Chief Risk Office Business-Line Risk Manager - Payment Services (Consumer & Small Business Credit Cards)

U.S. Bank; Gresham (OR); On-site; USD 124,000 - 146,000; Full time

Benefits offered by this job

Healthcare

401(k)

Paid vacation

Disability insurance

Parental leave

Job summary

U.S. Bank is seeking an experienced risk leader in credit card processes who can shape materials for business and regulatory initiatives and translate complex requirements into clear outcomes.

The role covers end-to-end support for new-to-market credit card launches, including concept development, offers, product structures, customer communications, UX reviews and UAT testing, with strong leadership across branded partners.

Qualifications

• Bachelor's degree or equivalent work experience.
• Typically more than eight years of applicable experience.
• Experience in credit card risk, governance and content review.

Responsibilities

• Collaborate with Line of Business and RCA teams to implement risk framework.
• Identify gaps and drive solutions to minimize losses.
• Serve as liaison between business lines and Lines of Defense.

Skills

Analytical skills

Project management

Communication skills

Negotiation skills

Regulatory acumen

Education

Bachelor's degree or equivalent

Tools

Microsoft Office Suite

Job description

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential.

A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

Are you a first line-of-defense risk leader passionate about credit card processes? We're looking for a seasoned professional who can combine deep risk expertise with a keen eye for content quality, helping shape and strengthen the materials that drive high-impact business and regulatory initiatives. The ideal candidate is an accomplished risk leader with extensive expertise in credit card risk, governance, and content review, recognized for driving strategic initiatives through insightful analysis, strong regulatory acumen, and the ability to translate complex requirements into clear, actionable outcomes.

We are looking for extensive end-to-end experience supporting new-to-market credit card launches. The role requires leadership across concept development, offer calculations, product structure, customer-facing communications (key focus), user experience reviews and UAT testing support. While regulatory, process and product knowledge is important, the critical success factor is the ability to lead, influence, and guide branded partners throughout the product development and implementation process.

Responsibilities

Partners with their assigned Line of Business, other Risk/Compliance/Audit (RCA) professionals, and RCA Managers to, depending on their function, create, implement, maintain, review or oversee an effective risk management framework. Participates in projects and/or activities that ensure compliance with applicable federal, state, and local laws and regulations. Identifies gaps and inform solutions that minimize losses resulting from inadequate internal processes, systems or human errors. Identifies, responds and/or escalates risks as appropriate. Serves as a functional liaison between the Line of Business and the Lines of Defense.

Basic Qualifications

• Typically more than eight years of applicable experience.
• Bachelor's degree, or equivalent work experience.

Preferred Skills/Experience

• Considerable knowledge of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of business.
• Considerable understanding of the business line’s operations, products/services, systems, and associated risks/controls.
• Thorough knowledge of Risk/Compliance/Audit competencies.
• Strong analytical, process facilitation and project management skills.
• Effective presentation, interpersonal, written and verbal communication skills.
• Effective relationship building and negotiation skills.
• Proficient computer navigation skills using a variety of software packages, including Microsoft Office applications and word processing, spreadsheets, databases, and presentations.
• Applicable professional certifications.

LOCATION EXPECTATIONS

• This role requires working onsite from a U.S. Bank location three or more days per week.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits:

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short-term and long-term disability
• Pregnancy disability and parental leave
• 401(k) and employer-funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $124,355.00 - $146,300.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

Posting may be closed earlier due to high volume of applicants.