Business Risk Officer

Frost; San Antonio (TX); On-site; USD 110,000 - 140,000; Full time

Benefits offered by this job

401(k) matching

Health & wellness programs

Paid time off

Tuition reimbursement

Job summary

Frost seeks a Business Risk Officer in Texas to lead first-line risk and compliance, embed a strong culture of integrity, and ensure governance across enterprise initiatives. You will document, assess, and remediate risk, work with legal, auditors, and examiners, and promote a culture of care and excellence in daily operations.

The role emphasizes collaboration, strategic risk assessment, and ensuring effective controls within a leading Texas bank with a 155-year legacy.

Qualifications

• 6+ years of experience in risk management, internal audit, or compliance within financial services.
• Strong understanding of bank products, operations, and regulatory environment.
• Excellent written and verbal communication skills.

Responsibilities

• Promote and reinforce a strong risk and compliance culture across daily operations by translating enterprise governance, regulatory guidance, and policy requirements into practical, business unit processes and controls
• Lead first-line risk and compliance governance, including risk assessments and RCSAs, key risk indicator monitoring, control testing, exception reviews, issue remediation, and ensuring Compliance with regulatory and internal standards
• Oversee the identification, evaluation, and documentation of issues, control gaps, and emerging risks to ensure proper escalation, tracking, and timely remediation of operational incidents and exceptions
• Manage updates to processes, procedures, and the risk & controls library, while leading operational improvement projects, business continuity planning, and vendor review activities
• Coordinate with second-line risk and compliance, legal, auditors, and examiners by serving as the primary liaison for compliance and risk questions, examinations, and audits
• Integrate risk and compliance into change management by assessing the risk and control impacts of business initiatives, updating documentation, and advising leadership on personnel-related risks, including training, role clarity, and segregation of duties
• Always take action using Integrity, Caring, and Excellence to achieve all-win outcomes

Skills

Risk management

Internal audit

Compliance

Analytical thinking

Communication

Education

Bachelor’s degree in business or related field

Tools

Microsoft Office

Job description

Job Description

It’s about taking care of people, our people.

Are you known as an organized individual? Do you enjoy working independently and with a team? Do you find yourself creating a task list daily? If so, then the Business Risk Officer role may be right for you! At Frost, it’s about more than a job. It’s about having a flourishing career where you can thrive, both in and out of work. At Frost, we’re committed to fostering an environment that reflects our values and encourages team members to be the best they can be. In joining our adaptable, integrity-driven team, you’ll become part of Frost’s 155-year legacy of providing unparalleled banking services.

Who You Are

As a Business Risk Officer you are our risk navigator. You will oversee first-line of defense compliance activities by identifying, documenting, and resolving various types of risk. You are excited to promote and reinforce a strong risk and compliance culture within Frost. You are passionate about your field and cannot wait to utilize your experience. Most importantly, this role is about delivering not just answers, but assurance with integrity, caring, and excellence in mind.

What You’ll Do

• Promote and reinforce a strong risk and compliance culture across daily operations by translating enterprise governance, regulatory guidance, and policy requirements into practical, business unit processes and controls
• Lead first-line risk and compliance governance, including risk assessments and RCSAs, key risk indicator monitoring, control testing, exception reviews, issue remediation, and ensuring Compliance with regulatory and internal standards
• Oversee the identification, evaluation, and documentation of issues, control gaps, and emerging risks to ensure proper escalation, tracking, and timely remediation of operational incidents and exceptions
• Manage updates to processes, procedures, and the risk & controls library, while leading operational improvement projects, business continuity planning, and vendor review activities
• Coordinate with second-line risk and compliance, legal, auditors, and examiners by serving as the primary liaison for compliance and risk questions, examinations, and audits
• Integrate risk and compliance into change management by assessing the risk and control impacts of business initiatives, updating documentation, and advising leadership on personnel-related risks, including training, role clarity, and segregation of duties
• Always take action using Integrity, Caring, and Excellence to achieve all-win outcomes

What You’ll Need

• Bachelor’s degree in business, or a related field, or equivalent work experience
• 6+ years of relevant experience in risk management, internal audit, compliance, or related roles within financial services
• Strong understanding of bank products, operations, and regulatory environment
• Demonstrates strong analytical and problem-solving skills
• Proven ability to influence and collaborate
• Excellent written and verbal communication skills
• Proficiency in Microsoft Office applications

Our Benefits

At Frost, we care about your health, your family, and your future and strive to have our benefits reflect that. This includes:

• Medical, dental, vision, long-term disability, and life insurance
• 401(k) matching
• Generous holiday and paid time off schedule
• Tuition reimbursement
• Extensive health and wellness programs, including our Employee Assistance Program
• Referral bonus program + more

Since 1868, Frost has dedicated their expertise to provide exceptional banking, investment, and insurance services to businesses and individuals throughout Texas. Frost is one of the 50 largest U.S. banks by asset size and is a leader in banking customer satisfaction. At Frost, it’s about being part of something bigger.