Business Continuity Planners

**Description**

**You Lead the Way. We’ve Got Your Back.**

With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join Team Amex and let’s lead the way together.

How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you’re finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.

The Global Risk & Compliance Organization is an independent risk management function, led by the Chief Risk Officer, with the objective of ensuring that American Express operates in a safe, sound, and fully compliant manner with all applicable regulatory expectations. Global Risk & Compliance creates and maintains the overall risk management framework, performs independent risk management assessments, and monitors applicable risks.

Colleagues at Global Risk & Compliance are passionate about our commitment to drive the Company’s goals of growth and progress by creating a culture of risk awareness and proactivity around regulatory matters.

The Operational Risk Management (ORM) team facilitates and monitors the implementation of effective operational risk management programs throughout the company, and oversees risk ownership throughout business units, products, and processes.

The objective of the ORM Governance team is to develop, oversee and strengthen the organization’s ORM framework to ensure that governance structures, policies, and procedures are robust, effective, and align with regulatory requirements and best practices.

The ORM Governance Organization is looking for an Analyst, U.S. Consumer Services Team Operational Risk to join a diverse team of high-performing individuals focused on the effective oversight of risk identification, assessment, and mitigation across the Business Unit, while maintaining alignment with the organization’s enterprise risk management framework.

The U.S. Consumer Services Team is responsible for our suite of consumer products, services, and experiences in the U.S., including our premium, cobrand, cash back, and lending portfolios, Membership Rewards, Global Travel & Lifestyle Services, the Centurion Lounge network, our Global Dining and Resy businesses, and best-in-class marketing programs across customer, prospect, and partner channels. The USCS team is focused on making membership an indisputable competitive advantage and helping each other become better leaders every day.

Reporting directly to the Director, U.S. Consumer Services Operational Risk, this role plays a critical part in assessing, monitoring, and challenging the first line’s risk management practices. The ideal candidate will partner closely with first-line stakeholders and enterprise risk functions to provide independent oversight and challenge, ensuring that risks are managed effectively and in compliance with regulatory expectations.

**The Analyst, U.S. Consumer Services Team Operational Risk will:**

+ Support the independent oversight and challenge of first-line risk identification, assessment, and mitigation efforts (i.e., Risk & Control Self-Assessment) within U.S. Consumer Services to ensure alignment with enterprise risk standards

+ Analyze business processes and activities to identify potential risks, control gaps, and emerging risks

+ Support the development and refinement of risk policies, standards, and procedures

+ Assist in applying the enterprise risk management framework across U.S. Consumer Services

+ Support U.S. Consumer Services in embedding risk management practices into daily operations and decision-making

+ Support the tracking and analysis of key risk indicators (KRIs), providing insights into risk trends and areas requiring attention

+ Contribute to risk reporting efforts, preparing materials for senior management, risk committees, and regulatory engagements

+ Maintain an understanding of relevant regulations and industry expectations to help the business navigate compliance requirements

+ Conduct risk assessments, scenario analyses, and deep dives to evaluate the effectiveness of existing controls

+ Monitor risk-related issues, ensuring they are appropriately addressed

+ Escalate significant risk concerns and control deficiencies to senior risk colleagues and relevant stakeholders

**Qualifications:**

+ Experience in risk management, preferably within a second-line function in financial services, and understands critical risk management lifecycle activities

+ Knowledge of risk management frameworks, regulatory environments, and industry best practices

+ Proven ability to assess and challenge first-line risk practices independently

+ Excellent communication, with the ability to translate complex risk concepts into actionable insights

+ Ability to build productive partnerships across the organization

+ Strong understanding of operational and regulatory risks

+ Proficiency in risk management tools, data analysis, and reporting systems

+ Advanced analytical and problem-solving capabilities, with a focus on actionable insights

+ Detail-oriented and proactive, with strong prioritization skills in a dynamic environment

+ High ethical standards and a commitment to integrity and accountability

**Qualifications**

Salary Range: $55,000.00 to $105,000.00 annually bonus benefits

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.

We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

+ Competitive base salaries

+ Bonus incentives

+ 6% Company Match on retirement savings plan

+ Free financial coaching and financial well-being support

+ Comprehensive medical, dental, vision, life insurance, and disability benefits

+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need

+ 20 weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy

+ Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)

+ Free and confidential counseling support through our Healthy Minds program

+ Career development and training opportunities

For a full list of Team Amex benefits, visit our Colleague Benefits Site .

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

US Job Seekers/Employees - Click here to view the “Know Your Rights” poster and the Pay Transparency Policy Statement.

If the links do not work, please copy and paste the following URLs in a new browser window: https://www.dol.gov/agencies/ofccp/posters to access the three posters.

* Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.

**Job:** Risk

**Primary Location:** US-Florida-Sunrise

**Other Locations:** US-North Carolina-Charlotte, US-Arizona-Phoenix, US-Georgia-Atlanta, US-Ohio-Columbus, US-Utah-Sandy

**Schedule** Full-time

**Req ID:** 25004827

**You could say we're at the center of the center.**

Here at Edward Jones the client is our single focus and our relationships with them are the measure of everything we do. And Service and Operations divisions are at the center of it all. We support our clients, branch teams and headquarter associates in providing the best possible experience. Advocate for our more than 7 million clients through regulation communication, fraud protection and managing their investment distributions. Protect their investments by mitigating risk. And innovate new ways of working. Using insights to create solutions for the future - in the here and now.

**Job Overview**

**Position Schedule:** Full-Time

**What You'll Do:**

The Digital, Data, & Operations (DDO) organization at Edward Jones is known as the execution arm of the Firm, bringing the strategy of the enterprise to life. As a Sr. Risk & Control Associate (also known as Sr. Risk Manager) within the DDO First Line Risk capability, you will work in partnership with key stakeholders from across the firm to facilitate risk assessments coverage. Through this work you'll ensure the risks associated with key operational processes are appropriately controlled for via execution of the firm's Enterprise Risk Management framework for identifying, assessing, mitigating, monitoring, reporting and escalating risks.

