Senior Director, Product and Business Risk Oversight

Who we are

Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next‑generation financial services company and national bank using innovative, mobile‑first technology to help our millions of members reach their goals. The industry is undergoing an unprecedented transformation, and we’re at the forefront.

This role is part of the Enterprise Risk Management (ERM) team within Independent Risk Management (IRM). It serves as the central Business Unit Risk Officer, establishing company‑wide requirements to assess New Products and Change Initiatives, and developing ongoing governance of risk management practices for products offered internationally.

• Serve as the first point of contact and escalation path for risk matters within the assigned businesses.
• Advise business leadership on risk implications of strategic initiatives, product changes, market entry/exit decisions, and operational transformations.
• Lead IRM deal teams in partnership with the Business Compliance Officer, coordinating inputs from functional risk leads to produce a holistic IRM view.
• Influence and challenge senior management constructively, ensuring balanced risk/reward decisions.
• Establish and oversee policy requirements for the assessment of new, modified, and expanded products as well as business change initiatives.
• Provide second‑line oversight of the end‑to‑end product lifecycle to ensure alignment with the bank’s risk appetite, regulatory expectations, and strategic objectives.
• Define minimum risk management standards for new, modified, or expanded products across all risk types (credit, market, liquidity, operational, compliance, etc.).
• Architect the ongoing IRM operating model for products globally, establishing governance structures, policies, and monitoring standards necessary to identify, measure, manage, and elevate risk across categories.
• Establish clear new‑product approval thresholds, documentation standards, and escalation protocols.
• Set expectations for post‑launch product review and performance monitoring.
• Serve as the central IRM lead partnering across IRM to develop ongoing international risk management requirements and country‑level risk governance structures, including risk appetite, limits, policies, and reporting.
• Adapt the ERM framework to local regulatory and risk environments while maintaining global consistency.

• Bachelor’s degree in Finance, Economics, Business Administration, Risk Management, or related field.
• 12+ years of experience in risk management within financial services, with exposure to multiple risk disciplines and operating under globally recognized regulatory regimes.
• Demonstrated experience building Independent Risk Management practices, implementing risk frameworks, or overseeing risk governance across multiple regions.
• Strong understanding of principles across risk categories including credit, operational, market, and financial‑crime risk.
• Proven experience in a leadership or senior advisory role with accountability for risk oversight at a business‑line level.
• Strong understanding of banking products, services, and regulatory requirements.
• Demonstrated ability to operate effectively in a matrixed environment, collaborating across multiple functions and geographies.
• Strategic Risk Thinking – ability to synthesize complex, cross‑disciplinary risk information into clear, actionable insights.
• Influence & Collaboration – builds trust and drives alignment across multiple stakeholder groups in a matrix structure.
• Challenge & Oversight – constructively challenges assumptions, decisions, and risk‑taking behaviors while remaining solution‑oriented.
• Execution & Accountability – drives risk programs to completion, ensuring tangible business outcomes.
• Communication Excellence – communicates risk issues and recommendations effectively at all organizational levels.

• Master’s degree (MBA, MS in Risk Management, or related discipline).
• Professional certifications such as FRM, PRM, CFA, or CRCM.
• Experience interfacing with regulators and external auditors.

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