Head of Retail Risk & Resilience

thehivecareers.co; San Juan (PR); On-site; USD 180,000 - 280,000; Full time

Job summary

thehivecareers.co seeks a Chief Risk Officer for Retail Banking to establish and lead the enterprise-wide risk management framework across credit, operations, market, liquidity, compliance, fraud, cyber, conduct, and reputational risks. The CRO ensures alignment with strategy, regulatory requirements, and risk appetite while enabling sustainable growth.

The role provides independent oversight and challenge to business activities, safeguarding financial stability, customers, and the institution's

Qualifications

• 15+ years of progressive banking and risk management experience.
• Extensive experience within retail banking risk management.
• Proven leadership experience overseeing enterprise risk functions.
• Experience interacting with regulators, boards, and executive committees.
• Strong understanding of consumer lending, deposits, payments, and digital banking.
• Experience leading large, multidisciplinary risk teams.

Responsibilities

• Develop and maintain the retail banking risk management framework.
• Establish risk appetite statements, risk limits, and governance standards.
• Ensure effective identification, assessment, monitoring, and mitigation of risks.
• Provide independent oversight of business decisions and strategic initiatives.
• Promote a strong risk culture throughout the organization.
• Oversee retail credit portfolios: mortgages, personal loans, cards, auto loans, consumer finance.
• Establish underwriting standards and credit policies; monitor portfolio quality.
• Lead stress testing and credit risk scenario analyses.
• Monitor operational incidents, control failures, and emerging risks.
• Oversee regulatory compliance & conduct risk programs; maintain regulatory relationships.
• Oversee fraud prevention, AML controls, and financial crime risk monitoring.
• Monitor market, liquidity, and capital adequacy; support ALM activities.
• Oversee cybersecurity risk governance and third-party risk exposures.
• Present risk reports to executives and the Board; develop KRIs and dashboards.
• Lead risk management teams and develop next-generation risk leaders.

Skills

Enterprise Risk Management

Retail Credit Risk

Operational Risk

Regulatory Compliance

Financial Crime Risk

Fraud Risk Management

AML/KYC Frameworks

Market Risk

Liquidity Risk

Cybersecurity Risk

Operational Resilience

Stress Testing

GRC & Governance

Risk Analytics & Modeling

Executive Communication

Education

Bachelor's degree in Finance, Economics, Accounting, Business Administration, Risk Management, Mathematics, or a related discipline

Master's degree (MBA, Finance, Economics, Risk Management, or related field) preferred

FRM

PRM

CFA

CAMS

Job description

thehivecareers.co seeks a Chief Risk Officer for Retail Banking to establish and lead the enterprise-wide risk management framework across credit, operations, market, liquidity, compliance, fraud, cyber, conduct, and reputational risks. The CRO ensures alignment with strategy, regulatory requirements, and risk appetite while enabling sustainable growth.

The role provides independent oversight and challenge to business activities, safeguarding financial stability, customers, and the institution's