First Line Risk Sr Analyst

First Line Senior Risk Analyst – Commercial Banking Monitoring & Testing Charlotte, NC | Hybrid (4 Days Onsite / 1 Remote)
Work Authorization

This role is not eligible for visa sponsorship. Applicants must be authorized to work in the United States without sponsorship, now or in the future.

This role is not eligible for visa sponsorship. Applicants must be authorized to work in the United States without sponsorship, now or in the future.

Citizens is seeking a First Line Senior Risk Analyst to join the Commercial Banking Monitoring & Testing team. This role supports Citizens' Commercial Banking business, including lending, deposit, treasury management, and related client solutions. The successful candidate will help identify, assess, monitor, and strengthen controls supporting commercial banking activities while partnering directly with business stakeholders to manage operational risk. This is a hands-on first-line risk role focused on executing monitoring and testing activities, supporting Risk & Control Self-Assessments (RCSAs), maintaining risk inventories, identifying control weaknesses, and driving issue remediation through closure.

The ideal candidate enjoys working closely with business partners, understands how controls operate within business processes, and takes ownership of risk management activities from identification through resolution.

• Execute control monitoring and testing activities across commercial banking products, processes, and services.
• Assess control design and operating effectiveness and recommend improvements based on testing results and analysis.
• Participate in the development and enhancement of monitoring programs, testing methodologies, and key control metrics.
• Identify opportunities for automated testing, continuous monitoring, and data-driven risk insights.

• Support Risk & Control Self-Assessments (RCSAs), risk inventories, and control inventories.
• Partner with business stakeholders to identify risks, evaluate controls, and strengthen the overall control environment.
• Document risks, controls, testing results, findings, and recommendations.
• Monitor issue remediation efforts and support sustainable issue closure.

• Support exam management activities through the delivery of testing documentation, monitoring results, and risk analysis.
• Maintain awareness of applicable regulatory requirements and internal risk management standards.
• Ensure testing and monitoring activities align with enterprise risk frameworks and business requirements.

• Develop and maintain testing documentation, metric definitions, process flows, and reporting requirements.
• Utilize metrics, data analysis, and visualizations to deliver meaningful insights to business partners, risk leadership, and senior management.
• Partner with team members to identify trends, emerging risks, and opportunities for process improvement.

The ideal candidate has experience executing risk and control activities within a financial services environment, including control monitoring, control testing, issue management, remediation tracking, and RCSA support. Candidates who have worked closely with business stakeholders in Commercial Banking, Lending, Treasury Management, Operations, or similar first-line environments will be particularly successful.

• A proactive ownership mindset
• Strong analytical and problem-solving skills
• Comfort working directly with control owners and business partners
• Ability to manage work through completion and follow issues through remediation and closure

• 3-7 years of relevant experience in risk management, controls, monitoring and testing, audit, compliance, or operational risk within financial services.
• Experience with JIRA
• Experience with Confluence
• Experience assessing controls through monitoring, testing, validation, or related risk management activities.
• Experience supporting issue management, remediation tracking, and risk assessments.
• Strong analytical, problem-solving, and critical-thinking skills.
• Excellent written and verbal communication skills.
• Demonstrated ability to build relationships and collaborate across business, risk, compliance, and audit functions.
• Proficiency with…