**Here are a few of the Key Responsibilities:**

+ Act as an independent advisor for leaders and associates by facilitating risk assessment over critical processes to ensure significant risks within the process are addressed, with regards to financial, reputational, legal, regulatory, and operational impacts.

+ Consolidate, develop, and report process diagrams and risk assessment information across areas to allow business owners and senior leadership to effectively manage the division's risk profile.

+ Execute risk management procedures through quantitative and qualitative analysis utilizing established Risk and Control matrixes and GRC applications.

+ Advise and assist process owners on performing control effectiveness analysis to identify gaps in control design.

+ Responsible for supporting risk and control activities in alignment with ERM policies and standards.

+ Assist DDO Risk Leadership in developing risk strategy and framework for the division.

+ Review and report key emerging risk themes to divisional leadership.

+ Assist in development of risk training and education material for business partners.

+ Serve as a coach and risk liaison for divisional stakeholders.

+ Stay informed on risk industry and educational/development opportunities.

+ This is an individual contributor role. Internally, the position title will be Senior Risk & Control Associate.

Edward Jones' compensation and benefits package includes medical and prescription drug, dental, vision, voluntary benefits (such as accident, hospital indemnity, and critical illness), short- and long-term disability, basic life, and basic AD&D coverage. Short- and long-term disability, basic life, and basic AD&D coverage are provided at no cost to associates. Edward Jones offers a 401k retirement plan, and tax-advantaged accounts: health savings account, and flexible spending account. Edward Jones observes ten paid holidays and provides 15 days of vacation for new associates beginning on January 1 of each year, as well as sick time, personal days, and a paid day for volunteerism. Associates may be eligible for bonuses and profit sharing. All associates are eligible for the firm's Employee Assistance Program. For more information on the Benefits available to Edward Jones associates, please visit our benefits page (https://secure.edwardjonesbenefits.com/fleet/public/index/f914262d-0362-4682-bd1e-0ccd25f1dfb1) .

**Hiring Minimum:** $99200

**Hiring Maximum:** $168900

Read More About Job Overview

**Skills/Requirements**

**Qualifications Required in the Job:**

+ 3 + years of risk management experience required

+ College degree

+ Proficiency in Microsoft product suite as well as other software programs and databases

+ Ability to effectively execute risk engagements utilizing established risk frameworks

**What Could Set You Apart:**

+ CPA, CIA, FRM, or other risk certification

+ Experience developing risk frameworks

****Candidates that live within in a commutable distance from our Tempe, AZ and St. Louis, MO home office locations are expected to work in the office three days per week, with preference for Tuesday through Thursday.****

Read More About Skills/Requirements

**Awards & Accolades**

At Edward Jones, we are building a place where everyone feels like they belong. We're proud of our associates' contributions to the firm and the recognitions we have received.

Check out our U.S. awards and accolades: Insights & Information Blog Postings about Edward Jones (https://careers.edwardjones.com/blog/?\_sft\_category=awards-accolades)

Check out our Canadian awards and accolades: Insights & Information Blog Postings about Edward Jones (https://careers.edwardjones.com/en-CA/blogs/?\_sft\_category=awards-accolades-en-ca)

Read More About Awards & Accolades

**About Us**

Join a financial services firm where your contributions are valued. Edward Jones is a Fortune 500¹ company where people come first. With over 9 million clients and 20,000 financial advisors across the U.S. and Canada, we're proud to be privately-owned, placing the focus on our clients rather than shareholder returns.

Behind everything we do is our purpose: We partner for positive impact to improve the lives of our clients and colleagues, and together, better our communities and society. We are an innovative, flexible, and inclusive organization that attracts, develops, and inspires performance excellence and a sense of belonging.

People are at the center of our partnership. Edward Jones associates are seen, heard, respected, and supported. This is what we believe makes us the best place to start or build your career.

View our Purpose, Inclusion and Citizenship Report (https://www.edwardjones.com/us-en/why-edward-jones/about-us/corporate-citizenship/purpose-in-action) .

¹Fortune 500, published June 2024, data as of December 2023. Compensation provided for using, not obtaining, the rating.

Edward Jones does not discriminate on the basis of race, color, gender, religion, national origin, age, disability, sexual orientation, pregnancy, veteran status, genetic information or any other basis prohibited by applicable law.

\#LI-HO

**Do you want your voice heard and your actions to count?**

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 120,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.

With a vision to be the world’s most trusted financial group, it’s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.

Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.

The selected colleague will work at an MUFG office or client sites four days per week and work remotely one day. A member of our recruitment team will provide more details.

We're searching for an Information Risk Manager to support the Information Technology & Operations Risk & Control Office. You will handle reviews that include TLoD, SLoD and regulatory examinations. You will need an in-depth understanding of technology audits and information risk management which encompasses technology risk assessment, controls testing, issue management, risk acceptance and cyber security controls.

**Responsibilities:**

- Manage the implementation of the Information Risk Management Framework covering coordination of SLoD, TLoD and regulatory engagements.

- Manage the Oversight and Challenge of Information Risk Management (IRM) Governance process, covering coordination of SLoD, TLoD and regulatory engagements.

- Document FLoD regulatory responses and collaborate with the second line of defense and legal teams to finalize management responses to regulatory exam findings.

- Provide primary coverage for SLoD and TLoD coordination and communication.

- Meet with senior management and respective risk management parties to coordinate reviews and examinations and monitor current status.

- Provide periodic status updates to senior management on the progress of current reviews (i.e. SLoD, TLoD, regulators) and Information Risk initiatives.

- Observe remediation activities across the first line of defense and track the execution of plans.

- Communicate the status of control gap remediation and coordinating with the second line of defense for independent review.

- Oversee completion of risk mitigation plans to ensure they are consistent with policies and standards.

- Oversee the development of supporting materials for Information Risk Governance forums meetings.

- Develop FLoD IRM training materials and lead the FLoD training program.

The right candidate will have:

- 15 years in IT management, technology or operational risk management, technology audit or related role, including experience, testing and assessing controls and implementing NIST/COBIT frameworks

- Understanding and experience working within the Three Lines of Defense model and interacting with them at the senior level

- Experience leading audits and examinations across Technology and Cyber Security

- Experience managing and designing risk assessments for technology including review and mapping of controls against industry standards and integration with RCSA and other risk programs

- Knowledge of the financial services industry and its regulations/laws

- Understanding of control and risk management concepts and knowledge of operational aspects of the information risk business

- Knowledge of risk management policies, methods, standards, processes and industry-standard risk analysis

- Strong written, verbal, and presentation communication skills.

