Business Continuity Planners

As part of the North American Commercial Bank Headquarters 1st line Non-Transactional Credit Risk Initiatives team, this role will work closely with customer facing Commercial personnel to monitor the Commercial portfolio, provide oversight of Commercial Bank internal Audit and regulatory exam activity, and act as a subject matter expert representing the interests of the Commercial Bank on ad hoc credit risk initiatives.

The Commercial Banking Credit Risk Manager acts as a trusted advisor, providing a source of business process, policy, procedure, product and/or system expertise, coordinates with key stakeholders on internal audits, regulatory exams, and other ad hoc credit risk initiatives impacting process, policy, and technology, and transparently communicates information to Commercial Bank leadership to ensure awareness of key credit risk initiatives.

While the position focuses primarily on the Commercial Bank, there may be broader, Enterprise-wide focus within certain initiatives.

This role:

+ Directs, manages, coordinates, and facilitates effective communication among key stakeholders.

+ Acts as a trusted advisor for Commercial Banking employees/stakeholders.

+ Gains and builds trust and rapport.

+ Analyzes data and synthesizes information to provide insights and recommendations.

+ Assists in identifying areas of improvement/emerging trends to inform decision making and aide in the documentation of operational controls.

+ Presents thematic observations and recommendations to customer-facing teams and Commercial Bank leadership.

+ Adheres to Bank risk, regulatory and compliance controls.

+ Works independently and regularly handles non-routine situations.

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.

+ Commercial loan analysis, underwriting, and portfolio management experience – In-depth

+ Knowledge of commercial banking systems, products, and processes – In-depth

+ Understanding of risk management concepts specific to commercial lending

+ Prior internal audit experience at BMO, or another financial lending institution, is an asset.

+ Project management experience is an asset.

+ Stakeholder management is an asset

+ Deep knowledge of Commercial Banking gained through extensive education and business experience.

+ Verbal & written communication skills - In-depth.

+ Collaboration & team skills - In-depth.

+ Analytical and problem-solving skills - In-depth.

+ Data-driven decision making - In-depth.

+ Strong interpersonal skills.

+ Ability to work under limited supervision.

+ Entrepreneurial skills – Working.

+ Judgement skills – Working.

+ Learning agility – Working.

+ Able to navigate challenging situations effectively.

**Salary:**

$72,500.00 - $134,500.00

**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 [email protected] 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.

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

**Job Description**

U.S. Bank is seeking a **Business Risk Manager** who will manage a team of risk professionals supporting the following areas of the business:

**CMS** provides cash managed services for financial institution branches and ATMs. Services include branch and device cash ordering, armored carrier management, forecasting, reconciliation, and claims management.

**ATMB** maintains US Bank Branded ATMs in U.S. Bank branches and non-branch locations either free standing or in locations such as corporate on-site locations, merchants, and stadium branding partners.

This role partners with their assigned Line of Business, other Risk/Compliance/Audit (RCA) professionals, and RCA Managers to, depending on their function, create, implement, maintain, review or oversee an effective risk management framework. Participates in projects and/or activities that ensure compliance with applicable federal, state, and local laws and regulations. Identifies gaps and inform solutions that minimize losses resulting from inadequate internal processes, systems or human errors. Identifies, responds and/or escalates risks as appropriate. Serves as a functional liaison between the Line of Business and the Lines of Defense.

_Additional responsibilities would include:_

+ _Working closely with Senior Product Managers regarding compliance for new products;_

+ _Compliance SME work_

+ _Managing the team concerning the onboarding of new clients_

+ _Working closely with ATM Risk Management:_

+ _Working with Senior Leaders in the business to ensure we are mitigating risk_

**Basic Qualifications**

+ Bachelor's degree, or equivalent work experience

+ Typically more than six years of applicable experience

**Preferred Skills/Experience**

+ AML background strongly preferred

+ ATM experience a plus!

+ Compliance background strongly preferred

+ People leadership experience strongly preferred

+ Banking background desired

+ Considerable knowledge of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of business

+ Considerable understanding of the business line’s operations, products/services, systems, and associated risks/controls

+ Thorough knowledge of Risk/Compliance/Audit competencies

+ Strong analytical, process facilitation and project management skills

+ Effective presentation, interpersonal, written and verbal communication skills

+ Effective relationship building and negotiation skills

+ Proficient computer navigation skills using a variety of software packages, including Microsoft Office applications and word processing, spreadsheets, databases, and presentations

_This role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside of the office location for the other days._

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) .

**Benefits:**

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

+ Healthcare (medical, dental, vision)

+ Basic term and optional term life insurance

+ Short-term and long-term disability

+ Pregnancy disability and parental leave

+ 401(k) and employer-funded retirement plan

+ Paid vacation (from two to five weeks depending on salary grade and tenure)

+ Up to 11 paid holiday opportunities

+ Adoption assistance

+ Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

**EEO is the Law**

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal **KNOW YOUR RIGHTS (https://eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)** EEO poster.

