First Line Risk Sr Analyst

Citizens; Charlotte (NC); Hybrid; USD 80,000 - 85,000; Full time

Benefits offered by this job

Medical, dental and vision coverage

Retirement benefits

Flexible work arrangements

Job summary

Citizens in Charlotte, NC seeks a First Line Senior Risk Analyst to join the Commercial Banking Monitoring & Testing team. You will execute monitoring and testing across banking products, support RCSAs, and partner with business stakeholders to strengthen controls.

The role emphasizes hands-on risk management, control design assessment, and issue remediation. Ideal candidates have 3–7 years in financial services risk, strong analytical skills, and proficiency with JIRA, Confluence, and Excel.

Qualifications

• 3–7 years of experience in risk management, controls, monitoring and testing within financial services.
• Experience with risk monitoring, testing, validation, and issue management.
• Strong analytical, problem-solving, and communication skills.
• Proficiency with Excel and Microsoft Office.
• Bachelor's Degree in a relevant field.

Responsibilities

• Execute control monitoring and testing activities across commercial banking products, processes, and services.
• Assess control design and operating effectiveness; recommend improvements.
• Develop and enhance monitoring programs, testing methodologies, and key control metrics.
• Identify opportunities for automated testing and data-driven risk insights.
• Support RCSAs, risk and control inventories, and issue remediation tracking.

Skills

Risk monitoring

Testing

Issue management

RCSA support

Data analysis

Stakeholder collaboration

Excel

Communication

JIRA

Confluence

Education

Bachelor's Degree

Tools

JIRA

Confluence

Tableau

Archer

WDesk

Job description

Description

First Line Senior Risk Analyst – Commercial Banking Monitoring & Testing

Charlotte, NC | Hybrid (4 Days Onsite)

Work Authorization

This role is not eligible for visa sponsorship. Applicants must be authorized to work in the United States without sponsorship, now or in the future.

Overview

Citizens is seeking a First Line Senior Risk Analyst to join the Commercial Banking Monitoring & Testing team.

This role supports Citizens' Commercial Banking business, including lending, deposit, treasury management, and related client solutions. The successful candidate will help identify, assess, monitor, and strengthen controls supporting commercial banking activities while partnering directly with business stakeholders to manage operational risk.

This is a hands‑on first‑line risk role focused on executing monitoring and testing activities, supporting Risk & Control Self‑Assessments (RCSAs), maintaining risk inventories, identifying control weaknesses, and driving issue remediation through closure.

The ideal candidate enjoys working closely with business partners, understands how controls operate within business processes, and takes ownership of risk management activities from identification through resolution.

Primary Responsibilities

Control Monitoring & Testing

• Execute control monitoring and testing activities across commercial banking products, processes, and services.
• Assess control design and operating effectiveness and recommend improvements based on testing results and analysis.
• Participate in the development and enhancement of monitoring programs, testing methodologies, and key control metrics.
• Identify opportunities for automated testing, continuous monitoring, and data‑driven risk insights.

Risk & Control Management

• Support Risk & Control Self‑Assessments (RCSAs), risk inventories, and control inventories.
• Partner with business stakeholders to identify risks, evaluate controls, and strengthen the overall control environment.
• Document risks, controls, testing results, findings, and recommendations.
• Monitor issue remediation efforts and support sustainable issue closure.

Regulatory & Risk Governance Support

• Support exam management activities through the delivery of testing documentation, monitoring results, and risk analysis.
• Maintain awareness of applicable regulatory requirements and internal risk management standards.
• Ensure testing and monitoring activities align with enterprise risk frameworks and business requirements.

Analytics & Reporting

• Develop and maintain testing documentation, metric definitions, process flows, and reporting requirements.
• Utilize metrics, data analysis, and visualizations to deliver meaningful insights to business partners, risk leadership, and senior management.
• Partner with team members to identify trends, emerging risks, and opportunities for process improvement.

Ideal Candidate Profile

The ideal candidate has experience executing risk and control activities within a financial services environment, including control monitoring, control testing, issue management, remediation tracking, and RCSA support.

Candidates who have worked closely with business stakeholders in Commercial Banking, Lending, Treasury Management, Operations, or similar first‑line environments will be particularly successful.

Successful candidates demonstrate:

• A proactive ownership mindset
• Strong analytical and problem‑solving skills
• Comfort working directly with control owners and business partners
• Ability to manage work through completion and follow issues through remediation and closure

Required Qualifications

• 3-7 years of relevant experience in risk management, controls, monitoring and testing, audit, compliance, or operational risk within financial services.
• Experience with JIRA
• Experience with Confluence
• Experience assessing controls through monitoring, testing, validation, or related risk management activities.
• Experience supporting issue management, remediation tracking, and risk assessments.
• Strong analytical, problem‑solving, and critical‑thinking skills.
• Excellent written and verbal communication skills.
• Demonstrated ability to build relationships and collaborate across business, risk, compliance, and audit functions.
• Proficiency with Microsoft Office products, particularly Excel.
• Bachelor's Degree

Preferred Qualifications

• Experience supporting Commercial Banking, Lending, Treasury Management, Deposits, or related business lines.
• Experience participating in Risk & Control Self‑Assessments (RCSAs), risk inventories, control inventories, and issue management programs.
• Understanding of internal testing methodologies and control frameworks, including OCC guidance and/or FINRA supervisory control concepts.
• Experience analyzing and trending risk and control metrics.
• Experience with tools such as:
• DealCloud
• Tableau
• Archer
• WDesk
• Other workflow, GRC, or risk management platforms
• Experience utilizing data analytics to enhance risk identification and testing effectiveness.

Why Join This Team?

This role provides significant visibility across Commercial Banking and offers the opportunity to work closely with business leaders, risk partners, and stakeholders throughout the organization.

The position is ideal for someone looking to deepen their first‑line risk expertise, expand their understanding of commercial banking operations, and grow into more senior risk management opportunities over time.

Pay Transparency

The salary range for this position is $80,000- $85,000 per year. Actual pay is based on various factors including but not limited to the budget, work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time‑away policy of every local and state jurisdiction in the United States.

For an overview of our benefits, visit

https://jobs.citizensbank.com/benefits

#LI-Citizens1

Some job boards have started using jobseeker‑reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Why Work for Us

At Citizens, you'll find a customer‑centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

10/09/2026