Retail Banking CRO: Risk Architect & Growth Catalyst

thehivecareers.co; San Juan (PR); Presencial; USD 210.000 - 320.000; Jornada completa

Descripción de la vacante

thehivecareers.co seeks a Chief Risk Officer for Retail Banking to build and lead the enterprise risk management framework across credit, operations, market, liquidity, compliance, and cyber risk. You will align risk appetite with strategic goals and oversee a broad program of risk controls, analytics, and governance.

You will provide independent oversight, drive risk culture, and engage with regulators, boards, and executive committees to safeguard the bank's stability and customer trust while

Formación

• Bachelor's degree in Finance, Economics, Accounting, Business Administration, Risk Management, Mathematics, or related discipline.
• Master's degree preferred (MBA, Finance, Economics, Risk Management, or related field).
• 15+ years of progressive banking and risk management experience.
• Experience interacting with regulators, boards, and executive committees.
• Strong understanding of consumer lending, deposits, payments, and digital banking.
• Experience leading large, multidisciplinary risk teams.

Responsabilidades

• 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 and establish underwriting standards.
• Monitor portfolio quality, delinquency trends, and loss performance.
• Lead stress testing and credit risk scenario analyses.
• Recommend risk-adjusted lending strategies.
• Develop frameworks to identify and manage operational risks.
• Monitor operational incidents, control failures, and emerging risks.
• Oversee business continuity and operational resilience programs.
• Strengthen internal controls and risk reporting mechanisms.
• Ensure effective risk and control self-assessment processes.
• Ensure compliance with banking regulations and consumer protection laws.
• Oversee conduct risk management and fair customer treatment initiatives.
• Maintain strong relationships with regulatory authorities.
• Lead regulatory examinations and risk-related audits.
• Ensure implementation of regulatory changes and risk controls.
• Oversee fraud prevention, detection, and investigation programs.
• Strengthen AML/CFT controls and monitor financial crime risks.
• Collaborate with law enforcement and regulatory agencies when necessary.
• Monitor interest rate and liquidity risk exposures.
• Evaluate balance sheet vulnerabilities and stress scenarios.
• Support asset-liability management activities.
• Ensure adherence to regulatory capital and liquidity requirements.
• Oversee technology and cyber risk governance.
• Assess cybersecurity threats and resilience capabilities.
• Ensure robust controls for digital banking platforms.
• Monitor third-party and vendor risk exposures.
• Support digital transformation initiatives through risk management.
• Present risk reports to Executive Management, Risk Committees, and the Board.
• Develop KRIs and risk dashboards.
• Ensure timely escalation of significant risk issues.
• Maintain risk governance structures and committee frameworks.
• Lead risk management teams and develop future risk leaders.
• Foster accountability, integrity, and transparency.
• Promote collaboration across functions.

Conocimientos

Strategic leadership

Executive communication

Risk-based decision making

Stakeholder management

Crisis management

Change leadership

Problem solving

Educación

Bachelor's degree in Finance/Economics/Accounting/Business Admin

MBA or related master’s preferred

Descripción del empleo

thehivecareers.co seeks a Chief Risk Officer for Retail Banking to build and lead the enterprise risk management framework across credit, operations, market, liquidity, compliance, and cyber risk. You will align risk appetite with strategic goals and oversee a broad program of risk controls, analytics, and governance.

You will provide independent oversight, drive risk culture, and engage with regulators, boards, and executive committees to safeguard the bank's stability and customer trust while