- IT Control Certification (e.g. CISA, CRISC, CISM, ISC2, CGEIT) is preferred

- Bachelor's Degree or equivalent experience, Master's degree in business, Administration, Technology or related field is preferred.

The typical base pay range for this role is between $160K - $211K depending on job-related knowledge, skills, experience, and location. This role may also be eligible for certain discretionary performance-based bonus and/or incentive compensation. Additionally, our Total Rewards program provides colleagues with a competitive benefits package (in accordance with the eligibility requirements and respective terms of each) that includes comprehensive health and wellness benefits, retirement plans, educational assistance and training programs, income replacement for qualified employees with disabilities, paid maternity and parental bonding leave, and paid vacation, sick days, and holidays. For more information on our Total Rewards package, please click the link below.

MUFG Benefits Summary (https://careers.mufgamericas.com/sites/default/files/document/2023-01/mb-live-well-work-well.pdf)

We will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable state and local laws (including (i) the San Francisco Fair Chance Ordinance, (ii) the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance, (iii) the Los Angeles County Fair Chance Ordinance, and (iv) the California Fair Chance Act) to the extent that (a) an applicant is not subject to a statutory disqualification pursuant to Section 3(a)(39) of the Securities and Exchange Act of 1934 or Section 8a(2) or 8a(3) of the Commodity Exchange Act, and (b) they do not conflict with the background screening requirements of the Financial Industry Regulatory Authority (FINRA) and the National Futures Association (NFA). The major responsibilities listed above are the material job duties of this role for which the Company reasonably believes that criminal history may have a direct, adverse and negative relationship potentially resulting in the withdrawal of conditional offer of employment, if any.

The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified.

We are proud to be an Equal Opportunity Employer and committed to leveraging the diverse backgrounds, perspectives and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate on the basis of race, color, national origin, religion, gender expression, gender identity, sex, age, ancestry, marital status, protected veteran and military status, disability, medical condition, sexual orientation, genetic information, or any other status of an individual or that individual’s associates or relatives that is protected under applicable federal, state, or local law.

At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!

**Our Culture Principles**

+ Client Centric

+ People Focused

+ Listen Up. Speak Up.

+ Innovate & Simplify

+ Own & Execute

Payments Risk Manager

Department: Kotapay

Location: Phoenix, AZ

PT/FT/Temporary : Full Time

START YOUR APPLICATION (https://apply.hrmdirect.com/resumedirect/ApplyOnline/Apply.aspx?req\_id=3296296&source=3296296-CJB-0)

First International Bank and Trust is a $5.5 billion, family-owned community bank. Our Kotapay division is a leader in ACH processing and in 2023 announced its entrance into banking-as-a-service.

Kotapay is seeking an experienced and knowledgeable Payments Risk Manager to manage and maintain the risk management strategy for our payment products, partners, and platforms. In this role, you will ensure the safe and compliant operation of ACH, digital wallet, card transactions, and other payment methods. You will manage risk assessments, compliance with BSA/AML regulations, and identify potential fraud or transaction anomalies.

Key Responsibilities:

+ Prepare and maintain risk assessments for payment products, partners, and platforms.

+ Prepare and present risk and compliance related reports for senior management.

+ Maintain ongoing reviews of payment systems, ensuring timely approvals and updates.

+ Manage risk strategies for ACH, digital wallets, cards, and other funds transfer methods.

+ Ensure compliance with BSA/AML, OFAC guidelines, and relevant regulations.

+ Monitor suspicious activity using data and technology, implementing detection tools.

+ Address payment-related risks including fraud, transaction anomalies, and emerging threats.

+ Lead the adverse event process and prepare reports for senior management.

+ Document and update standard operating procedures to maintain compliance.

+ Collaborate with internal audit with requests and resolve possible findings with corrective actions plans.

+ Interact regularly with corporate risk staff to ensure compliance with corporate policies.

+ Provide training and guidance on payments risk and compliance.

+ Supervise and mentor a team, including recruitment, performance evaluation, and discipline.

Qualifications:

+ Minimum five years of leadership experience in risk management, compliance, or AML/BSA, with expertise in payments, fintech, and electronic transfers experience is required.

+ Bachelor-s degree in risk management, business administration, or a related field preferred.

+ In-depth knowledge of rules and regulations for prepaid cards, debit cards, ACH, and real-time payments.

+ Strong analytical skills and experience using AML/fraud detection systems (e.g., Actimize, Verafin, Unit21).

+ Proven ability to assess all types of risk and implement controls for mitigation.

+ Excellent written and verbal communication skills, particularly relating to clearly and concisely explaining complex concepts and identified risks.

+ Familiarity with card network rules and NACHA rules.

+ Professional certifications (CFCS, CAMS, CRCM, CFE) are a plus.

First International Bank and Trust is a family-owned, full-service, community bank with locations in ND, MN, SD, and AZ.

We show our employees we care by providing competitive benefits and training and growth opportunities. Here are the things we offer within our full-time benefits package:

+ Health, Dental & Vision

+ 401K Retirement Plan with Employer Match

+ Paid Parental Leave

+ Life and Disability Insurance

+ Generous PTO and Holiday pay

If you are interested in learning more, you can apply or if you have questions before applying you can reach out directly at TalentAcquisition@FIBT.com.

Equal Opportunity Employer

START YOUR APPLICATION (https://apply.hrmdirect.com/resumedirect/ApplyOnline/Apply.aspx?req\_id=3296296&source=3296296-CJB-0)

**About Wells Fargo**

Wells Fargo & Company (NYSE: WFC) is a leading financial services company that has approximately $1.9 trillion in assets, proudly serves one in three U.S. households and more than 10% of small businesses in the U.S., and is a leading middle market banking provider in the U.S. We provide a diversified set of banking, investment and mortgage products and services, as well as consumer and commercial finance, through our four reportable operating segments: Consumer Banking and Lending, Commercial Banking, Corporate & Investment Banking, and Wealth & Investment Management. Wells Fargo ranked No. 47 on Fortune’s 2023 rankings of America’s largest corporations. In the communities we serve, the company focuses its social impact on building a sustainable, inclusive future for all by supporting housing affordability, small business growth, financial health, and a low-carbon economy.

