Chief Risk Officer. San Antonio LilyLifestyle

Position: Chief Risk Officer |
Division: Enterprise Risk Mgmt

Work Days: Monday - Friday |
Hours of Operation: 8:00am – 5:00pm

We are one of the largest independently owned banks in Texas with offerings in personal and private banking, wealth management, business banking and mortgage lending.

The Chief Risk Officer (CRO) is a senior executive responsible for the enterprise‑wide leadership, development, and execution of the Bank's risk management framework. This role ensures the effective identification, measurement, monitoring, and mitigation of all key risk categories, including financial, credit, regulatory, legal, operational, and reputational risk. This position leads the Bank's second line of defense and partners closely with executive leadership and the Board of Directors to define and uphold the Bank's risk appetite, strengthen risk culture, and align risk strategies with overall business objectives.

The CRO also provides executive leadership over the bank's Enterprise Risk Management Department including Regulatory Compliance, Bank Secrecy Act (BSA)/Anti‑Money Laundering (AML), Fraud, Business Continuity Planning (BCP), and the Governance Risk and Compliance (GRC) framework, ensuring adherence to all applicable laws, regulations, and industry standards.

• Lead the design, implementation, maintenance, and continuous enhancement of the Bank's Enterprise Risk Management (ERM) framework to identify and manage risk and to ensure alignment with strategic goals, business needs, and regulatory expectations and requirements.
• Partner with executive leadership and the Board to define, communicate, and operationalize the Bank's risk appetite and risk tolerance levels.
• Develop, implement, and maintain risk management policies, procedures, limits, and governance structures across all lines of business.
• Provide comprehensive and timely reporting to senior management and the Board on risk exposures, trends, and emerging risks.
• Serve as a primary liaison with regulatory agencies and external auditors, ensuring transparent communication and successful examination outcomes.
• Oversee and direct the Bank's Enterprise Risk Management Department, including Regulatory Compliance, Bank Secrecy Act (BSA)/Anti‑Money Laundering (AML), Fraud, Business Continuity Planning (BCP), and the Governance Risk and Compliance (GRC) framework.
• Provide oversight of the lending portfolio, working with the Chief Credit Officer to ensure sound underwriting standards, concentration risk monitoring, and stress testing protocols.
• Work closely with the Chief Procurement Officer to monitor and maintain a sound third‑party risk management program.
• Manage the bank's GRC solution by integrating technology with a strong risk‑aware culture focusing on regulatory compliance and operational resilience.
• Map risks to controls, leveraging automation for real‑time monitoring and fostering cross‑functional collaboration across the organization.
• Identify critical assets and align the GRC framework with the bank's risk appetite.
• Provide independent challenge and risk management perspectives in the evaluation of new products and services or significant changes in existing products and services and provide guidance on appropriate controls.
• Lead enterprise‑wide risk assessments, scenario analysis, and stress testing to proactively identify and mitigate potential risks.
• Perform comprehensive risk assessments to identify new risks (e.g., cybersecurity, fraud) and prioritize them.
• Regularly review controls to identify gaps and update the GRC system to adapt to evolving regulatory requirements.
• Evaluate the use of Artificial Intelligence (AI) and other technologies to identify risks and manage risks related to AI implementation.
• Develop and maintain an appropriate Model Risk Management program.
• Build the ability to withstand disruptions such as cyberattacks and economic shocks.
• Lead risk‑related crisis management.
• Utilize appropriate resources to monitor macro and micro economic factors that can impact risk assessments.
• Lead the Bank's Business Continuity and Pandemic Planning programs, including business impact analyses,…