**E-Verify**

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://careers.usbank.com/verification-of-eligibility-for-employment) .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $105,400.00 - $124,000.00 - $136,400.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Job postings typically remain open for approximately 20 days of the posting date listed above, however the job posting may be closed earlier should it be determined the position is no longer required due to business need. Job postings in areas with a high volume of applicants, such as customer service, contact center, and Financial Crimes investigations, remain open for approximately 5 days of the posting listed date.

**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 Operational Risk Management (ORM) Testing, Monitoring, Aggregation and Reporting team is to support organizational resilience through performance of independent testing and monitoring; and establish clear guidelines through standards for reporting and risk assessments; and provide a holistic view of Operational Risk Management (ORM) through aggregated reporting.

Operational Risk Management is looking for a Manager of Testing, Monitoring, Aggregation and Reporting to manage 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.

The Manager, Operational Risk Management (ORM), Monitoring, Aggregation & Reporting will:

+ Define and enhance processes for identifying and assessing risks (i.e., PRSA), and manage independent 2LoD testing of ORs, incl. integration of methodologies and test plans to address interconnected risks

+ Coordinate a holistic, de-duplicated independent risk assessment process

+ Identify BU risks in E2E, horizontal processes given location within the organization to look holistically across BUs and functional areas

+ Input into the risk based annual plan for testing

+ Proactively identify areas of concern or risk for targeted intervention

+ Oversee testing processes (incl. PRSA) in coordination with First Line of Defense (1LoD) and Third Line of Defense (3LoD)

+ Monitor Key Risk Indicators (KRIs) and other related metrics, and provide frequent reporting which include an overall view of risks and trends (e.g., holistic insight reporting)

+ Manage cross-functional Communities of Practice (CoPs) to share best practice techniques and pioneer new methodologies

**Required Qualifications**

+ 4 Years experience in operational risk management (e.g., within Risk and/or Internal Audit function) Understanding of critical operational risk management lifecycle activities

+ Excellent project management, communication, and interpersonal skills

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

+ Robust analytical and problem-solving skills, with an ability to analyze data, identify trends, and evaluate risk scenarios effectively

Preferred

+ Bachelor's Degree in Finance, Business, Risk Mgmt., or related field; advanced degrees (e.g., MBA, MSc) or certifications are advantageous

+ Experience in at least one of the following:

o Translating operational risk strategy and appetite into execution guidelines

o Review the tracking and identifying of issues with Key Risk Indicator (KRI) limits and risk appetite to ensure operational risks are managed within agreed thresholds

o Oversee the implementation of the operational risk governance frameworks

o Communicating and ensuring understanding and adherence to operational risk procedures and standards

o Manage the operational risk exam management processes

+ Experience in financial services industry

**ORMCM**

**Qualifications**

Salary Range: $90,000.00 to $165,000.00 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 .

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.

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.

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.

**Job:** Operations

**Primary Location:** US-Arizona-Phoenix

**Other Locations:** US-Utah-Sandy, US-Georgia-Atlanta

**Schedule** Full-time

**Tags** ORMCM

**Req ID:** 24017684

Microsoft Cloud Operations and Innovation (CO+I) is the team behind the cloud. Within CO+I, the Global Project Controls (GPC) team is responsible for delivering core datacenter infrastructure for Microsoft’s cloud business. The MS portfolio consists of complex, multi-disciplinary, large scale, multi-year datacenter construction and lease projects. We are looking for passionate, high-energy individuals to help build the cloud datacenters that power the world’s largest online services.

The **AMERS Sub Regional Risk Analyst** will be responsible for overseeing and managing the sub regional risk profile associated with the Engineering, Procurement and Construction (EPC) portfolio within the Global Project Controls (GPC) functional group. This role involves implementing risk management procedure, conducting project risk assessment, cost and schedule risk analysis, monitoring and reporting on programme risk performance. This role requires close collaboration with a diverse group of stakeholders including engineers, construction project managers, procurement teams, planners, estimators, cost analysts, and contractors to ensure effective risk management throughout the project lifecycle.

The ideal candidate will possess a deep understanding of construction project risk management and thrive in a blended corporate and construction team environment.

**This role is located either in one or all hub locations: Atlanta, GA, Phoenix, AZ, Redmond, WA, San Antonio, TX, or Washington, DC.** Relocation support will be provided, and successful candidates must ​relocate or reside within 50 miles of the hub office location. This role is eligible for hybrid or remote work, up to 100%.

Microsoft’s mission is to empower every person and every organization on the planet to achieve more. As employees we come together with a growth mindset, innovate to empower others and collaborate to realize our shared goals. Each day we build on our values of respect, integrity, and accountability to create a culture of inclusion where everyone can thrive at work and beyond.

**Responsibilities**

**Coordination**

+ Attends and advises during scheduled owner/architect/contractor and other project meetings.

