Chief Risk Officer, Risk Manager – Payment Services, Consumer & Small Business Credit Cards

• Partners with their assigned Line of Business, other Risk/Compliance/Audit (RCA) professionals, and RCA Managers to, depending on their function, create, implement, maintain, review or oversee an effective risk management framework.
• Participates in projects and/or activities that ensure compliance with applicable federal, state, and local laws and regulations.
• Identifies gaps and inform solutions that minimize losses resulting from inadequate internal processes, systems or human errors.
• Identifies, responds and/or escalates risks as appropriate.
• Serves as a functional liaison between the Line of Business and the Lines of Defense.

• Typically more than eight years of applicable experience.
• Bachelor's degree, or equivalent work experience.
• Considerable knowledge of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of business.
• Considerable understanding of the business line’s operations, products/services, systems, and associated risks/controls.
• Thorough knowledge of Risk/Compliance/Audit competencies.
• Strong analytical, process facilitation and project management skills.
• Effective presentation, interpersonal, written and verbal communication skills.
• Effective relationship building and negotiation skills.
• Proficient computer navigation skills using a variety of software packages, including Microsoft Office applications and word processing, spreadsheets, databases, and presentations.
• Applicable professional certifications.

Demonstrates extensive experience in risk management frameworks, compliance with laws and regulations, and effective communication and relationship-building skills. Proficient in analyzing risks and implementing solutions to enhance operational efficiency within the financial services sector.

• Risk Management Framework
• Compliance Knowledge
• Analytical Skills
• Project Management
• Interpersonal Communication

• Risk/Compliance/Audit Competencies
• Process Facilitation
• Financial Services Knowledge
• Operational Risk Analysis
• Regulatory Trends Understanding

• Effective Presentation Skills
• Relationship Building
• Negotiation Skills

• Applicable Professional Certifications

• Federal Regulations
• State Regulations
• Local Laws
• Risk Identification
• Internal Processes

• Microsoft Office Applications
• Word Processing
• Spreadsheets
• Databases
• Presentation Software