Senior First-Line Risk & Controls Leader

First Horizon Corp.; Charlotte (NC); On-site; USD 180,000 - 230,000; Full time

Job summary

First Horizon Corp. in Charlotte, NC is seeking a Senior First Line Risk & Control Officer to lead the design of risk and control programs, own the live risk environment, and partner with regulators and auditors.

The role blends strategic governance with hands-on issue remediation and root-cause analysis across consumer banking domains. Responsibilities include leading risk events, RCSA execution, controls management, and shaping risk reporting for senior leadership while fostering a strong risk

Qualifications

• Fifteen or more years of related experience in banking or a regulated financial institution.
• Deep expertise across the full first line risk and control toolkit, including issue lifecycle, remediation, events and loss data management.
• Proven ability to design or mature risk and control programs and set standards.
• Advanced consumer and small business banking knowledge across deposit, payment, digital, fraud, origination, and servicing processes.
• Strong command of the three lines of defense model and interaction with internal audit and regulators.

Responsibilities

• Lead the first line issue lifecycle across assigned business verticals, including validation, root cause analysis, action plan design, owner accountability, escalation, closure evidence, and sustainability validation.
• Direct the capture, triage, and escalation of risk events; lead root cause analysis and ensure events become issues where a control failed.
• Own RCSA execution across multiple units, map processes to risk and controls, challenge residual risk ratings, and drive remediation of gaps.
• Set and apply first line control standards, ensure control design is documented and owned, and govern the control inventory.
• Serve as the senior risk partner to business leaders, guiding decisions and providing technical direction to risk staff.
• Represent the first line to regulators and auditors, coordinating responses and assessing regulatory change impact.
• Shape risk reporting and indicators for senior leadership and drive a strong risk culture.

Skills

Risk management

First line risk

RCSA

Regulatory engagement

Consumer banking knowledge

Job description

First Horizon Corp. in Charlotte, NC is seeking a Senior First Line Risk & Control Officer to lead the design of risk and control programs, own the live risk environment, and partner with regulators and auditors.

The role blends strategic governance with hands-on issue remediation and root-cause analysis across consumer banking domains. Responsibilities include leading risk events, RCSA execution, controls management, and shaping risk reporting for senior leadership while fostering a strong risk