**Corporate Risk**

As the company's second line of defense, Corporate Risk — or Independent Risk Management — provides independent oversight of risk-taking activities. Independent Risk Management establishes and maintains Wells Fargo's risk management program and provides oversight, including challenges to and independent assessment of the frontline's execution of its risk management responsibilities. We manage risk according to the Risk Management Framework and ensure all employees understand their individual accountability for managing risk.

**Operational Risk Management**

Operational Risk is the risk resulting from inadequate or failed internal controls, processes, people, and systems or from external events. Operational Risk Management (ORM) upholds the integrity of the Risk Management Framework (RMF) by independently overseeing operational risk management across the company, enabling Wells Fargo to meet its strategic goals and providing a comprehensive view of operational risk.

**About this role:**

Wells Fargo is seeking an Operational Risk Executive to lead a Shared Services Operations Group operational risk function. This role reports to the Global Operations Operational Risk Executive and focusses on our Shared Services Operations function. This is a large organization within Global Operations engaged in significant regulatory remediation activities and supporting enterprise-wide activities. The Risk team supporting Shared Services Operations plays a critical role in supporting the organization's ability to manage and mitigate risks across this large, complex function, and operates in tandem with our BACO (Business Aligned Compliance Officer). This role will lead numerous high impact projects, ongoing open issues and an increasing risk profile. The leader will be responsible for providing a consistent, in-depth risk oversight view and approach of the Shared Services function including providing expertise and risk insights on financial crimes operations and regulations, consumer regulations and data governance especially as it relates to regulatory reporting. The role will lead Independent Risk Management governance, coordination, and reporting routines across the Shared Services ORM team.

**In this role, you will:**

+ Support Shared Services Operations in addressing regulatory remediation activities, tracking and escalating issues and concerns, and ensure future programs are subject to appropriate risk oversight

+ Identify and respond to emerging risk issues in a timely manner and balance the workload across the team for Financial Crimes Operations, Consumer Regulations, and Data Strategy arenas

+ Provide vision and set direction for Global Operations risk oversight teams covering aforementioned areas of shared services, to achieve long term strategic objectives that impact organization and management across functions

+ Manage the development, implementation, and monitoring of a risk-based program for a business or large functional area with moderate to high risk to identify, assess, and mitigate operational risk that arises from inadequate or failed internal processes, people, systems, or external events

+ Influence and provide input on policy, framework, and program development for business or enterprise strategy for Financial Crimes Operations (BSA/AML), Consumer Regulations, and Data Strategy arenas

+ Maintain a balance between risk mitigation and operational efficiency, and an awareness of the state of operational risk companywide

+ Direct execution of major operational risk programs companywide or lines of businesses with significant risk and multiple, complex regulatory environments which fall into the Shared Services Operations space

+ Ensure reporting, escalation, and remediation of issues, deficiencies or regulatory matters regarding operational risk to leaders, committees, and appropriate executive management

+ Challenge operational risk-related business management decisions, activities, and operating processes for assigned area

+ Manage communication and collaboration with business heads, Legal, Audit, and regulators on risk related topics

+ Partner closely with Compliance and Strategic and Enterprise Risk Management in providing Risk Oversight of Shared Services

+ Develop and guide a culture of talent development to meet business objectives and strategy

+ Manage allocation of people and financial resources for this pillar of Operational Risk

As a leader, you will lead your team with integrity and create an environment where your employees feel included, valued, and supported to do work that energizes them. You will have accountability for management responsibilities which include sourcing and hiring talented employees, providing ongoing coaching and feedback, recognizing, and developing employees, identifying, and managing risks, and completing daily management tasks.

**Required Qualifications:**

+ 8+ years of Operational Risk experience or equivalent experience demonstrated through one or a combination of the following: work experience, training, military experience, education

+ 4+ years of Management experience

**Desired Qualifications:**

+ Expert understanding of enterprise risk management framework including risk identification, risk appetite and strategy, risk-related decisions, processes and controls, risk analytics and governance

+ Expert understanding of Operations; and Shared Services specifically as it relates to one or a combination of Financial Crimes Operations (BSA/AML), Consumer Regulations, and Data Strategy in a global banking environment

+ Experience with Regulatory Operations including FDIC 370, SCRA, OREO/DPC, Licensing & Registration, Reg O, Cease and Desist, Dodd Frank 1071, Labor Management Reporting and Disclosures (LMRDA), Legal Entity Identifier (LEI), Notary Affiant Signature Administration (Nasa) and Medallion.

+ Data Strategy experience including but not limited to: BSA/AML Data Strategy and Execution, Real Estate Valuation Services, Customer Tax, Translations Services and Information / Records Management

+ Ability to effectively manage and build relationships within the Corporate Risk function and with business partners

+ Ability to create solutions in a dynamic environment with complex risk and control related environment and articulate sound proposals to key stakeholders to influence and drive timely decision making

+ Proven record to develop and mentor team for career development, retention strategy, and goal achievements, including establishing a strategic vision and drive strong outcomes and results

+ Highly experienced in building and maintaining relationships with Senior Leaders and ability to establish partnerships between three lines of defenses

+ Strong executive presence with the ability to inspire a complex and geographically dispersed organization

+ Effective engagement and maintenance of relationships with global regulators by interpreting regulatory trends and expectations

+ Demonstrated ability to negotiate challenges or issues and achieve best outcomes for the company

+ Demonstrated ability to influence and lead across first and second line of defenses while maintaining close relationships with third line of defenses

+ Excellent analytical and problem-solving skills, inquisitive nature and comfort challenging current practices to drive efficiency and standardization

**Job Expectations:**

+ Foster an environment that ensures strong communication and cooperation across the three lines of defense

+ Create a culture of excellence by proactively attracting, retaining, and developing a team of talented and diverse professionals

**Pay Range**

Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.

