Manager, Business Unit Risk Oversight - Certos

About the Role

At Early Warning, we’ve powered and protected the U.S. financial system for over thirty years with cutting‑edge solutions like Zelle®, Paze℠, and many more. As a trusted name in payments, we partner with thousands of institutions to increase access to financial services and protect transactions for hundreds of millions of consumers and small businesses. Positions located in Scottsdale, San Francisco, Chicago, or New York follow a hybrid work model to allow for a more collaborative working environment.

Candidates must independently possess the eligibility to work in the United States at the date of hire and the position is ineligible for employment Visa sponsorship.

The Business Unit Risk Oversight Manager is responsible for providing independent second‑line oversight of operational risks within Early Warning’s Certos Identity & Payment Risk business, ensuring adherence to the company’s Operational Risk Management (ORM) program. The manager evaluates the effectiveness of risk and control processes across identity verification, fraud detection, payment screening, and data‑sharing through the National Shared Database, while conducting risk assessments, reviewing controls, managing issues, and identifying emerging risks.

The manager partners with business stakeholders to strengthen risk practices without compromising independence, uses data to analyze trends and control gaps, and communicates key risk insights.

• Support operational risk oversight for the specific business unit assigned, including any risk themes relevant to the product assigned.
• Conduct second‑line management activities, including:
  • Risk and control assessments (RCSAs) reviews
  • Product and use case risk reviews
  • Issue management and validation
• Partner with business stakeholders to support effective risk management practices while maintaining independence in oversight activities.
• Provide guidance to business partners on operational risk frameworks, policies, and expectations.
• Monitor risks, controls, and issues across aligned business units to identify trends and emerging risks.
• Leverage data and reporting to support risk analysis, identify control gaps, and inform decision‑making.
• Assist in developing clear and concise communications (written and presented) to summarize risk insights and findings.

• Bachelor’s degree in risk management, Computer Science, Information Systems, Business Administration, Finance, Accounting or related field.
• 8+ years of progressive operational risk management experience, preferably in financial services or other highly regulated industries.
• Working knowledge of operational risk programs (e.g., RCSA, Risk Events, Issue Management, Key Risk Indicators) and risk domains (e.g., product/service delivery, process management, business disruption, third‑party, fraud, and data).
• Demonstrates sound judgment, intellectual curiosity, and attention to detail.
• Organized with solid analytical and problem‑solving capabilities.
• Strong collaboration and interpersonal skills.
• Effective verbal and written communication skills.

• Prior financial institution experience.
• Exposure to independent risk management or second‑line oversight functions.
• Risk management, internal control, or internal audit certification(s).
• Familiarity with data‑driven products, fraud risk, or identity/payment risk solutions.

Work is primarily sedentary in a normal office environment, requiring extensive use of a computer and sitting for periods of approximately four hours. Occasional standing, walking, kneeling, and reaching may be required. The candidate must be able to lift 10 pounds occasionally or exert negligible force frequently and must have adequate visual acuity and dexterity to view, prepare, and manipulate documents and office equipment including personal computers.

Ability to communicate with internal and/or external customers is required. The employee must be able to perform essential functions and physical requirements with or without reasonable accommodation.

Base pay scale:
Phoenix, AZ / Chicago, IL / Washington, DC – $104,000 to $130,000 per…