Fair and Responsible Banking Risk Consultant

U.S. Bank; Charlotte (NC); On-site; USD 98,000 - 116,000; Full time

Job summary

U.S. Bank seeks a FaRB Risk Consultant to support the Fair and Responsible Banking program within Corporate Compliance. This role is part of the second line of defense and leads efforts to review practices, assess UDAP/UDAP risks, and promote sound risk management.

You will leverage data and reporting to identify observations, develop guidance, and communicate insights to cross-functional teams, driving a scalable FaRB risk framework across the organization.

Qualifications

• Bachelor's degree or equivalent work experience.
• Typically more than six years of applicable experience.
• Knowledge of fair lending and UDAP/UDAAP risks.
• Experience supporting FaRB program activities and governance.
• Ability to interpret regulatory expectations and translate them into practical guidance.
• Strong analytical, problem-solving and data-interpretation skills.
• Effective written and verbal communication and governance support.
• Experience with project management and stakeholder engagement.

Responsibilities

• Support the FaRB Program within Corporate Compliance.
• Review business practices and customer-facing processes to identify risk.
• Develop practical guidance promoting sound risk management.
• Use data and reporting to identify observations and trends.
• Collaborate with partners across the organization to align FaRB risk management.

Skills

Fair lending knowledge

Risk assessment

Stakeholder engagement

Regulatory interpretation

Data analysis

Communication

Project management

Regulatory trends

Risk/Compliance/Audit competencies

Analytical problem solving

Education

Bachelor's degree, or equivalent work experience

Tools

Microsoft Office

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

The Fair and Responsible Banking Risk Consultant will support the Fair and Responsible Banking (FaRB) Program within Corporate Compliance in the second line of defense. This role helps execute the FaRB Program and contributes to the effective governance and oversight of fair lending and UDAP/UDAAP risks. The FaRB Risk Consultant will work cross-functionally to review business practices and customer-facing processes, supporting efforts to assess risk, identify emerging issues, and develop practical guidance that promotes sound risk management. The individual in this role will support program initiatives and activities by using data, reporting, and other information to identify observations and trends and communicate clear, actionable insights. The FaRB Risk Consultant will also work with partners across the organization to promote alignment and support a consistent, scalable approach to managing FaRB risk.

Basic Qualifications

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

Preferred Skills/Experience

• Working knowledge of fair lending and UDAP/UDAAP risks, with the ability to identify and assess risk drivers across consumer products and related processes.
• Experience supporting fair and responsible banking program activities, such as translation / Limited English Proficiency, program governance, risk assessment, and stakeholder engagement.
• Ability to interpret regulatory expectations and internal policies, translating them into practical guidance and supporting effective challenge of business practices and controls.
• Strong analytical and problem-solving skills, including the ability to interpret data, identify trends, and communicate risk insights clearly.
• Effective communication skills, with experience supporting routine governance activities, preparing materials, and responding to internal and external inquiries.
• Experience supporting project management activities, including tracking actions, assessing progress, and ensuring timely completion of program objectives.
• 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 from a U.S. Bank Location three (3) 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:

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind.

Our benefits include the following:

• 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

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.

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: $98,175.00 - $115,500.00

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.

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

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.