$207,900.00 - $431,900.00

**Benefits**

Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs (https://www.wellsfargojobs.com/en/life-at-wells-fargo/benefits) for an overview of the following benefit plans and programs offered to employees.

+ Health benefits

+ 401(k) Plan

+ Paid time off

+ Disability benefits

+ Life insurance, critical illness insurance, and accident insurance

+ Parental leave

+ Critical caregiving leave

+ Discounts and savings

+ Commuter benefits

+ Tuition reimbursement

+ Scholarships for dependent children

+ Adoption reimbursement

**Posting End Date:**

27 Mar 2025

***** **_Job posting may come down early due to volume of applicants._**

**We Value Diversity**

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in US: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

**Applicants with Disabilities**

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

**Drug and Alcohol Policy**

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-drug-and-alcohol-policy) to learn more.

**Wells Fargo Recruitment and Hiring Requirements:**

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

**Req Number:** R-429974

At EY, you’ll have the chance to build a career as unique as you are, with the global scale, support, inclusive culture and technology to become the best version of you. And we’re counting on your unique voice and perspective to help EY become even better. Join us and build an exceptional experience for yourself, and a better working world for all.

The exceptional EY experience. It's yours to build.

EY focuses on high-ethical standards and integrity among its employees and expects all candidates to demonstrate these qualities.

**Technology Risk Management - Associate Director**

Ethics, Compliance, and Risk Management (ECRM) supports our people in managing the risks that arise during our daily working lives. We work closely with all parts of the organization to identify, manage, and monitor risk, providing coordinated advice and assistance on independence, conflicts, compliance, regulatory, policy, security issues, as well as dealing with claims and any queries regarding ethics.

**The opportunity**

We live in an increasingly connected world, which presents new challenges in managing risk. With fast-paced technology advancements, new innovations within emerging technologies, and an ever-challenging regulatory environment, it is business critical for our organization to identify not only the risks but the opportunities these present to us. As an Associate Director with our Technology Risk Management (TRM) function, you will make educated, thoughtful decisions. Our brand depends on it. It’s all part of our long-term commitment to building a better working world and in return, you can expect plenty of opportunities to take on new responsibilities and develop your career.

**Your key responsibilities**

As part of EY Americas TRM function, you will assist in the development, implementation, and monitoring of various technology risk management program initiatives. We are looking for a high performing Associate Director to lead the execution of strategic and operational program initiatives. This position requires in-depth subject matter knowledge of technology, emerging technology, compliance, and risk management. The TRM function is focused on delivering technology risk insights and mitigating actions to the business to enable better risk-based decisions and align with client expectations.

**Skills and attributes for success**

+ Leads activities within the Technology Risk Management function of ECRM, including but not limited to:

+ Leading risk consultations regarding the implementation of new technologies, acting as a central figure in managing potential threats. This includes but is not limited to engaging the appropriate stakeholders based on the risk profile and identifying risk mitigation controls and activities

+ Executing technology risk assessments to identify technology risks across our Americas technology environment

+ Supporting risk mitigation and monitoring activities involving aspects such as third-party management, technology governance, awareness, and policy formulation, data security, business continuity planning, identity and access administration, application risk valuations, and ensuring compliance with essential norms

+ Assists with strategy formation, direction, and portfolio management of technology risk management activities

+ Assists in analyzing related legal and regulatory developments to confirm applicable requirements

+ Assists in maintaining and updating related EY policies, guidance, training, and communication plans to reflect new and/or changes to Artificial Intelligence laws, regulations, and standards

+ Collaborates with various functions across the organization, such as EY's Global Enterprise Technology, Client Technology, Global Information Security, and members of the business and Service Line Quality, to design and implement policies and processes to manage and mitigate technology risk

+ Creates reports on various program activities to be delivered to key program stakeholders, including senior leaders within the organization

+ Continuously maintains and expands knowledge of field of expertise and communicates new developments and resulting impact to program stakeholders and team members

+ Participates in various ad-hoc program projects, as needs develop

+ Manages junior level team members within the TRM function

**To qualify for the role, you must have**

+ Excellent verbal and written communications skills as well as listening and interpretation skills; ability to interface and communicate effectively with all levels of EY personnel

+ Excellent organizational skills; demonstrated ability to create, plan and successfully handle multiple tasks simultaneously; and ability to meet multiple deadlines in a fast-paced environment

+ Solid understanding of and commitment to stay up to date with emerging technologies, such as AI and Blockchain

+ Solid understanding of relevant firm business and area-wide technology issues and concerns

+ Strong project management and problem-solving skills

+ Demonstrate pro-activity and thought leadership around process

+ Flexibility and the ability to take the initiative

+ Good working knowledge of information systems and common software packages

+ Strong research skills and ability to think strategically and handle complex concepts

+ Able to lead virtual teams, demonstrating natural authority

+ Adept at delegating, motivating and mentoring team members

+ Bachelor’s degree or equivalent work experience; Graduate degree preferred

+ 8-10 plus years related experience

+ Relevant Professional Certifications, such as: CISSP, CISM, CISA, CDPSE, Security+, Network+, PMP, or additional cloud/emerging technology related certifications preferred

**Ideal candidate will have**

+ Understanding of the firm’s existing uses of technology and technology policies

+ Knowledge and experience to review complex situations and assist in proposing solutions

+ Strong knowledge of relevant global, national, and local AI laws, regulations, and standards, as well as familiarity with other risk management initiatives outside of this specific area

+ Sound understanding of high-level technology trends

+ Experience in technology risk management and information security

+ Knowledge of Artificial Intelligence and associated risks is preferred

**What we look for**

We are looking for individuals who will be able to right-size risk and recommend creative solutions to complex problems, as well as make significant contributions to multi-faceted Ethics, Risk Management, and Compliance projects.

