Director, Risk & Compliance

Location:

Calgary, Alberta (on-site)

Reports to:

Chief Risk & Compliance Officer (CRO/CCO)

The Director, Risk and Compliance is a middle‑management leadership role based in Calgary, Alberta. Reporting directly to the Chief Risk & Compliance Officer (CRO/CCO) of Digital Commerce Group, the Director supports the management of the Group's Enterprise Risk Management, Regulatory Compliance Management, Operational Risk, Third‑Party Risk Management, and Retail Payment Activities Act (RPAA) compliance programs across Digital Commerce Bank (a federally regulated Schedule I bank), Pateno Payments Inc.,

and Digital Commerce Payments. The position is based on‑site at the Group's head office in Calgary.

The Director is responsible for the day‑to‑day execution of the Group's risk and compliance programs: coordinating regulatory examinations and information requests, supporting internal audit and independent reviews, facilitating risk assessments and compliance monitoring, and maintaining effective risk and compliance reporting.

The Director coordinates the operational delivery of the Group's risk and compliance programs across the following domains:

Acts as the operational coordinator for supervisory engagements across the Group's regulators.

• Serve as the primary coordinator for regulatory examinations, reviews, information requests, and supervisory engagements.
• Coordinate responses to requests from OSFI, FCAC, CDIC, the Bank of Canada, FINTRAC, payment networks, and other applicable authorities.
• Maintain centralized tracking of regulatory requests, findings, commitments, and remediation plans.
• Ensure regulatory responses are complete, accurate, appropriately reviewed, and submitted within required timelines.
• Support the preparation of briefing materials, presentations, and meeting packages for regulatory engagements.

Administers the Group's ERM framework and risk appetite day‑to‑day across the bank and payment entities.

• Coordinate the day‑to‑day administration and implementation of the Group's Enterprise Risk Management Framework.
• Coordinate enterprise‑wide risk assessments, Risk and Control Self‑Assessments (RCSAs), and emerging risk reviews.
• Coordinate the development, monitoring, and reporting of Key Risk Indicators (KRIs) and risk appetite metrics.
• Conduct research and analysis to identify emerging risks, trends, exposures, and mitigation opportunities.
• Coordinate and support the annual ICAAP process and other risk management initiatives.
• Support periodic reviews and updates of risk frameworks, policies, procedures, and related governance documents.

Operates the Group's Regulatory Compliance Management System (RCMS) day‑to‑day.

• Coordinate the day‑to‑day operation and maintenance of the Group's Regulatory Compliance Management System (RCMS).
• Maintain the compliance obligations inventory and ensure regulatory and internal policy requirements are mapped, assessed, monitored, and tested.
• Coordinate and perform compliance monitoring, compliance testing, and policy compliance assessments across the Group.
• Monitor regulatory developments and prepare impact assessments and implementation recommendations.
• Assist with the development, review, and updating of policies, procedures, and compliance documentation.
• Track compliance findings, regulatory commitments, action plans, and remediation activities through to completion.

• Serve as the primary liaison for Internal Audit engagements and independent third‑party reviews.
• Coordinate audit planning, evidence collection, stakeholder interviews, management responses, and remediation activities.
• Support the annual Internal Audit planning process and enterprise risk assessment activities.
• Track audit recommendations, management action plans, and remediation commitments through to timely completion.
• Coordinate independent compliance reviews, effectiveness reviews, regulatory assurance engagements, and other third‑party assessments.

Administers RPAA compliance programs for the…