Senior Non-Financial Risk Specialist - Business Banking

ING España&Portugal; Madrid; On-site; EUR 70,000 - 95,000; Full time

Job summary

ING Spain & Portugal is seeking a skilled Non-Financial Risk (NFR) Specialist with a Business Banking background to join the NFR team. You will report to the Head of NFR and help ensure the control environment aligns with the bank's risk appetite.

You will deepen understanding of Business Banking processes, perform risk assessments, support governance, incident management and regulatory monitoring, and collaborate with stakeholders to foster a strong risk culture.

Qualifications

• Experience as Non-Financial Risk analyst focused on Business Banking.
• University degree or equivalent.
• Insight of digital banking, related Business Banking processes and regulations.
• Experience on end-to-end process analysis to identify and assess NFR risks, including root causes analysis.
• Expertise on testing methodologies.
• Driving impact and collaborating skills in multidisciplinary risk teams.
• Sound risk criteria: ability to be firm when needed and show flexibility when required.
• Proactivity and executive communication skills.
• Fluent in English (written and spoken).

Responsibilities

• Have a deep understanding of Business Banking products, processes, customer journeys, and associated non-financial risks.
• Act as a trusted partner and advisor to business management, providing effective challenge, risk advice, and oversight to ensure risks are identified, assessed, mitigated, and monitored in line with the bank’s risk appetite and regulatory requirements.
• Provide strong expertise in governance, operational risk management, controls’ effectiveness, risk assessments, incident management, and change initiatives, combined with the ability to collaborate with stakeholders across the organization to drive a strong risk culture and support sustainable business growth.
• Support, challenge and monitor NFR risk management processes and quality.
• Participate in and challenge risk assessments and PARPs on key strategic projects and programs.
• Contribute to the development, maintenance and roll out the NFR Frameworks, Policies, Minimum Standards and Procedures.
• Perform Quality Assurance or deep dive reviews as part of second line monitoring.
• Contribute to the identification of the impact of and the coordination of responses to law and regulatory changes, ECB reports, etc. and monitors the follow-up of the regulatory issue solving.
• Foster Risk Management awareness within the organization, develop and maintain training modules and train the business communities.
• Provide outside-in perspective and support with research, assessment of the risk profile of organization and reporting to Senior Management.

Skills

NFR analysis

Business Banking

Governance & risk

Data analysis

Stakeholder collaboration

Regulatory awareness

Executive communication

Proactive mindset

English fluency

Root-cause analysis

Education

University degree

Job description

ING Spain & Portugal is seeking a skilled Non-Financial Risk (NFR) Specialist with a Business Banking background to join the NFR team. You will report to the Head of NFR and help ensure the control environment aligns with the bank's risk appetite.

You will deepen understanding of Business Banking processes, perform risk assessments, support governance, incident management and regulatory monitoring, and collaborate with stakeholders to foster a strong risk culture.