Chief Risk Officer

County National Bank (CNB) is an independent, locally owned, community bank that is successful and growing whose mission is to "sustain its deep commitment to the community and its traditions of excellence in all aspects of banking and provide outstanding client service and solid financial performance."

We invite you to share in our mission and vision as a community banker, making a difference in your community while experiencing excellent benefits and career opportunities.

CNB is looking for a qualified, motivated, and client- and team-focused individual to join our team as a Chief Risk Officer. This position will be ON-SITE within our Hillsdale, Jackson or Lenawee Markets and will have the opportunity for occasional remote work as appropriate.

The Chief Risk Officer is responsible for developing and maintaining a comprehensive process of identifying, assessing, reducing, monitoring, controlling and reporting key business risks that might impair the achievement of the Corporation’s goals and objectives. As the Enterprise Risk Management (ERM) leader, the Chief Risk Officer facilitates the execution of ERM processes and infrastructure as a key enabler to achieving the business objectives of the Corporation.

The Chief Risk Officer functionally reports to the Audit Committee and the Board of Directors and operationally to the CEO of the Corporation.

• Assists the Board and Senior Management in establishing and communicating the Corporation’s ERM objectives and direction.
• Assists management with integrating risk management with the strategy development process.
• Assists the CEO and Senior Management in developing and communicating risk management policies, risk appetite and risk limits.
• in developing risk mitigation strategies for the Corporation’s critical risks and for monitoring these risks.
• Establishes, communicates and facilitates the use of appropriate ERM methodologies, tools and techniques.
• Ensures effective alignment between the ERM process, Compliance and Internal Audit.
• Participates in monitoring risk in the Corporation’s ERM risk categories, with an emphasis on Credit and Market Risk.
• Leads the internal audit function, including development of the plan, preparation of reports and monitoring of the implementation of recommendations.
• Leads the FDICIA internal control activities, including identifying internal controls, verifying the documenting of those controls and ensuring appropriate testing and reporting is completed.
• Oversees the compliance function, including development of the compliance program, monitoring of compliance risks and reporting.
• Oversees the BSA/AML function, including compliance with all regulatory requirements and monitoring of this program.
• Oversees the physical security function, including development and monitoring of this program.
• Oversees the information security program (maintains and protects confidentiality of client and bank information) including development and monitoring of this program and the development and monitoring of the business continuity and disaster recovery programs.
• Conducts risk management education and training as necessary.
• Serves as point of contact for external audit firms and examination staff, in collaboration with the Internal Auditor.
• Works as a liaison with the Bank’s OCC regulators and ensures requested documentation is obtained and uploaded.
• Maintains regular, on-time attendance.
• Remains current in assigned training and continuing education for designation retention (online, video, in-house emails, telephone seminars, etc.)
• Complies with all regulatory requirements specific to their position.
• Performs other various duties as assigned.

• Communicates on a regular basis with the Audit Committee, Board and members of management to offer advice and opinions concerning laws, regulations, internal controls, policies, or procedures.
• Communicates on a regular basis with staff members to acquire needed information to complete ERM, FDICIA and audit procedures.

• Communicates on a regular basis with external auditors, examiners, correspondent banks, and other bank related agencies and…