+ Lead risk planning activities for projects, including scheduling and coordinating workshops with stakeholders and develop appropriate risk treatment plans

+ Contributes to fostering a knowledge sharing culture by actively participating in the risk knowledge networks and collaborative forums.

+ Assists in the review of risk governance to ensure a particular risk area is receiving the appropriate amount of attention with minimal guidance. Identifies and escalates any concerns of related to risks being monitored.

**Technical Acumen**

+ Analyze project schedules, costs, and engineering documentation to identify potential risks and gaps.

+ Knowledge of statistical methods (e.g., probability distributions, correlation analysis) for assessing uncertainty in cost and schedule forecasts.

+ Application of Monte Carlo simulations to predict project outcomes under uncertainty.

+ Ability to integrate cost and schedule data to perform risk modelling and identify potential impacts on project baselines.

+ Use technical insights to identify causes of risks and recommend solutions to project teams

**Change Management**

+ Promote a culture of risk management and governance by educating teams on new processes and driving adherence.

+ Collaborate with stakeholders to streamline processes, improve efficiencies, and ensure alignment with organizational goals.

**Risk Assessment, Treatment and Control**

+ Execute the risk management lifecycle, including data collection, analytics, and workshop facilitation, to identify and evaluate project risks.

+ Maintain and update the risk register, ensuring risks, mitigation actions, and trigger events are accurately documented and regularly reviewed.

+ Develop and implement mitigation plans in collaboration with stakeholders, ensuring accountability and progress tracking.

+ Periodically re-evaluate risks and opportunities to assess relevance, priority, and the effectiveness of treatment plans.

**Risk Governance and Compliance**

+ Present risk assessment findings to stakeholders, ensuring awareness, gaining approval, and driving informed decision-making.

+ Collaborate with accountability owners to ensure alignment on mitigation plans and track their execution.

+ Partner with internal teams to communicate updated risk processes, enhancing adherence to governance standards.

**Data Analytics and Risk Insights**

+ Gather and analyze datasets to support risk modeling, ensuring the availability of accurate and relevant data.

+ Build and sustain analytical models to provide insights into risk prioritization, root causes, and mitigation strategies.

+ Integrate quantitative risk analysis results into portfolio-level reporting for visibility across projects and regions.

**Issue Management**

+ Identify and prioritize issues in collaboration with cross-functional teams to develop and implement resolution / recovery plans, ensuring alignment with timelines and project goals.

+ Proactive communication with stakeholders, escalation of critical issues, and continuous improvement through lessons learned and process enhancements to prevent and mitigate project disruptions effectively.

**Vendor Management**

+ Assists with the monitoring of vendor and/or contractor performance, ensuring compliance with process and reporting

+ Review vendor performance relative to risk, cost and schedule models (with cost and schedule management team) and clarifies those reports in presentations to the delivery and executive teams.

**Qualifications**

**Required Qualifications:**

+ Bachelor's Degree AND 4+ years experience in Risk Management, Engineering, Project Management, Consulting, or Business Analysis in the oil and gas, mining, public infrastructure, nuclear, or energy industries

+ OR 6+ years experience in Risk Management, Engineering, Project Management, Consulting, or Business Analysis in oil and gas, mining, public infrastructure, nuclear, or energy industries

+ OR equivalent experience

+ Experience with tools such as Safran, Omega Risk/ 365, @RISK, Primavera Risk Analysis (PRA), Acumen for risk simulation tools, or similar platforms for quantitative risk analysis

+ Working experience of quantitative models of cost and schedule

+ Experience overseeing the risk management programs of concurrent multiple projects

**Other Requirements:**

+ Ability to meet Microsoft, customer and/or government security screening requirements are required for this role. These requirements include but are not limited to the following specialized security screenings: Microsoft Cloud Background Check: This position will be required to pass the Microsoft Cloud background check upon hire/transfer and every two years thereafter.

**Preferred Qualifications:**

+ Membership with a relevant risk domain area association including: Project Management Institute (PMP, RMP); American Association Cost Engineers (PRMP, DRMP), RICS full membership (MRICS or FRICS) or equivalent

Risk Management IC4 - The typical base pay range for this role across the U.S. is USD $94,600 - $183,800 per year. There is a different range applicable to specific work locations, within the San Francisco Bay area and New York City metropolitan area, and the base pay range for this role in those locations is USD $122,000 - $200,500 per year.

Certain roles may be eligible for benefits and other compensation. Find additional benefits and pay information here: https://careers.microsoft.com/us/en/us-corporate-pay

Microsoft will accept applications and processes offers for these roles on an ongoing basis.

\#COIcareers

\#EPCcareers

\#GPCcareers

Microsoft is an equal opportunity employer. Consistent with applicable law, all qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity or expression, genetic information, immigration status, marital status, medical condition, national origin, physical or mental disability, political affiliation, protected veteran or military status, race, ethnicity, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable local laws, regulations and ordinances. If you need assistance and/or a reasonable accommodation due to a disability during the application process, read more about requesting accommodations (https://careers.microsoft.com/v2/global/en/accessibility.html) .

