**About this role:**

Wells Fargo is seeking Senior Credit Risk Specialist to provide credit risk oversight for large credit Merchant Services portfolio.

**In this role, you will:**

+ Operate within an Independent Risk Management (IRM) framework and will provide senior management with an independent perspective of the level of risk to which the business is exposed across all risk types

+ Work collaboratively across the Business and Independent Risk Management

+ Regularly present to senior management in Consumer Lending and Risk Management on the risk position of the Merchant Services large credit portfolio

+ Assists in identifying material, aggregate and emerging risks

+ Identify and escalate risk and control issues to the Head of Risk Strategy and Portfolio Oversight Team in a timely manner and in accordance with company policies and procedures

+ As applicable Identify and drive opportunities to increase effectiveness and efficiency through use of internal customer data, risk analytics, risk modeling and automation

+ Promote a strong risk management culture and discipline throughout Merchant Services

+ Demonstrate and sponsor appropriate risk management and leadership behaviors in support of doing what is right for our clients, people as a competitive advantage and ethics

+ Advise Merchant Services leadership regarding appropriate operations policies and processes leveraging risk management metrics/business scorecard, track performance and monitor trends across the business

+ Oversee and actively manage risks within the approved risk appetite and oversee the continued refinement and/or development of appropriate controls

+ Regularly present to senior management in Consumer Lending, and Risk Management

+ Support credit policy change management process and act as a subject matter expert for Merchant Services policies and procedures

**Required Qualifications:**

+ 4+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

**Desired Qualifications:**

+ Merchant underwriting experience highly desired

+ Commercial credit underwriting experience or audit experience

+ Knowledge of treasury products (payments or merchant services)

**Posting** **Locations:**

+ 401 S. Tryon - Charlotte, North Carolina

+ 1445 Ross Ave - Dallas, Texas

+ 600 Wells Frago - Minneapolis, Minnesota

+ 1150 W. Washington - Tempe, Arizona

+ 800 S. Jordan Creek Pkwy - West Des Moines, Iowa

+ 114 N. Beaumont Street - Saint Louis, Missouri

**Job Expectations:**

+ Required location(s) listed above. Relocation assistance is not available for this position.

+ This position currently offers a hybrid work schedule.

+ This position is not VISA sponsorship eligible.

**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.

$84,000.00 - $149,400.00

**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:**

12 Jun 2025

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

**We Value Equal Opportunity**

Wells Fargo is an equal opportunity employer. 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.

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.

**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-461556