Business Risk & Control Officer

Metropolitan-Commercial-Bank; New York (NY); Hybrid; USD 160,000 - 180,000; Full time

Job summary

Metropolitan Commercial Bank is seeking a Business Risk & Control Officer (Retail) to strengthen first‑line risk and controls within Retail Banking. You will build practical, sustainable controls, address emerging risks, and drive improvements across products, processes, and customer-facing activities.

Collaborating with Retail Banking leadership and other risk, audit, and finance teams, you will support regulatory readiness, issue management, and a culture of accountability.

Qualifications

• 8+ years in retail banking operations, branch processes, and internal control concepts.
• Ability to document processes, assess risk impact, and propose remediation actions.
• Strong analytical, problem solving, organizational and deadline-driven skills.
• Effective written and verbal communication translating risk issues for business.
• Collaborate with control partners while maintaining escalation discipline.
• Interest in using AI tools to enhance risk management and efficiency.

Responsibilities

• Serve as a first line risk and control partner to Retail Banking leadership.
• Document gaps, track remediation plans, and monitor target dates.
• Support risk assessments, KRIs, and control self-assessments.
• Coordinate with Compliance, ERM, Internal Audit, Finance and Operations.

Skills

Retail banking operations

Risk & control documentation

Analytical thinking

Communication skills

Cross-functional collaboration

AI in risk management

Job description

Metropolitan Commercial Bank (“MCB” or the “Bank”) is a New York City–based, full-service commercial bank providing tailored banking solutions to businesses, institutions, and individuals. Founded in 1999, MCB operates banking centers in Manhattan and Boro Park, Brooklyn, within New York City, as well as in Great Neck on Long Island, New York, and Lakewood, New Jersey. The Bank recently expanded to Miami, Florida with their newest Brickell banking center.

Metropolitan Commercial Bank offers a comprehensive suite of commercial, business, and personal banking products and services to small businesses, middle-market and corporate enterprises, private and public institutions, municipalities, and local government entities.

The Bank has earned national recognition for its financial performance, innovation, and strategic growth. The Bank was named one of Newsweek’s Best Regional Banks in 2024 and 2025. Additionally, MCB recently received Editor’s Choice recognition at the Banking Tech Awards USA for Digital Onboarding & Omnichannel Banking and in 2026, the Bank earned Great Place To Work certification and received the Web Award Standard of Excellence for MCBankNY.com.

We are a client-focused organization that values technological innovation and excellence. A strong technical mindset, AI fluency, and adaptive skills are essential for our employees to effectively contribute to our mission and drive our success. We foster human–AI teaming and strong governance to ensure technology is used responsibly and in alignment with Bank policies and procedures. For more information about the Bank, please visit the Bank’s website at MCBankNY.com .

Position Summary

The Business Risk & Control Officer (Retail) is a high-impact opportunity to help shape and strengthen first line risk management within a dynamic Retail Banking business. This role will be central to building practical, sustainable controls; identifying and addressing emerging risks; and driving improvements across retail operations, products, processes, and customer-facing activities. The position is ideal for a proactive risk professional who enjoys solving problems, partnering with business leaders, and making risk management and compliance frameworks a practical enabler of safe, effective growth.

Working closely with Retail Banking leadership, Enterprise Risk Management, Compliance, Internal Audit, Finance, Operations, Information Security, and other key stakeholders, this individual will help advance a strong control environment, support audit and regulatory readiness, improve issue management, and promote a culture of accountability and continuous improvement. The position reports to Retail Banking leadership with a strong dotted-line partnership to the Enterprise Risk Management function.

Standard 4-day in-office requirement, 1 day remote (of your choosing andsubject to manager’s approval)

Essential Functions & Responsibilities

• Serve as a first line risk and control partner to Retail Banking leadership, supporting the identification, assessment, monitoring, and reporting of risks across retail products, processes, branches, digital banking activities, and operational workflows.
• Maintain awareness of applicable policies, procedures, regulatory requirements, and risk appetite expectations impacting Retail Banking activities.
• Support preparation of risk updates (including key risk indicators), control status reporting, issue summaries, policy updates, and other materials for Retail Banking management and various risk governance forums.

Control Execution, Monitoring & Testing Readiness

• Coordinate with process owners to document, execute, and evidence key retail controls, including controls related to new account opening, dormant account monitoring, reconciliations, customer servicing, and other operational processes utilized by the Retail Banking department.
• Review control documentation and supporting evidence for completeness, accuracy, timeliness, and alignment with established procedures.
• Support management’s readiness for internal control reviews, SOX-related activities, compliance monitoring, internal audit, and regulatory examinations.

Issue Management & Remediation

• Identify, document, and evolve control gaps, process breakdowns, emerging risks, incidents, and audit or compliance findings in a timely manner.
• Partner with Retail Banking process owners to develop remediation plans, define corrective actions, establish target dates, and track progress through closure.
• Validate that remediation efforts address root causes and result in sustainable control improvements.

Risk Assessments, KRIs & Process Improvement

• Support retail risk assessments, risk and control self‑assessments, control mapping, and key risk indicator development or refresh activities.
• Analyze trends in operational losses, exceptions, customer complaints, quality control results, audit findings, and other risk indicators to identify themes and improvement opportunities.
• Recommend practical control enhancements, process improvements, and documentation updates that support efficient operations and effective risk management.

Cross-Functional Coordination

• Collaborate with Compliance, Enterprise Risk Management, Internal Audit, Finance, Operations, Technology, Information Security, and other control partners to support Retail Banking risk priorities.
• Assist with policy, procedure, and training updates that affect Retail Banking controls, customer-facing processes, and operational risk management.
• Promote a culture of accountability, timely escalation, and control ownership within the Retail Banking business.

Qualifications & Skills:

• 8+ years of retail banking operations, branch processes, customer account servicing, operational risk, and internal control concepts.
• Ability to document processes, identify control gaps, assess risk impacts, and recommend practical remediation actions.
• Strong analytical, problem‑solving, organizational, and follow‑up skills with attention to detail and deadlines.
• Effective written and verbal communication skills, including the ability to translate risk and control issues into clear business language.
• Ability to work collaboratively with business partners, control functions, and senior stakeholders while maintaining independence of thought and appropriate escalation discipline.
• Driven by a passion and curiosity to continuously learn how various technological systems, including AI, can enhance the work performed within Retail Banking risk and control environments.

Preferred Qualifications & Skills

• Experience with risk and control self‑assessments, SOX controls, issue management, audit remediation, control testing, or compliance monitoring preferred.
• Knowledge of banking regulations and expectations relevant to retail banking operations, including deposit account opening, customer servicing, complaints, fraud risk, and operational controls preferred.
• Experience using GRC tools (e.g., Riskonnect, AuditBoard), workflow, reporting, or data analysis tools preferred.
• Understanding of, or demonstrated interest in using, Artificial Intelligence tools such as Microsoft Copilot to improve productivity, analysis, documentation, and risk management processes preferred.
• Professional certification such as CRCM, CIA, CRMA, CERP, or similar risk, compliance, audit, or banking certification is a plus.

Potential Salary: $160,000 - $180,000 annually

This salary range reflects base wages and does not include benefits, bonus, or incentive pay. Salary bands are purposefully wide ranging to encompass the different factors considered in determining where a candidate falls in the range, including but not limited to, seniority, performance, experience, education, and any other legitimate, non-discriminatory factor permitted by law. Final offer amounts are determined by multiple factors including candidate experience and expertise and may vary from the amounts listed here.

Metropolitan Commercial Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.

This applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.

MCB maintains a drug free workplace.