Join us on our mission to create a completely new, 100% digital bank that truly serves customers' best interests. We are a close-knit and fun-loving team of seasoned financial services professionals who came together for the challenge of building a bank from scratch - and we are committed to doing it all the right way (from technology infrastructure to modern marketing to customer experience).

The anticipated salary range for this role is between $144,000.00 and $180,000.00. The specific salary offered to an applicant will be based on their individual qualifications, experiences, and an analysis of the current compensation paid in their geography and the market for similar roles at the time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC offers a competitive portfolio of benefits to its employees.

We work with the flexibility and speed of a start-up. But we also have significant stability and capital from being part of the SMBC Group (Sumitomo Mitsui Banking Corporation). SMBC is the second largest bank in Japan and the 12th largest bank in the world with operations in over forty countries. And SMBC is committed to disrupting the US marketplace with ground-breaking products.

It is the best of both worlds, and we are seeking proven marketing leaders to propel us towards a national launch. We have both the ambitious growth plans and the 'patient capital' necessary to execute a multi-year plan. Join us on the journey to deliver an exciting concept of evolved banking.

**SUMMARY:**

The Credit Risk Analyst will be responsible for supporting the development and management of the Credit Risk Strategies for the Credit Card product. Under the supervision of the Credit Risk Manager, the Risk Analyst will assist in building, managing, and implementing credit strategies – including onboarding, verification, pricing, and credit assignment, as well as test strategies across various marketing channels and credit purposes. The Credit Risk Analyst will work closely with cross-functional partners across Marketing, Product, Technology, and Operations to shape and contribute to growth initiatives. In addition, the Risk Analyst will assist with ensuring internal controls documentation is maintained completely and accurately. The Risk Analyst must use domain knowledge and data-driven recommendations to drive risk-controlled growth for the organization.

**PRINCIPAL DUTIES & RESPONSIBILITIES:**

+ Develop data-driven credit underwriting strategies using a variety of traditional and alternate data sources.

+ Manage credit strategy enhancements within the area of responsibility and make compelling recommendations based on sound credit risk management principles, cost-benefit analysis, and customer experience.

+ Develop policy and procedures for credit strategy execution, including monitoring and controls to ensure intended execution of credit strategies.

+ Partner with Marketing, Product, Operations, and Technology teams to ensure smooth execution and all key control requirements are met.

+ Develop credit strategies to support partner initiatives, including changes to product strategy, marketing channels, and partnership opportunities.

+ Partner with the data science team to explore new approaches, tools, and data sources to support improvements to credit strategies.

+ Develop necessary monitoring and analytical reports to track credit risk KRIs and present insights to senior management.

+ Develop a robust testing agenda to optimize and expand the business.

+ Ensure robust loss forecasting and that all credit strategy work aligns with the firm's credit risk appetite.

+ Ensure compliance with policies and requirements for all assigned responsibilities.

**POSITION SPECIFICIATIONS:**

+ Bachelor’s degree or equivalent in quantitative fields.

+ 7-10 years of prior experience in consumer credit risk or similar quantitative role, preferably in credit card lending.

+ Proficient in Python, SQL, R for extracting data from large datasets and statistical analyses.

+ Advanced skills in Microsoft Office, specifically Excel, PowerPoint, and Word.

+ Experience with BI tools (e.g., Tableau, Looker) for report development.

+ Knowledge of credit bureau data, risk models, and free cash flow calculations.

+ Excellent analytical and problem-solving skills and ability to make sound and rational decisions with limited supervision.

+ Exceptional verbal and written communication skills, ability to communicate effectively with senior leaders.

+ Team player, serve as subject matter expert and provide guidance to peers within business units.

+ Experience with credit card products is required.

**EOE STATEMENT**

We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law.

**CCPA DISCLOSURE**

Personal Information Collection Notice: This notice contains information under the California Consumer Privacy Act (CCPA) about the categories of personal information (PI) of California residents that SMBC MANUBANK collects and the business or commercial purpose(s) for which the PI may be used. We do not sell PI. More information about our collection and use of PI may be found in our CCPA Privacy Policy at https://www.smbcmanubank.com/privacy/ccpa-disclosure . Persons with disabilities may contact our Customer Contact Center toll-free at (877) 560-9812 to request the information in this Notice in an alternative format.

Bring your heart to CVS Health. Every one of us at CVS Health shares a single, clear purpose: Bringing our heart to every moment of your health. This purpose guides our commitment to deliver enhanced human-centric health care for a rapidly changing world. Anchored in our brand — with heart at its center — our purpose sends a personal message that how we deliver our services is just as important as what we deliver.

Our Heart At Work Behaviors™ support this purpose. We want everyone who works at CVS Health to feel empowered by the role they play in transforming our culture and accelerating our ability to innovate and deliver solutions to make health care more personal, convenient and affordable.

