First Line Risk Sr Manager - Personal Loans (PERL)

At Citizens, we’re more than a bank and as a part of our team you’re made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself!

 As the First Line Risk Senior Manager – Consumer Lending – Personal Loans (PERL), you will represent the first line of defense and identify and mitigate potential risks through the identification, management, and mitigation of the risk and controls environment. You will serve as a liaison, interfacing with business partners to drive meaningful reductions in risk. You will provide and direct complex analysis on product and customer strategies to establish risk thresholds.

 While in this role, you will be responsible for proactively reviewing, analyzing, and identifying emerging risks, escalating to the Senior Director/Director of First Line Risk where appropriate. You will work with the Senior Director/Director to adhere to internal governance processes and controls for existing and new risk strategies and provide suggestion for remediation. You will lead change control efforts to ensure impacts are appropriately assessed, documented, and implemented. You will work closely with Compliance officers to ensure that your team is up to date and in compliance with all applicable regulatory requirements. You will play a key role in determining how compliance matters are handled. You will also work with the First Line Risk Manager to initiate investigations into control failures and related issues. Additionally, this role will have some oversight of pilot programs, products, and strategies.

To thrive as a colleague at Citizens, candidates must demonstrate a strong customer-centric mindset, exhibit persistence and resilience in the face of challenges, and embrace continuous learning to adapt and grow in a dynamic environment.

 Primary responsibilities include

• Support the identification, measurement, and mitigation of material risks in the organization.
• Support various business line projects to address specific risk issues, working with business leaders to analyze and quantify risks, assess solutions or mitigation activities, and develop remediation plans.
• Implement and support internal governance processes.
• Provide risk point of view on strategies, driving change where appropriate.
• Synthesize data and reporting; perform analysis and bring valuable business insights through evaluation of data in relation to risk and control management strategies.
• Reviews current policies and procedures to identify process gaps and opportunities for improvement.
• Promote a culture of risk awareness and accountability through training, education, and risk management consultative support.

Key Skills Required:

• Risk Management Expertise
• Analytical and Strategic Thinking
• Regulatory and Compliance Knowledge
• Governance and Change Control
• Communication and Stakeholder Engagement
• Project and Program Management
• Policy and Procedure Evaluation
• Team Collaboration

Qualifications

• BS – Accounting, Finance, Business Administration, MBA a plus
• Proficiency in Audit, Risk Management, Compliance related roles
• Preferred Certifications – Certified Internal Auditor (CIA), Accredited, Certified Fraud Examiner (CFE), Certified Anti Money Laundering Specialist (CAMS) 

Hours & Work Schedule

• Hours per Week: 40+
• Work Schedule: Monday – Friday 8-5

Pay Transparency

The salary range for this position is $112,000-$125,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits .

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