Innovation & Transformation Lead

Us Bank; Charlotte (NC); On-site; USD 193,000 - 227,000; Full time

Benefits offered by this job

Healthcare

Life insurance

Disability insurance

Parental leave

401(k) retirement plan

Paid vacation

Paid holidays

Adoption assistance

Sick leave

Job summary

U.S. Bank in Charlotte, NC is seeking a senior Innovation and Transformation Lead within the CAO to drive enterprise-scale AI-enabled programs, govern risk, and deliver measurable business impact across risk and compliance.

You’ll translate strategy into scalable technology solutions and partner with executives across the bank. Experience leading complex transformations, strong data and analytics fluency, and ability to influence at the C-suite level are essential.

Qualifications

• 15+ years of progressive experience in technology, data, analytics, or transformation roles within large, regulated financial institutions or similarly complex enterprises.
• Demonstrated success leading enterprise-scale, AI-enabled transformations with governance and measurable business outcomes.
• Deep understanding of risk management, compliance, and control environments, with ability to design technology solutions meeting regulatory/audit expectations.
• Strong executive presence with experience advising and influencing senior leaders, including C-suite executives.
• Proven ability to operate as a strategic integrator—connecting business strategy, technology, data, and operating models.
• Experience owning and governing complex investment portfolios, including prioritization, financial justification, vendor management, and executive decision forums.
• Advanced knowledge of data platforms, analytics, AI/ML, and emerging technologies, with judgment in scaling practical solutions.
• Track record of building, leading, and developing high-performing, cross-disciplinary teams.
• Exceptional communication skills translating complex topics into executive-ready insights.
• Bachelor’s degree required; advanced degree strongly preferred.

Responsibilities

• Identify and advance high-impact, AI-enabled transformation efforts within governance frameworks.
• Collaborate with risk process and integration partners to streamline workflows and introduce automation.
• Shape and maintain an innovation roadmap aligned to Risk Management & Compliance priorities.
• Translate risk and business needs into scalable, well-governed technology and data solutions.
• Coordinate and oversee the RM&C AI pipeline with the AI Center of Excellence for practical use cases.
• Manage RM&C strategic investment and change portfolio with prioritization and governance.
• Support technology investment governance including policy adherence, contracts, budgets, and vendor invoicing.
• Participate in vendor evaluations, RFPs, and statements of work as technical translator.
• Oversee data platforms supporting multiple risk disciplines and data pipelines.
• Enable data visualization and low-code/no-code solutions for reporting and decision-making.
• Develop data quality metrics, dashboards, and insights for risk program signals.
• Support advanced analytics and predictive tools for risk, customers, and efficiency.

Skills

AI-enabled transformations

Executive communication

Data platforms

Risk management

Portfolio governance

Leadership

Vendor management

Data analytics

Cross-functional collaboration

Education

Bachelor's degree

Advanced degree preferred

Tools

Power BI

Tableau

Power Apps

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

At U.S. Bank, our Risk Management organization is redefining how risk is anticipated, measured, and mitigated through technology, data, and intelligent automation. The Innovation and Transformation Lead within the CAO organization sits at the center of this evolution—owning enterprise‑scale initiatives that simplify operations, reduce risk exposure, and deliver measurable financial impact. This is a senior, highly visible role for a proven technology leader who thrives in complexity, partners confidently with executives, and translates strategy into governed, scalable solutions across a large financial institution.

CORE RESPONSIBILITIES

• Identify and advance high-impact, AI-enabled transformation efforts that simplify work, manage risk, and deliver measurable business results, while working within established governance frameworks.
• Collaborate with risk process and integration partners to streamline workflows and introduce automation where it adds clear value.
• Shape and maintain an innovation roadmap aligned to Risk Management & Compliance priorities, with focus on faster cycle times, stronger data foundations, and better connectivity across teams.
• Work closely with Enterprise Technology and Data partners to translate risk and business needs into scalable, well-governed technology and data solutions.
• Coordinate and oversee the RM&C AI pipeline, partnering with the AI Center of Excellence to enable practical use cases such as workflow automation, Copilot integration, and vendor AI capabilities.
• Manage the RM&C strategic investment and change portfolio, supporting prioritization, coordination, and regular approval cycles.
• Support technology investment governance by assisting with policy adherence, contract reviews, budget planning, vendor invoicing, and ongoing portfolio oversight.
• Participate in vendor evaluations, RFPs, and statements of work, serving as a technical translator between RM&C stakeholders and technology teams as needed.
• Oversee data platforms that support multiple risk disciplines, including development of data pipelines, business logic, and shared data assets.
• Enable data visualization and low-code / no-code solutions (e.g., Power BI, Tableau, Power Apps) that support reporting, analysis, and decision-making across RM&C.
• Develop data quality metrics, dashboards, and insight reporting to surface performance trends and risk program signals.
• Support development of advanced analytics and predictive tools (e.g., machine learning, natural language processing) to generate actionable insights related to risk, customers, and operational efficiency.

PREFERRED SKILLS/QUALIFICATIONS

• 15+ years of progressive experience in technology, data, analytics, or transformation roles within large, regulated financial institutions or similarly complex enterprises
• Demonstrated success leading enterprise‑scale, AI‑enabled transformations with clear governance, risk management, and measurable business outcomes
• Deep understanding of risk management, compliance, and control environments, with the ability to design technology solutions that meet regulatory and audit expectations
• Strong executive presence with experience advising and influencing senior leaders, including C‑suite and line‑of‑business executives
• Proven ability to operate as a strategic integrator—connecting business strategy, technology platforms, data, and operating models into cohesive outcomes
• Experience owning and governing complex investment portfolios, including prioritization, financial justification, vendor management, and executive‑level decision forums
• Advanced knowledge of data platforms, analytics, AI/ML, and emerging technologies, with sound judgment in scaling practical solutions versus experimentation
• Track record of building, leading, and developing high‑performing, cross‑disciplinary teams
• Exceptional communication skills, including the ability to translate complex technical topics into clear, executive‑ready insights
• Bachelor’s degree required; advanced degree in technology, business, or related field strongly preferred

LEADERSHIP CAPABILITIES

• Builds Teams and Talent: Embraces developing talent; builds and develops teams; strengthens organizational capabilities via talent
• Drives for Results: Drives execution, continuously improves the core, and reallocates resources at pace
• Disrupts & Challenges: Creates possibilities from new and innovative thinking; generates disruptive change; leads change
• Leads Innovation: Encourages innovative thought; challenges the status quo; scales and invests in new ideas
• Drives Vision and Purpose: Paints a compelling picture of the vision and strategy that motivates others to action

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

Review our full benefits available by employment status here.

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: $193,035.00 - $227,100.00

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.