The Cybersecurity Risk Analyst will work directly with SOC, lines of business, and third-party contacts to facilitate the actions associated with continuous monitoring to drive the cybersecurity maturity of third parties. This position is accountable for identification and analysis of risks identified through the CVS Health continuous monitoring program and collaboration with other internal organization regarding third party outreach to gain understanding of actions on discrete events. The position will facilitate the management, monitoring, and coordination of resolution regarding these events to ensure awareness and overall risk reduction.

Based on the volume of third parties in the CVS Health ecosystem, we must continue to grow our capabilities in the continuous monitoring program. This program allows us to react to externally reported events or industry-wide vulnerabilities and gain a clearer picture of our organizational exposure. This program also allows us to drive proactive interaction with our third parties to try and avoid risk scenarios before they come to fruition by driving higher engagement, collaboration, awareness and education on security topics. This program will allow CVS Health to continue driving maturity and assurance in our Third-Party Security program.

Ideal candidate for this role can work fully remote anywhere in the US or in any of the digital office locations in IL, NY, AZ or other locations.

**Required Qualifications**

+ 3+ years of experience in an IT Security/IT Risk environment with a large regulated organization

+ 3+ years of experience in risk assessment methodologies, IT/IS Policies and Standards, IT risk standards and industry best practices (ISO 27000, HITRUST, CoBIT, Managing Vendor Assessments)

+ 3+ years of experience or understanding of managing vendor assessments

+ 3+ years of experience with development and administration of risk assessments and reviews

+ 3+ years of experience with cyber security assessment processes and disciplines

+ 3+ years of experience with more than one major IT discipline (distributed computing, networks, application design and development, IT security and business recovery)

**Preferred Qualifications**

+ Previous cyber security risk assessment within Healthcare, or other highly regulated environment with CISSP, CISA, CIPP, CISM, PCIP, ISA, CTPRA

+ Experience with regulatory requirements, including HIPAA, PCI-DSS, etc

+ Knowledge and working experience with Information Security frameworks, including ISO27001 and the NIST CSF

+ Cloud, AI and/or other IT/IS background a plus

+ Strong interpersonal and oral/written communication skills, able to build relationships at all levels

+ Knowledge of IT risk standards and industry best practice approaches such as ISO 27001, HITRUST, etc

+ Knowledge of web application security testing and vulnerability testing tools.

+ Knowledge of network-level penetration testing

+ Knowledge of source code reviews using automated tools such as Veracode and/or manual analysis

**Education:**

+ Bachelor’s degree or equivalent experience (HS diploma + 4 years relevant experience)

**Pay Range**

The typical pay range for this role is:

$83,430.00 - $222,480.00

This pay range represents the base hourly rate or base annual full-time salary for all positions in the job grade within which this position falls. The actual base salary offer will depend on a variety of factors including experience, education, geography and other relevant factors. This position is eligible for a CVS Health bonus, commission or short-term incentive program in addition to the base pay range listed above.

In addition to your compensation, enjoy the rewards of an organization that puts our heart into caring for our colleagues and our communities. The Company offers a full range of medical, dental, and vision benefits. Eligible employees may enroll in the Company’s 401(k) retirement savings plan, and an Employee Stock Purchase Plan is also available for eligible employees. The Company provides a fully-paid term life insurance plan to eligible employees, and short-term and long term disability benefits. CVS Health also offers numerous well-being programs, education assistance, free development courses, a CVS store discount, and discount programs with participating partners. As for time off, Company employees enjoy Paid Time Off (“PTO”) or vacation pay, as well as paid holidays throughout the calendar year. Number of paid holidays, sick time and other time off are provided consistent with relevant state law and Company policies.

For more detailed information on available benefits, please visit Benefits | CVS Health (https://jobs.cvshealth.com/us/en/benefits)

We anticipate the application window for this opening will close on: 01/05/2025

Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state and local laws.

We are an equal opportunity and affirmative action employer. We do not discriminate in recruiting, hiring, promotion, or any other personnel action based on race, ethnicity, color, national origin, sex/gender, sexual orientation, gender identity or expression, religion, age, disability, protected veteran status, or any other characteristic protected by applicable federal, state, or local law.

Bring your heart to CVS Health. Every one of us at CVS Health shares a single, clear purpose: Bringing our heart to every moment of your health. This purpose guides our commitment to deliver enhanced human-centric health care for a rapidly changing world. Anchored in our brand — with heart at its center — our purpose sends a personal message that how we deliver our services is just as important as what we deliver.

Our Heart At Work Behaviors™ support this purpose. We want everyone who works at CVS Health to feel empowered by the role they play in transforming our culture and accelerating our ability to innovate and deliver solutions to make health care more personal, convenient and affordable.

**Position Summary**

The Lead Director, Third Party Risk Management position will provide leadership for the Third-Party Security Continuous Monitoring and Oversight team, guiding colleagues in facilitating the identification, monitoring and tracking of events impacting the third-party portfolio. The Director will oversee the program and actions needed for resolution of risks or identified gaps in the third-party portfolio to include collection and governance of information regarding third party connections and solutions.

