Risk Manager – Digital

Jobtailor; Arizona; On-site; USD 120,000 - 180,000; Full time

Job summary

Jobtailor is seeking a Senior Compliance Risk Manager for U.S. Bank's Digital Consumer and Business Banking initiative.

You will provide independent oversight and credible challenge across the Second Line of Defense, partnering with Digital, First Line Risk Management, and Corporate Compliance to drive a robust risk program. The role requires extensive knowledge of federal and state financial regulations, strong analytical and project-management capabilities, and the ability to influence across

Qualifications

• Bachelor's degree or equivalent work experience.
• Typically extensive experience in compliance, risk management, and regulatory knowledge.
• Deep understanding of consumer protection regulations and digital banking risks.
• Experience providing independent oversight and credible challenge in a 3LOD environment.
• Ability to influence and partner across multiple lines of defense and stakeholders.

Responsibilities

• Provide independent compliance risk oversight and credible challenge.
• Support development, implementation, and maintenance of a robust compliance risk management framework.
• Participate in projects to ensure compliance with applicable laws and regulations.
• Provide 2LOD oversight of digital products, services, and customer experiences.
• Evaluate risk identification, assessment, monitoring, and mitigation effectiveness.
• Identify gaps and inform appropriate remediation.
• Escalate compliance risks and issues as needed.
• Liaise between Digital, First Line risk management, Corporate Compliance, and other lines of defense.
• Oversee risk assessments, change reviews, and regulatory change implementation.

Skills

Compliance Risk Management

Consumer Protection Regulations

Risk Assessment

Project Management

Effective Communication

Relationship Building

Influencing Skills

Negotiation Skills

Presentation Skills

Microsoft Office

Education

Bachelor's degree or equivalent experience

Tools

Microsoft Office

Word Processing

Spreadsheets

Databases

Presentations

Job description

• Partner with assigned Consumer and Business Banking Digital business partners, First Line of Defense Risk/Compliance professionals, Risk/Compliance/Audit professionals, and RCA Managers
• Provide independent compliance risk oversight and credible challenge
• Support the development, implementation, and maintenance of an effective compliance risk management framework
• Participate in projects and activities designed to promote compliance with applicable federal, state, and local laws and regulations
• Provide Second Line of Defense oversight of Digital products, services, capabilities, processes, and customer experiences
• Evaluate compliance risks and the effectiveness of First Line risk identification, assessment, monitoring, and mitigation activities
• Identify gaps in processes, systems, controls, or risk management practices and inform appropriate solutions
• Identify, respond to, and escalation compliance risks and issues as appropriate
• Serve as a functional liaison between CBB Digital, First Line Risk Management, Corporate Compliance, and other Lines of Defense
• Provide independent compliance oversight and credible challenge for Digital initiatives, products, platforms, customer journeys, marketing and communications, and changes to existing products and services
• Oversee and challenge compliance risk assessments, change and initiative reviews, issue management, control assessments, regulatory change implementation, and other risk-management activities applicable to Digital
• Apply regulatory expertise covering UDAAP/UDAP, Regulation E, E-SIGN, FCRA, ECOA/Regulation B, CAN-SPAM, TCPA, and other consumer protection requirements applicable to CBB Digital products and services

Requirements

• Bachelor's degree, or equivalent work experience
• Typically more than eight years of applicable experience
• Considerable knowledge of applicable laws, regulations, financial services, and regulatory trends impacting Digital and Consumer and Business Banking
• Considerable knowledge of consumer protection and compliance risks associated with digital banking products, services, platforms, customer journeys, marketing and communications, and emerging capabilities
• Considerable understanding of CBB Digital operations, products/services, systems, processes, and associated risks and controls
• Thorough knowledge of Risk/Compliance/Audit competencies and the Three Lines of Defense risk management framework
• Demonstrated ability to provide effective independent oversight and credible challenge of First Line risk-management activities
• Experience evaluating compliance risks associated with new products, product changes, digital capabilities, customer experiences, and business initiatives
• Strong analytical, risk assessment, process facilitation, and project management skills
• Ability to identify emerging compliance risks, evaluate the adequacy of mitigating controls, and appropriately escalation significant concerns
• Effective presentation, interpersonal, written, and verbal communication skills
• Effective relationship-building, influencing, and negotiation skills, including the ability to maintain constructive partnerships while preserving 2LOD independence
• Proficient computer navigation skills using Microsoft Office applications, word processing, spreadsheets, databases, and presentations
• Applicable professional certifications
• Ability to work from a U.S. Bank location three or more days per week
• Ability to comply with U.S. Bank policies and procedures, including the Code of Ethics and Business Conduct and related workplace conduct and safety policies

Core Competencies

Demonstrates extensive knowledge of compliance risk management frameworks and consumer protection regulations, with a strong ability to provide independent oversight and challenge risk management activities in digital banking. Proficient in evaluating compliance risks and implementing effective solutions while maintaining constructive partnerships across various lines of defense.

Highest-signal resume keywords

• Compliance Risk Management
• Consumer Protection Regulations
• Risk Assessment
• Project Management
• Effective Communication

Hard Skills

• Regulatory Expertise
• Risk Management Framework
• Compliance Oversight
• Analytical Skills
• Process Facilitation

Soft Skills

• Interpersonal Skills
• Relationship Building
• Influencing Skills
• Negotiation Skills
• Presentation Skills

Certifications & Qualifications

• Applicable Professional Certifications

Industry Keywords

• Digital Banking
• Consumer Banking
• Risk/Compliance/Audit
• Three Lines of Defense
• Federal Regulations

Tools & Technologies

• Microsoft Office
• Word Processing
• Spreadsheets
• Databases
• Presentations