**What we offer**

We offer a comprehensive compensation and benefits package where you’ll be rewarded based on your performance and recognized for the value you bring to the business. The base salary range for this job in all geographic locations in the US is $127,300 to $245,000. The salary range for New York City Metro Area, Washington State and California (excluding Sacramento) is $152,700 to $278,400. Individual salaries within those ranges are determined through a wide variety of factors including but not limited to education, experience, knowledge, skills and geography. In addition, our Total Rewards package includes medical and dental coverage, pension and 401(k) plans, and a wide range of paid time off options. Join us in our team-led and leader-enabled hybrid model. Our expectation is for most people in external, client serving roles to work together in person 40-60% of the time over the course of an engagement, project or year. Under our flexible vacation policy, you’ll decide how much vacation time you need based on your own personal circumstances. You’ll also be granted time off for designated EY Paid Holidays, Winter/Summer breaks, Personal/Family Care, and other leaves of absence when needed to support your physical, financial, and emotional well-being.

+ **Continuous learning:** You’ll develop the mindset and skills to navigate whatever comes next.

+ **Success as defined by you:** We’ll provide the tools and flexibility, so you can make a meaningful impact, your way.

+ **Transformative leadership:** We’ll give you the insights, coaching and confidence to be the leader the world needs.

+ **Diverse and inclusive culture:** You’ll be embraced for who you are and empowered to use your voice to help others find theirs.

EY accepts applications for this position on an on-going basis. **If you can demonstrate that you meet the criteria above, please contact us as soon as possible.**

EY exists to build a better working world, helping to create long-term value for clients, people and society and build trust in the capital markets.

Enabled by data and technology, diverse EY teams in over 150 countries provide trust through assurance and help clients grow, transform and operate.

Working across assurance, consulting, law, strategy, tax and transactions, EY teams ask better questions to find new answers for the complex issues facing our world today.

For those living in California, please click here (https://ey-preview.ey.com/content/ey-unified-site/ey-com/local/us/en\_us/home/legal-and-privacy/fair-chance-ordinance.html?token=68cf9ed2-94e5-4db9-83cf-5c6aa14619de) for additional information.

EY is an equal opportunity, affirmative action employer providing equal employment opportunities to applicants and employees without regard to race, color, religion, age, sex, sexual orientation, gender identity/expression, pregnancy, genetic information, national origin, protected veteran status, disability status, or any other legally protected basis, including arrest and conviction records, in accordance with applicable law.

EY is committed to providing reasonable accommodation to qualified individuals with disabilities including veterans with disabilities. If you have a disability and either need assistance applying online or need to request an accommodation during any part of the application process, please call 1-800-EY-HELP3, select Option 2 for candidate related inquiries, then select Option 1 for candidate queries and finally select Option 2 for candidates with an inquiry which will route you to EY’s Talent Shared Services Team (TSS) or email the TSS at ssc.customersupport@ey.com

Job Description

A large financial institution is looking for an Operational Risk Manager to join their team within the First Line of Defense. In this pivotal role, you will ensure that financial controls are consistently implemented across the organization. Your focus will be on control management and project oversight, collaborating with diverse teams throughout the company. The ideal candidate will possess strong analytical skills and problem-solving abilities, with a keen eye for data analysis, trend identification, and risk evaluation. This is an excellent opportunity to contribute to a robust risk management framework and drive operational excellence.

We are a company committed to creating diverse and inclusive environments where people can bring their full, authentic selves to work every day. We are an equal opportunity/affirmative action employer that believes everyone matters. Qualified candidates will receive consideration for employment regardless of their race, color, ethnicity, religion, sex (including pregnancy), sexual orientation, gender identity and expression, marital status, national origin, ancestry, genetic factors, age, disability, protected veteran status, military or uniformed service member status, or any other status or characteristic protected by applicable laws, regulations, and ordinances. If you need assistance and/or a reasonable accommodation due to a disability during the application or recruiting process, please send a request to HR@insightglobal.com .

To learn more about how we collect, keep, and process your private information, please review Insight Global's Workforce Privacy Policy: https://insightglobal.com/workforce-privacy-policy/ .

Skills and Requirements

3+ years in operational risk management

Within risk/internal audit/or audit function

Bachelors degree in Business or Finance

Project management experience

Experience in process governance/understanding of processes that align with policies, regulatory frameworks, or operational standards

Operational Risk in the 1st line governance defense

RCSA experience null

We are a company committed to creating diverse and inclusive environments where people can bring their full, authentic selves to work every day. We are an equal employment opportunity/affirmative action employer that believes everyone matters. Qualified candidates will receive consideration for employment without regard to race, color, ethnicity, religion,sex (including pregnancy), sexual orientation, gender identity and expression, marital status, national origin, ancestry, genetic factors, age, disability, protected veteran status, military oruniformed service member status, or any other status or characteristic protected by applicable laws, regulations, andordinances. If you need assistance and/or a reasonable accommodation due to a disability during the application or the recruiting process, please send a request to HR@insightglobal.com.

**Description**

**You Lead the Way. We’ve Got Your Back.**

With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join Team Amex and let's lead the way together.

How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you’re finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.

The Operational Risk Management (ORM) team facilitates and monitors the implementation of effective operational risk management programs throughout the organization, and oversees risk ownership throughout business units, products, and processes. The objective of the ORM Issues & Events team is to define and maintain the issues and events frameworks and programs across the enterprise.

ORM is looking for a Director CCAR Operational Risk to lead a diverse team of high-performing professionals focused on ensuring effective operational risk management is embedded in the day-to-day operations of our organization. It will involve extensive collaboration with multiple partners across numerous business units, functional areas, and geographies.

**How will you make an impact in this role?**

The Director CCAR Operational Risk will:

+ Own and drive the end-to-end CCAR operational risk framework, ensuring timely, accurate, and defensible submissions.

+ Develop and refine scenario analysis methodologies, integrating loss data, risk control self-assessments (RCSAs), key risk indicators (KRIs), and external data sources.

+ Ensure operational risk stress testing aligns with regulatory expectations (e.g. SR 15-18/SR 15-19, Basel, ICAAP) and internal risk appetite.

+ Design and enhance loss estimation models that translate risk scenarios into financial impact forecasts.

+ Integrate historical loss data, emerging risk trends, and macroeconomic factors into CCAR stress testing frameworks.

+ Work closely with risk modeling teams to validate methodologies and assumptions.