Responsibilities include:

+ Actively seeking to implement new sources of information to enhance the understanding of the security risk ofCVS Health third parties.

+ Managing the integration of the continuous monitoring workstreams with the risk operations team to simplify complex and lengthy assessments into logical, assurance activities.

+ Identifying and implementing reporting and processes while adhering to corporate policies, regulations, industry frameworks, and best practices.

+ Providing expert advice and recommendations on third party monitoring matters ensuring understanding and facilitates the necessary actions toaddress any gaps and/or deficiencies.

+ Staying informed with regulatory requirements and industry practices and communicates/partners with IT and business colleagues keeping them informed with relevant updates and changes to the program.

To support the operational and strategic growth of the Third-Party security team, resources are needed to help drive the maturity and operational effectiveness in the new workstreams (third-party connections and continuous monitoring). Assessment activity alone will limit the depth of information regarding the risk profile of the CVSH third –party portfolio. It is imperative to drive this pillar of the program to a higher degree of operational effectiveness through automation and information management as the growth of the portfolio continues. This warrants the need for more direct management oversight to fully develop the program.

Ideal candidate for this role can work from any location in the US in fully remote model or work in one of our digital office locations in IL, NY, CT in hybrid model.

**Required Qualifications**

+ 10+ years of experience in focusing on cyber security and information technology specializing on supply chain risk and/or third party security risk management

+ 5+ years of Resource Management experience (people and projects)

+ 5+ years of experience in working with security-related regulatory matters

+ 3+ years of experience in security concepts, technologies (hardware and software) and functionalities embedded in infrastructure environments

**Preferred Qualifications**

+ Experience with Archer and/or ServiceNow

+ Leading diverse and virtual teams focusing on delivering results

+ Demonstrable ability to recognize the relevance of risk trends, issues and potential risk exposure

+ Ability to directly or indirectly work with business lines, subject matter experts and other constituents to ensure understanding of key security controls for use by our third parties

**Education:**

+ Bachelor’s degree required

**Pay Range**

The typical pay range for this role is:

$144,200.00 - $288,400.00

This pay range represents the base hourly rate or base annual full-time salary for all positions in the job grade within which this position falls. The actual base salary offer will depend on a variety of factors including experience, education, geography and other relevant factors. This position is eligible for a CVS Health bonus, commission or short-term incentive program in addition to the base pay range listed above. This position also includes an award target in the company’s equity award program.

In addition to your compensation, enjoy the rewards of an organization that puts our heart into caring for our colleagues and our communities. The Company offers a full range of medical, dental, and vision benefits. Eligible employees may enroll in the Company’s 401(k) retirement savings plan, and an Employee Stock Purchase Plan is also available for eligible employees. The Company provides a fully-paid term life insurance plan to eligible employees, and short-term and long term disability benefits. CVS Health also offers numerous well-being programs, education assistance, free development courses, a CVS store discount, and discount programs with participating partners. As for time off, Company employees enjoy Paid Time Off (“PTO”) or vacation pay, as well as paid holidays throughout the calendar year. Number of paid holidays, sick time and other time off are provided consistent with relevant state law and Company policies.

For more detailed information on available benefits, please visit Benefits | CVS Health (https://jobs.cvshealth.com/us/en/benefits)

We anticipate the application window for this opening will close on: 01/05/2025

Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state and local laws.

We are an equal opportunity and affirmative action employer. We do not discriminate in recruiting, hiring, promotion, or any other personnel action based on race, ethnicity, color, national origin, sex/gender, sexual orientation, gender identity or expression, religion, age, disability, protected veteran status, or any other characteristic protected by applicable federal, state, or local law.

**Why USAA?**

At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members.

We believe in our core values of honesty, integrity, loyalty and service. They’re what guides everything we do – from how we treat our members to how we treat each other. Come be a part of what makes us so special!

**The Opportunity**

An exciting opportunity awaits for a Risk and Compliance Risk Manager Senior to join the dynamic Information Security Compliance team! We are searching for a meticulous professional with a strong background in Identity and Access Management (IAM) with an understanding in authentication methods, user lifecycle management, access control policies, and access compliance regulations. Additionally, we are searching for someone with proven technical knowledge of IAM systems, architectures, and effective communication skills with a sharp eye for detail. This role offers a chance to create a significant impact in ensuring the security and compliance of our organization. Join us and be a part of our mission to safeguard our information assets.

We offer a flexible work environment that requires an individual to be **in the office 4 days per week.** This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL.

Relocation assistance is **not** available for this position.

**What you'll do:**

+ Partners with key team members in the business to identify, assess, aggregate and document risks and controls, including risks associated with new or modified products, services, distribution channels, regulations and third-party operations using advanced knowledge.

+ Communicates results of risk assessments to governance committees, business process owners and various levels of leadership.

+ Implements new risk policies, practices, appetites and solutions to ensure well-rounded understanding and management of risks according to industry standard process.

