Senior Prepaid Risk & Compliance Advisor

U.S. Bank; Jacksonville (FL); Híbrido; USD 120.000 - 141.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Hybrid schedule

Benefits package

Paid time off

Descripción de la vacante

U.S. Bank in Jacksonville seeks an experienced RCA Professional 7 to serve as a Risk & Compliance advisor for prepaid products.

You will partner with Product, Sales, Onboarding, Digital, Technology, Operations, Legal, and Financial Crimes Compliance to identify risk, translate requirements into practical actions, and guide initiatives from design through post‑implementation closure. The role requires strong judgment, curiosity, persistence, and the ability to coordinate across a large matrix

Formación

• Bachelor's degree, or equivalent work experience
• Typically more than eight years of experience

Responsabilidades

• Serve as primary Risk & Compliance advisor for prepaid products.
• Engage during opportunity assessment, planning, change control, BCIQ, and PRISM intake to clarify scope, identify impacted products and stakeholders, determine the appropriate review path, and prevent avoidable late-stage delays
• Risk assessment and practical guidance: Analyze complex or ambiguous product, operational, regulatory, technology, fraud, and third‑party risks
• Translate requirements into clear options, guardrails, controls, procedures, disclosures, testing, or escalation paths that the business can implement
• Project and initiative leadership: Independently support a portfolio of concurrent initiatives from early design through implementation and post‑implementation closure.
• PRISM and risk mitigation management: Review and strengthen BCIQ and PRISM submissions, coordinate subject‑matter expert reviews, develop or challenge risk mitigation plans, track evidence, resolve documentation gaps, and drive timely closure of pre‑ and post‑implementation requirements
• Regulatory change management: Assess new or changing laws, regulations, regulatory guidance, and industry requirements for Prepaid applicability. Coordinate impact assessments, business responses, implementation plans, stakeholder alignment, and retained documentation
• Controls and risk assessments: Support ECRA and RCSA activities, process questionnaires, risk and control matrices, control self‑assessments, credible challenge responses, control design improvements, and testing or monitoring expectations
• Issues, audits, and examinations: Support issue identification and intake, root‑cause and impact analysis, corrective action planning, audit and examination requests, walkthroughs, First Day Letters, evidence production, and validation of sustainable remediation
• Cross‑functional coordination: Identify and engage the appropriate partners across Legal, Compliance, Financial Crimes Compliance, Fraud, Information Security, Privacy, Third Party Risk Management, Operations, Technology, and Product. Facilitate decisions when ownership or requirements are unclear
• Reporting and documentation: Provide concise, decision‑useful reporting on initiatives, risks, open questions, dependencies, escalations, approvals, and upcoming milestones. Maintain organized records that support governance, audit readiness, and effective handoffs
• Process improvement: Identify opportunities to simplify duplicative or low‑value requirements while preserving appropriate risk management. Recommend scalable processes, job aids, templates, decision frameworks, and governance improvements

Conocimientos

Risk management

Regulatory interpretation

Analytical thinking

Communication

Project management

Influence

Payments domain

Prepaid programs

Regulatory knowledge

Change governance

CRCM/CAMS

Educación

Bachelor's degree

Descripción del empleo

U.S. Bank in Jacksonville seeks an experienced RCA Professional 7 to serve as a Risk & Compliance advisor for prepaid products.

You will partner with Product, Sales, Onboarding, Digital, Technology, Operations, Legal, and Financial Crimes Compliance to identify risk, translate requirements into practical actions, and guide initiatives from design through post‑implementation closure. The role requires strong judgment, curiosity, persistence, and the ability to coordinate across a large matrix