We are seeking an experienced first-line risk leader to join our Consumer, Commercial and Shared Services (CCSS) Business Risk Team as the Community Banking Business Risk Officer (BRO) with a dedicated focus on Community Banking, Operations, and Strategic Business Partnership support. The ideal candidate will bring deep expertise across Treasury Management, Payments, Lending, Fulfillment, Operations, and/or Servicing, with proven experience implementing first-line risk and control programs within large financial institutions. Experience partnering closely with Consumer Banking/Lending/Servicing, Small Business Banking/Lending/Servicing, Mortgage Lending/Servicing, and Customer Experience teams is strongly preferred.

In this role, you will build and mature front-line governance and control capabilities across consumer banking, consumer lending, small business banking, consumer servicing, and customer communications. This role is responsible for executing and sustaining core firstline risk programs, including Issue Management, Incident and Operational Loss Management, Change Initiatives, Risk and Control SelfAssessments (RCSA), control testing, risk metrics, and continuous monitoring. The role also supports regulatory examinations, internal audits, and ad hoc risk assessments, ensuring timely issue resolution and remediation. Success requires outstanding collaboration, influencing skills, and the ability to translate complex risk concepts into actionable business guidance.

Success in this role requires strong communication, influencing, and relationshipbuilding skills, as the Business Risk Officer serves as a key liaison between the First Line of Defense, Second Line of Defense (Risk and Compliance), and Third Line of Defense (Audit). The ideal candidate can translate complex regulatory and risk concepts across multiple lines of business and operational functions.

Salary Range

The annual salary range for this position is $81,700-$165,100 plus incentive bonus. The base salary indicated for this position reflects the compensation range applicable to all levels of the role across the United States. Actual salary offers within this range may vary based on a number of factors, including the specific responsibilities of the position, the candidates relevant skills and professional experience, educational qualifications, and geographic location.

Key Accountabilities

First Line Risk Advisory & Governance

• Serve as a risk advisor to business leaders, providing guidance on operational, regulatory, compliance, reputational, and strategic risks.
• Partner with business teams to embed risk management into products, processes, initiatives, and customer experience.
• Support riskinformed decisionmaking by balancing business objectives with strong control discipline.
• Identify emerging risks across consumer banking/lending/servicing, small business banking/lending/servicing, and mortgage lending/servicing.

Issue & Incident Management

• Lead and oversee Issue Management activities, including identification, documentation, remediation planning, execution tracking, and validation.
• Support Operational Loss and Incident Management, including root cause analysis, impact assessment, and control enhancement.
• Ensure timely escalation and communication of issues and incidents to appropriate stakeholders.

Change & Initiative Risk Management

• Provide risk oversight for Change Initiatives, including process changes, product enhancements, and strategic initiatives.
• Participate in change impact assessments to identify risks, control gaps, and mitigation strategies.
• Partner with Technology, Operations, and Business teams to ensure changes are wellcontrolled and sustainable.

Risk Assessments & Controls

• Lead and support Risk and Control SelfAssessments (RCSA), control design testing, and ongoing control effectiveness monitoring.
• Perform ad hoc risk assessments for new activities, vendor relationships, regulatory changes, or emerging risk scenarios.
• Use influential communication to resolve conflicts and guide teams toward riskaligned, customercentric solutions.

Risk Metrics & Continuous Monitoring

• Develop and maintain risk metrics, dashboards, and KRIs to support continuous monitoring.
• Perform monitoring and analytics to identify trends in consumer banking/lending/servicing performance, customer complaints, reputational indicators, and control health.
• Analyze trends, identify emerging risks, and recommend actions to strengthen the control environment.
• Monitor evolving consumer banking/lending/servicing, artificial intelligence, dataprivacy, and first-line risk trends.
• Partner with business leaders to mitigate risks surfaced through metrics and oversight activities.

Compliance & Examination Management

• Lead regulatory examinations and internal audits focused on customer communications, consumer banking governance, UDAAP, fair lending, and brand integrity.
• Coordinate deliverables and act as liaison between business teams and control partners.
• Support SOX, model governance, and other internal review processes as appropriate.

Collaboration & Communication

• Act as a strong connector between the First Line of Defense, Second Line of Defense (Risk/Compliance), and Third Line of Defense (Audit).
• Translate regulatory and risk expectations into clear, actionable business guidance.
• Communicate effectively with stakeholders at all levels, including senior leadership.
• Drive implementation and execution of Firstline risk programs including Third-party Risk, Operational Risk (RCSA), Regulatory Affairs, Business Resiliency, Corporate Governance, and Risk Appetite.

Qualifications & Education Requirements

• Bachelors or masters degree in marketing, Business Management, Operations, Finance, or related field.
• 10+ years of experience in financial services risk management, audit, compliance, operations, or marketingrisk roles.
• 5+ years of people leadership preferred.
• Strong understanding of risks associated with consumer banking, lending, servicing, or operations functions and customer communication.
• Exceptional leadership, communication, and relationship management skills.
• Proven ability to collaborate across diverse stakeholders and geographic regions.
• Strategic, analytical thinker with strong execution discipline.
• Highly organized project manager adept at navigating fast paced environments.
• Innovative, adaptable, and comfortable influencing at senior levels.

This position may be filled at a different level depending on the candidates qualifications and relevant experience. Factors may include but are not limited to: previous experience, depth and breath of previous or current institution size- the same role for many years or a variety of roles in the same space over a number of years, skills, knowledge, previous performance and success factors, education/certification.