+ Improves and contributes to strategies, tools, and methodologies to measure, monitor, and report risks.

+ Applies working knowledge to use or produce analytical material for discussions with cross functional teams to understand business objectives and influence solution strategies.

+ Serves as a key contributor in cross-functional teams to identify, assess, aggregate and mitigate current and emerging risk events.

+ Formulates stress test plans for a line of business or the enterprise including the evaluation of results and framing of contingency plans in partnership with key business partners.

**What you have:**

+ Bachelor's degree or 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree.

+ 6 or more years confirmed experience in compliance, risk, legal or audit within the financial services or insurance industry or specialized technical fields directly related to the role.

+ Proven experience working in a highly regulated environment.

+ Advanced knowledge in a specific area of compliance laws, regulations, and regulatory expectations.

+ Consistent track record to apply detailed knowledge of regulatory compliance to consult and provide insight and mentorship.

+ Detailed knowledge of Microsoft Office tools to include Word, Excel, and PowerPoint.

+ Experience providing mentorship and standard processes to team members.

**What sets you apart:**

+ Experience in second line of defense, Information Security Compliance for Identity and Access Management, program governance, risk management, or risk assessment

+ Understanding of authentication methods, authorization protocols, access control policies, and access compliance regulations.

+ Experience producing compliance and risk reporting and trending to various partners

+ Understanding in platforms such as Okta, Azure Active Directory, Sailpoint, etc.

+ Attention to detail, timeliness, communication and ability to interact with all levels.

+ Risk and Compliance industry certifications or designations (CISSP, CRISC, CIAM, CIMP, CISM, etc.).

+ Understanding of NIST 800-53, NIST 800-63, SOC2, GDPR, etc.

+ US military experience through military service or a military spouse/domestic partner

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

**What we offer:**

**Compensation:** USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. The salary range for this position is: $99,160 - $189,530 **.**

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

**Benefits:** At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, please visit our benefits page on USAAjobs.com.

_Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting._

_USAA is an equal opportunity and affirmative action employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, national origin, age, disability, genetic information, protected veteran status, or any other legally protected characteristic._

**If you are an existing USAA employee, please use the internal career site in OneSource to apply.**

**Please do not type your first and last name in all caps.**

**_Find your purpose. Join our mission._**

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

**Why USAA?**

At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members.

We believe in our core values of honesty, integrity, loyalty and service. They’re what guides everything we do – from how we treat our members to how we treat each other. Come be a part of what makes us so special!

**The Opportunity**

The Compliance Risk Manager Lead – Information Security Compliance is responsible for providing second-line independent oversight on business products, services, and processes to ensure compliance with regulatory requirements. You will play a meaningful role in helping with performing assessments, data requests, and other regulatory interactions. You will support various requests from our federal and state regulators. Above all, you will collaborate extensively with business partners.

We offer a flexible work environment that requires an individual to be **in the office 4 days per week.** This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL.

Relocation assistance is **not** available for this position.

**What you'll do:**

+ Anticipates and identifies future needs, opportunities and potential compliance solutions, and leads cross-functional teams through the problem resolution process.

+ Assesses results of data analyses, provides credible challenge and recommends innovative compliance solutions.

+ Develops, designs and delivers compliance strategies to influence business leadership on effective solutions and may represent leadership on complex issues.

+ Maintains and expands expert knowledge of the competitive/regulatory landscape and the company's key challenges.

+ May coordinate and respond to regulatory requirements and requests and ensures the execution of examinations.

+ Implements compliance risk management activities in accordance with enterprise compliance standards.

+ Serves as the technical expert regarding compliance laws and regulations and provides direction to others on complex issues.

**What you have:**

+ Bachelor's degree. or 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree.

+ 8 or more years confirmed experience in compliance, risk, legal or audit within the financial services or insurance industry or specialized technical fields directly related to the role.

+ Demonstrated experience working in a highly regulated environment.

+ Experienced knowledge of relevant industry regulations and regulatory compliance in a specific area

+ Detailed knowledge of compliance laws, regulations, and regulatory expectations.

+ Proven track record to apply advanced knowledge of regulatory compliance to consult and provide insight and mentorship.

+ Ability to communicate effectively at all levels of management.

+ Detailed knowledge of Microsoft Office tools to include Word, Excel, and PowerPoint.

**What sets you apart:**

+ Strong understanding of information security compliance policies and procedures

+ A consistent track record to communicate effectively with executive leadership, business partners, internal audit and externally with regulators.

+ Excellent verbal and written communication skills with an ability to simplify complex topics.

+ Previous experience with project management and ability to provide advice and mentorship that confirms the end result will meet regulatory requirements.

+ Experience implementing a information security compliance strategy, which should include the following: regulatory complaint's oversight, assessment of regulatory requirements, accurate supervision, and guidance of business requirements to comply.

+ Familiarity with establishing and maintaining process controls and documentation for large, complex issues, operations, or functions.