+ Serve as the primary point of contact for regulatory exams related to CCAR operational risk, engaging with Federal Reserve, OCC, and other regulators.

+ Prepare and present clear, defensible risk assessments to CROs, CFOs, Board members, and regulators.

+ Ensure governance, documentation, and risk methodologies meet heightened regulatory expectations.

+ Provide thought leadership on emerging operational risk themes, e.g. cyber risk, third-party risk, conduct risk, and fraud.

+ Strengthen the connection between business controls, risk mitigation strategies, and capital planning.

+ Partner with Enterprise Risk, Finance, and Business Unit teams to integrate operational risk into broader firmwide risk initiatives.

+ Implement a robust governance framework for operational risk loss forecasting, ensuring transparency, accuracy, and repeatability.

+ Drive process efficiency, leveraging automation and best practices to enhance risk quantification.

+ Ensure high-quality execution of CCAR deliverables under tight regulatory timelines.

**Qualifications:**

+ Proven experience leading CCAR operational risk processes at a GSIB or large financial institution.

+ Strong understanding of stress testing methodologies, risk quantification, and capital planning requirements.

+ Expertise in risk scenario analysis, loss forecasting, and data-driven risk quantification.

+ Ability to synthesize internal loss data, external trends, and macroeconomic factors into CCAR modeling.

+ Experience engaging with Federal Reserve, OCC, FDIC, and other regulatory bodies.

+ Ability to confidently defend methodologies, justify assumptions, and articulate risk outcomes to regulators and senior leadership.

+ Ability to translate complex risk analytics into clear, actionable insights for C-suite executives.

+ Strong presentation skills to engage with senior management.

+ Expertise in operational risk frameworks, loss event modeling, and control effectiveness assessments and knowledge of key operational risk categories

+ Experience designing and enforcing risk governance frameworks, ensuring strong documentation and control oversight.

+ Ability to create repeatable, defensible methodologies that meet regulatory scrutiny.

+ Ability to coordinate across risk, finance, modeling, and technology teams to drive CCAR excellence.

+ Track record of delivering under high-pressure regulatory deadlines.

+ Passion for enhancing CCAR methodologies, benchmarking against industry best practices, and driving innovation.

+ Strong problem-solving skills to navigate complex risk assessment challenges.

+ Experience with Python, R, SAS, SQL, or advanced data analytics tools for risk modeling and familiarity with machine learning techniques for risk analytics are nice-to-haves

**Qualifications**

Salary Range: $130,000.00 to $205,000.00 annually bonus equity (if applicable) benefits

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.

We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

+ Competitive base salaries

+ Bonus incentives

+ 6% Company Match on retirement savings plan

+ Free financial coaching and financial well-being support

+ Comprehensive medical, dental, vision, life insurance, and disability benefits

+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need

+ 20 weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy

+ Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)

+ Free and confidential counseling support through our Healthy Minds program

+ Career development and training opportunities

For a full list of Team Amex benefits, visit our Colleague Benefits Site .

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

US Job Seekers/Employees - Click here to view the “Know Your Rights” poster and the Pay Transparency Policy Statement.

If the links do not work, please copy and paste the following URLs in a new browser window: https://www.dol.gov/agencies/ofccp/posters to access the three posters.

* Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.

**Job:** Risk

**Primary Location:** US-New York-New York

**Other Locations:** US-Arizona-Phoenix, US-Georgia-Atlanta, US-Utah-Sandy, US-Florida-Sunrise

**Schedule** Full-time

**Tags** ORMCM

**Req ID:** 25004490

Job Description

The world is transforming, and so is Intel. Intel is a company of bold and curious inventors and problem solvers who create some of the most astounding technology advancements and experiences in the world. With a legacy of relentless innovation and a commitment to bring smart, connected devices to every person on Earth, our diverse and brilliant teams are continually searching for tomorrow's technology and revel in the challenge that changing the world for the better brings. We work every single day to design and manufacture silicon products that empower people's digital lives. Come join us and do something wonderful.Foundry Services will be differentiated from other foundries with a combination of leading-edge packaging and process technology, committed capacity in the US and Europe, and a world-class IP portfolio that customers can choose from, including x86 cores, graphics, media, display, AI, interconnect, fabric and other critical foundational IP's, along with Arm and RISC-V ecosystem IP's. Foundry Services will also provide access to silicon design services to help our customers seamlessly turn silicon into solutions, using industry standard design packages.

We are seeking a highly capable and driven Business Operations Manager with foundry business and manufacturing background to drive BizOps for a line of business within our Silicon Business Group (SBM), which is responsible for silicon foundry business across all end-customers totaling $19B dollars of revenue in 2023. The manager will be responsible for driving the P and L of a platform by setting go-to-market strategy, defining business plans, recommending which business to accept under which terms, setting/tracking/reporting business and operational KPI commitments. The position will report to the director of the business line.Key Responsibilities:Work with the director of business operations to set and program manage execution of go-to-market strategy and business plans including:

Determining target markets and target customers evolution over a 10-year horizon, in collaboration with marketing, and sales teams.
Providing demand forecasts into long-range planning process to secure required capacity.
Collaborating with finance and other functions to complete NPV assessments.
Recommending which business we will accept and under which terms.
Justifying development and deployment to Intel Foundry management.
Managing change requests through structured change control process.

KPI setting/tracking/reporting:

Collaborate with execution teams to set/track/report the KPIs that are critical to achieving the aligned business plans including:

With sales: commitments on design awards, demand forecasts.
With manufacturing: yields, cycle time, capacity bring-up, capex spend, etc.
With engineering: structural cost, RND spend, etc.
With eco-system technology office: external IP and EDA spend.
Driving P and L:

Support the director in running a cross-functional MRC to program manage the business and operational aspects of the P and L.
Collaborate with stakeholders across execution and corporate functions to report progress and raise issues to executive leadership within SBM and across Intel Foundry.

Qualifications

Minimum Qualifications:

Bachelor's degree in Computer Engineering, Electrical Engineering, Industrial Engineering, Finance, Manufacturing, or in a STEM related field of study.
5+ years of experience leading business operations functions in a leading-edge foundry.
Experience working with finance, fab operations, sales, sales operations, IP or EDA eco-system.
Experience working with business and operations aspects of P and L.

