Retail Banking Risk Specialist

Texas Capital Bank; Fort Worth (TX); Sur place; USD 110 000 - 140 000; Plein temps

Avantages offerts par ce poste

Health insurance coverage

Wellness program

Fertility and family building aids

Life and disability insurance

Retirement savings plans with a 401K

Paid leave programs

Paid holidays

Paid time off (PTO)

Résumé du poste

Texas Capital Bank is seeking a Retail Banking Risk Specialist to strengthen our risk and compliance posture across financial centers. You will perform daily risk monitoring, identify and mitigate operational risks, and serve as an internal audit SME for Levels 1-3 issues.

Strong analytical and communication skills are essential. The role requires 7+ years in banking operations or related risk functions, a Bachelor’s degree, and proficiency with MS Office, PowerBI, Salesforce, and financial

Qualifications

• 7+ years of experience in retail banking operations or related risk/controls.
• Bachelor’s degree in business or related field.
• Strong analytical thinking and data-driven decision making.
• Excellent written and verbal communication.

Responsabilités

• Perform daily risk-related monitoring across all financial center operations.
• Identify, assess, and mitigate operational and compliance risks.
• Serve as Internal Audit SME for Levels 1-3 issues.
• Conduct daily reconciliation of transactions and ledgers.
• Maintain and improve business continuity and reporting.

Connaissances

Analytical thinking

Risk assessment

Communication

Attention to detail

Cross-functional collaboration

Formation

Bachelor's degree in Business or related field

Outils

MS Office

PowerBI

Salesforce

Financial reporting

Description du poste

Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big banks at a scale that works for our clients, with highly experienced bankers who truly invest in people’s success — today and tomorrow. While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long-term objectives. At Texas Capital, we do more than build business success. We build long lasting relationships.

Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO).

• Health insurance coverage
• Wellness program
• Fertility and family building aids
• Life and disability insurance
• Retirement savings plans with a generous 401K match
• Paid leave programs
• Paid holidays
• Paid time off (PTO)

Texas Capital is headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano, San Antonio, Chicago, Los Angeles and New York. For more information about joining our team, please visit us at www.texascapital.com.

Overview of the Position

The Retail Banking Risk Specialist is instrumental in maintaining Retail Banking’s risk and compliance posture, performing daily risk-related monitoring across all financial center operations while identifying, assessing, and mitigating operational and compliance risks proactively. The Retail Banking Risk Specialist oversees business continuity program implementation and continuous oversight, ensuring readiness and resilience across the organization. This individual applies rigorous analytical thinking to diagnose business performance, identify critical organizational levers, and translate data-driven insights into decisive action—particularly in areas of risk assessment, issue remediation, and process optimization. Exercising strong independent judgment and decision‑making skills, managing competing priorities with excellent attention to detail and accuracy while supporting team members and providing guidance that adheres to bank guidelines, policies, and applicable laws.

Work Experience

7+ years of experience in retail banking operations, reconciliation, or a related support function.

Education

Bachelor’s degree in business (Finance, Accounting, Real Estate, etc.) or other relevant degrees and work experience.

Competencies

• Sets an uncompromising standard of excellence by pursuing ambitious, measurable goals with tenacity and discipline.
• Cultivates a culture of continuous improvement across both Financial Centers, holding self and others accountable for outcomes that drive sustainable performance.
• Rapidly diagnoses business performance and identifies the critical organizational levers—people, processes, and systems that unlock profitable growth.
• Applies rigorous analytical thinking to evaluate strategic opportunities, optimize operations, and translate data‑driven insights into decisive action.
• Strong knowledge of bank security protocols and financial center operations, including teller, ATM, cash management, and client service.
• Excellent ability to multi‑task, manage competing priorities, and maintain attention to detail and accuracy.
• Strong independent judgment and decision‑making skills; comfortable de‑escalating concerns and implementing creative solutions.
• Very strong technical proficiency in MS Office, PowerBI, Salesforce, and financial/data reporting.
• Exceptional written, interpersonal, and communication skills, with the ability to collaborate across teams.
• Languages: English.
• Business acumen and knowledge of banking regulations.
• Autonomous execution; adaptable to shifting priorities in a results‑driven environment.
• Sound strategic thinking and ability to influence leadership.
• Analytical problem‑solving with strong attention to detail.
• Ability to work effectively in a fast‑paced, highly collaborative environment.
• Flexible and adaptable to changing business priorities.

Responsibilities

• Perform daily risk‑related monitoring across all financial center operations, including floats and holds, Currency Transaction Reports (CTRs), and savings bonds processing.
• Identify, assess, and mitigate operational and compliance risks across the Retail LOB; elevate critical risks to leadership.
• Serve as Internal Audit Subject Matter Expert (SME) for Levels 1-3 issues.
• Perform daily reconciliation of financial center transactions and general ledgers, ensuring accuracy, timely resolution of discrepancies, and proper documentation across all locations.
• Monitor and resolve system outages while managing cash logistics and investigating proof of deposit issues; coordinate with support teams to minimize service disruption.
• Coordinate operational issues including application access, equipment needs, workflow, and transaction integrity across all Financial Centers.
• Execute administrative account management and billing functions.
• Oversee the Retail Banking Business Continuity Program, including implementation, maintenance, and continuous oversight.
• Support operational programs including ATM cash management and Medallion Program Certification.
• Create, modify, and review processes, procedures, and training materials for the Retail line of business supporting operational changes and front‑line enhancements.
• Develop standard operating procedures and perform upgrade and regression testing to ensure system integrity.
• Support continuous improvement initiatives across all operations.
• Provide guidance and support to team members while adhering to bank guidelines, policies, and applicable laws.
• Prepare, maintain, and distribute operational reports to leadership.
• Own and execute special projects and strategic initiatives as assigned.

Day and Overnight Travel

25% +/-.

Essential Functions and Additional Duties

The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.

Equal Opportunity Employer

Texas Capital is an Equal Opportunity Employer.

Additional Information

Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big banks at a scale that works for our clients, with highly experienced bankers who truly invest in people’s success — today and tomorrow. While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long-term objectives. At Texas Capital, we do more than build business success. We build long lasting relationships. Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named the #1 most trusted bank in the country on Newsweek’s inaugural list of America’s Most Trusted Companies.