First Line Risk Senior Manager – Fraud & Claims

Overview

Description At Citizens, we’re more than a bank and as a part of our team you’re made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself!

Position First Line Risk Senior Manager for the Consumer Deposits & Lending Servicing business. You will represent the First Line of Defense to identify, analyze, and mitigate potential risks within the business lines’ risk and controls environment. This includes assessment of the likelihood and impact of a risk event and understanding the bank’s risk appetite. You will serve as a trusted risk advisor, interfacing with business partners to drive meaningful identification and mitigation of risk.

You will provide and direct complex analysis of business processes and strategies to establish mitigating controls, risk thresholds, and continuously monitor the business’ control environment. This role will be responsible for proactively reviewing, analyzing, and identifying new and emerging risks in the business, escalating to the Risk Director as appropriate.

To thrive as a colleague at Citizens, candidates must demonstrate a strong customer-centric mindset, exhibit persistence and resilience in the face of challenges, and embrace continuous learning to adapt and grow in a dynamic environment. You will promote a culture of risk awareness and accountability through training, education, and risk management consultative support. You will work with the Risk Director/Sr. Director to adhere to internal governance processes and controls for new risk strategies and provide suggestion for remediation.

You will participate in change control efforts within the business line to ensure impacts are appropriately assessed, documented, and implemented. You will work closely with Second and Third Line of Defense partners to ensure they have transparency to the state of risk within the business, inclusive of risk related to applicable state and/or federal regulatory requirements.

• Identify, analyze, and mitigate risks within the Consumer Deposits & Lending Servicing business lines as part of the First Line of Defense.
• Assess likelihood and impact of risk events and understand the bank’s risk appetite.
• Provide and direct complex analyses of processes and strategies to establish mitigating controls and risk thresholds; continuously monitor the control environment.
• Review, analyze, and identify new and emerging risks; escalate as appropriate to the Risk Director.
• Promote risk awareness and accountability through training, education, and risk management support.
• Collaborate with Governance, Risk Management, and Compliance (GRC) and other control functions to ensure effective risk management and remediation where needed.

• 5+ years’ experience in Risk Management, Audit, or Compliance
• Prior experience implementing and supporting enterprise-wide Risk programs
• Experience with Governance, Risk Management, and Compliance (GRC) platforms
• Knowledge and understanding of regulatory and legislative guidelines
• Demonstrated interpersonal relationship building and team facilitation skills
• Proven leadership skills
• Ability to work in a fast-paced environment with competing priorities
• Excellent communications skills, both written and verbal

• Bachelor’s Degree OR at least 5 years of work experience
• Preferred Certifications – Certified Internal Auditor (CIA), Certified Risk Professional (CRP), Certified Regulatory Compliance Manager (CRCM)

Hours per Week: 40

Work Schedule:

Monday-Friday
(4 days in office, 1 day remote)

The salary range for this position is $115,000-$145,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more.

Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state…