Risk Manager – Digital

• Partner with assigned Consumer and Business Banking Digital business partners, First Line of Defense Risk/Compliance professionals, Risk/Compliance/Audit professionals, and RCA Managers
• Provide independent compliance risk oversight and credible challenge
• Support the development, implementation, and maintenance of an effective compliance risk management framework
• Participate in projects and activities designed to promote compliance with applicable federal, state, and local laws and regulations
• Provide Second Line of Defense oversight of Digital products, services, capabilities, processes, and customer experiences
• Evaluate compliance risks and the effectiveness of First Line risk identification, assessment, monitoring, and mitigation activities
• Identify gaps in processes, systems, controls, or risk management practices and inform appropriate solutions
• Identify, respond to, and escalation compliance risks and issues as appropriate
• Serve as a functional liaison between CBB Digital, First Line Risk Management, Corporate Compliance, and other Lines of Defense
• Provide independent compliance oversight and credible challenge for Digital initiatives, products, platforms, customer journeys, marketing and communications, and changes to existing products and services
• Oversee and challenge compliance risk assessments, change and initiative reviews, issue management, control assessments, regulatory change implementation, and other risk-management activities applicable to Digital
• Apply regulatory expertise covering UDAAP/UDAP, Regulation E, E-SIGN, FCRA, ECOA/Regulation B, CAN-SPAM, TCPA, and other consumer protection requirements applicable to CBB Digital products and services

• Bachelor's degree, or equivalent work experience
• Typically more than eight years of applicable experience
• Considerable knowledge of applicable laws, regulations, financial services, and regulatory trends impacting Digital and Consumer and Business Banking
• Considerable knowledge of consumer protection and compliance risks associated with digital banking products, services, platforms, customer journeys, marketing and communications, and emerging capabilities
• Considerable understanding of CBB Digital operations, products/services, systems, processes, and associated risks and controls
• Thorough knowledge of Risk/Compliance/Audit competencies and the Three Lines of Defense risk management framework
• Demonstrated ability to provide effective independent oversight and credible challenge of First Line risk-management activities
• Experience evaluating compliance risks associated with new products, product changes, digital capabilities, customer experiences, and business initiatives
• Strong analytical, risk assessment, process facilitation, and project management skills
• Ability to identify emerging compliance risks, evaluate the adequacy of mitigating controls, and appropriately escalation significant concerns
• Effective presentation, interpersonal, written, and verbal communication skills
• Effective relationship-building, influencing, and negotiation skills, including the ability to maintain constructive partnerships while preserving 2
  
  LOD independence
• Proficient computer navigation skills using Microsoft Office applications, word processing, spreadsheets, databases, and presentations
• Applicable professional certifications
• Ability to work from a U.S. Bank location three or more days per week
• Ability to comply with U.S. Bank policies and procedures, including the Code of Ethics and Business Conduct and related workplace conduct and safety policies

Demonstrates extensive knowledge of compliance risk management frameworks and consumer protection regulations, with a strong ability to provide independent oversight and challenge risk…