to all colleagues and applicants without regard to age, ancestry, color, citizenship, disability, ethnicity, gender, gender identity or expression, genetic information, marital status, or any other protected status. Employment decisions are based on merit, qualifications, performance, and capability. Why Work for Us At Citizens, you’ll find a customer-centric culture with opportunities to learn, grow, and contribute to local communities.
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