+ High attention to detail, organized, and able to successfully lead large, complex, and time-sensitive matters.

+ Strong analytical, technical, and statistical skills. Ability to synthesize / analyze diverse information, develops recommendations, and makes decisions.

+ Compliance risk management experience in a complex institution and or highly matrixed environment related to financial services.

+ Validated ability to evaluate the business climate, anticipate change and develop compensating strategies/vision.

+ Risk and Compliance industry certifications or designations (CISSP, CISM, CRISC, MCM, AMCM, CPCU, ARM, ARC, CCEP, etc.).

+ Strong understanding of NIST 800-53, NIST 800-63, SOC2, GDPR, etc.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

**What we offer:**

**Compensation:** USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. The salary range for this position is: $120,550 - $230,400 **.**

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

**Benefits:** At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, please visit our benefits page on USAAjobs.com.

_Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting._

_USAA is an equal opportunity and affirmative action employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, national origin, age, disability, genetic information, protected veteran status, or any other legally protected characteristic._

**If you are an existing USAA employee, please use the internal career site in OneSource to apply.**

**Please do not type your first and last name in all caps.**

**_Find your purpose. Join our mission._**

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

**Job Description**

The Fraud Risk Manager position works as a manager of individual contributors supporting the Fraud Strategy team. This role will lead a team of data analysts specializing in identity fraud detection with a focus on developing rules and completing analysis to identify and prevent fraud. Critical to the candidate’s success is strong analytical and SAS/SQL programming skills, fraud domain expertise and an in-depth knowledge on the techniques used to identify and mitigate fraud trends. The ideal candidate is an established people leader who has analytical, technical, and business experience within the fraud prevention and detection domain. The position relies on the individual to be an initiative-taker, to have a collaborative mindset, and to understand key business drivers and performance metrics as it relates to fraud rules.

**Key Responsibilities**

- Lead a team of analysts who:

+ Conduct root cause analysis on identity fraud trends

+ Play an active role in daily, weekly, and monthly analysis of fraud rule performance

+ Proactively and strategically lead efforts to identify new risks to monitor, source needed data, and provide actionable recommendations based on reported results, benchmarks, and discovered patterns.

+ Perform analysis using SAS, SQL, R, Python, or similar programming languages to tie data from multiple sources together and identify emerging fraud trends.

+ Perform ad hoc analysis to understand effectiveness of current fraud controls, recommend opportunities for enhancement, and take those opportunities from ideation to implementation.

- Ongoing pursuit of deep understanding of the fraud analytics landscape and technology used across the industry to identify untapped opportunities/potential in the analytics space.

- Lead analytical projects using analytical/statistical techniques and partner with key stakeholders around the organization.

- Offer subject matter expertise on data and fraud analysis techniques.

Basic Qualifications

- Bachelor’s degree, or equivalent work experience

- Typically more than 10 years of applicable experience

Preferred Skills/Experience

- Bachelor’s degree in Business, Finance, Computer Science, Business Analytics, Statistics, or another quantitative field

- Extensive data analytics experience preferably in the financial services industry

- Considerable knowledge of applicable laws, regulations, financial services, and regulatory trends that impact Enterprise Fraud

- In-depth knowledge of fraud-related concepts and technology

- Excellent presentation, interpersonal, written, and verbal communication skills

- Exceptional problem solving, critical thinking, and troubleshooting skills

- Ability to prioritize and manage multiple tasks, while establishing reasonable deadlines

- Flexibility in day-to-day work and tolerance for ambiguity

- Positive ‘can-do’ attitude and a strong desire to continue to learn and ask questions

- Extensive experience in financial services products, systems, and data

- Ability to work well in a team environment, but also independently

- Ability to build cross-functional relationships, even in a remote environment

- Strong attention to detail and organizational abilities

- Ability to work with and influence at all levels of the organization, including with senior leadership

- SAS, SQL, R or Python experience

- Knowledge of financial services products, systems, and data preferably within the fraud domain

- Proficient computer skills, especially Microsoft Office applications and data analysis software

The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) .

**Benefits:**

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

+ Healthcare (medical, dental, vision)

+ Basic term and optional term life insurance

+ Short-term and long-term disability

+ Pregnancy disability and parental leave

+ 401(k) and employer-funded retirement plan

+ Paid vacation (from two to five weeks depending on salary grade and tenure)

+ Up to 11 paid holiday opportunities

+ Adoption assistance

+ Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

**EEO is the Law**

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal **KNOW YOUR RIGHTS (https://eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)** EEO poster.

**E-Verify**

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://careers.usbank.com/verification-of-eligibility-for-employment) .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $133,365.00 - $156,900.00 - $172,590.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Job postings typically remain open for approximately 20 days of the posting date listed above, however the job posting may be closed earlier should it be determined the position is no longer required due to business need. Job postings in areas with a high volume of applicants, such as customer service, contact center, and Financial Crimes investigations, remain open for approximately 5 days of the posting listed date.