Inside this Business Group

Intel Foundry is dedicated to transforming the global semiconductor industry by delivering cutting-edge silicon process and packaging technology leadership for the AI era. As stewards of Moore's Law, we innovate and foster collaboration within an extensive partner ecosystem to advance technologies and enable our customers to design leadership products. Our strategic investments in geographically diverse manufacturing capacities bolster the resilience of the semiconductor supply chain. Leveraging our technological prowess, expansive manufacturing scale, and a more sustainable supply chain, Intel Foundry empowers the world to deliver essential computing, server, mobile, networking, and automotive systems for the AI era. This position is part of the Foundry Services business unit within Intel Foundry, a customer-oriented service organization that is dedicated to the success of its customers with full P&L responsibilities. We ensure our foundry customers' products receive our utmost focus in terms of service, technology enablement and capacity commitments.

Other Locations

US, OR, Hillsboro; US, TX, Austin; US, AZ, Phoenix

Posting Statement

All qualified applicants will receive consideration for employment without regard to race, color, religion, religious creed, sex, national origin, ancestry, age, physical or mental disability, medical condition, genetic information, military and veteran status, marital status, pregnancy, gender, gender expression, gender identity, sexual orientation, or any other characteristic protected by local law, regulation, or ordinance.
Benefits
We offer a total compensation package that ranks among the best in the industry. It consists of competitive pay, stock, bonuses, as well as, benefit programs which include health, retirement, and vacation. Find more information about all of our Amazing Benefits here.Annual Salary Range for jobs which could be performed in the US $116,850.00-$164,960.00*Salary range dependent on a number of factors including location and experience
Working Model
This role will be eligible for our hybrid work model which allows employees to split their time between working on-site at their assigned Intel site and off-site. * Job posting details (such as work model, location or time type) are subject to change.

**Strong proficiency in SAS is required to be successful in this role. Relocation is required to Tempe Arizona or Chicago, Illinois This role requires two days a week in office work in our Tempe, Arizona or Chicago, Illinois office.**

The **Data Scientist / Portfolio Risk Manager** provides analysis, monitors the performance and develops portfolio credit recommendations on consumer loan portfolios to manage risk taking, improve profitability and ensure the bank’s lending activities adhering to Retail Credit policies and Risk Appetite target. This role leverages the use of statistical tools, quantitative modeling techniques and other business methodologies to mine data and support credit policy and strategy recommendations. The position is responsible for contributing to key risk management related business processes such as credit performance monitoring, retail risk policy/strategy development, credit loss reserving, loss forecasting and business planning. This role is also responsible for ADHOC analysis including due diligence for potential portfolio or retail lending business acquisitions.

**Loss forecasting and performance monitoring (40%)**

+ Develop, enhance loss forecasting framework. Maintain efficient reporting process to communicate forecast and underlying drivers to senior management. Liaison with collections/ finance to facilitate accurate assessment and reporting of loss/allowance.

+ Conduct portfolio analyses, including monitoring and reporting credit performances of specific consumer loan portfolios, exploring and discovering root causes of changing credit profile and credit performances, identifying performance drivers and providing senior management with actionable recommendations.

**Portfolio Risk management/Data Analysis (20%)**

+ Supporting growth and solve real business problems by applying customized business analysis or a variety of predicative modeling techniques, portfolio segmentation, champion/challenger methodologies to analyze business results and refine strategies and influence portfolio credit performance and profitability.

+ Combine retail lending product expertise, lending process understanding and analytical expertise in lending policy and strategy enhancement. Support portfolio / business acquisition and due-diligence exercises in Retail Lending space; Promote collaboration within Risk team and across functions to provide end-to-end analysis that connects risk taking and profitability.

+ Explore, adopt and champion AI and machine learning to advance risk team’s analytical capability

**Credit Policy/Process/Strategy Analysis (20%)**

+ Maintain current understanding of applicable regulatory requirements for consumer loans and ensure policies and procedures are fully compliant.

+ Present results of portfolio monitoring and analysis and provide recommendations for policy, process or strategy changes to more effectively manage risk, increase efficiency or improve bank profitability.

+ Review policies and procedures to ensure adherence to credit risk-related operating procedures and applicable P&C Canada, BMO and U.S. policies as well as alignment with the business strategy and risk appetite.

**Governance (20%)**

+ Provide clear, concise executive summaries on portfolio performance or risk concerns for discussion with key stakeholders at the appropriate governance forums to define the issue/risk, assess the potential implications to the bank and provide any recommended actions to remediate the risk.

+ Provide supports to Internal/External audit efforts

**Authorities:**

+ Information Access – Authorities to access information, records, facilities, systems, and personnel of the enterprise, including authorities to access and use confidential customer and financial information.

+ Empowerment – Authority to interact with the LoB, providing analysis, consultation, issue identification and recommendations.

**Scope and Impact:**

This position contributes to financial reporting and loan portfolio risk profile /performance, reported internally as well as externally. This position has direct impact on the achievement of business objectives as they relate to managing risk and delivering against profitability targets associated with the loan portfolio.

**Qualifications:**

+ Typically, between 5 - 7 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.

+ Prior experience in credit risk processes, and loss forecasting is highly preferred.

+ Proven ability to glean insights from data and support data driven decision making.

+ Highly proficient in data analysis (including time series analysis) using SAS/SQL.

+ Highly proficient in SAS and Excel. Knowledge of software like Python, Power BI a plus.

+ In depth knowledge of loan life cycle and loss mitigation process.

+ In-depth knowledge of risk management metrics, KPIs and KRIs.

+ In-depth knowledge of reporting & analytics concepts and applications.

+ In-depth knowledge of risk systems technology.

+ Excellent analytical and problem-solving skills.

+ Excellent Verbal & written communication skills.

**Salary:**

$65,300.00 - $121,100.00

**Pay Type:**

Salaried

The above represents BMO Financial Group’s pay range and type.

Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position.

BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards

**About Us**

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset.

To find out more visit us at https://jobs.bmo.com/us/en

BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law.

BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to BMOCareers.Support@bmo.com and let us know the nature of your request and your contact information.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.