Senior Lead Enterprise Risk Officer - Consumer and Small Business Banking, Corporate Risk

About this role:

Wells Fargo is seeking a Senior Lead Enterprise Risk Officer for Consumer, Small & Business Banking (CSBB) organization. This role will be supporting the Branch Operations and Supervision within the Branch Banking Organization. The role independently oversees the functions performed by Branch Operations and Supervision to strengthen accountability around risk identification, monitoring,  supervision, and issue management — all critical to our success.   

The individual will leverage their experience and knowledge of risk management, business functions, products, and services to provide independent, holistic risk leadership and oversight of the business. The organizational design will follow a consistent framework, while allowing customization to meet the needs of the business.  In addition to primary accountability for aligned business groups, Senior Lead Risk Officers may be accountable for oversight of other key functions such as business strategy, strategic partnerships, risk policy or programs – and/or CRO initiatives or management functions that cut across the business groups, contribute to CSBB CRO initiatives or advancement of the Wells Fargo CRO execution model.

The Senior Lead Enterprise Risk Officer will report directly to the CRO for Branch Banking.

In this role, you will:

• Act as an advisor to leadership to develop or influence enterprise risk, governance, reporting programs, plans, specifications, resources, and long term goals for highly complex business corporate governance risk programs and technical needs across multiple front lines with high risk for Enterprise Risk
• Lead the strategy and resolution of highly complex and unique challenges for governance and reporting programs companywide
• Deliver solutions that are long term, large scale and require vision, creativity, innovation, advanced analytical and inductive thinking, and coordination of highly complex activities and guidance to others
• Provide vision, direction and expertise to more experienced leadership on implementing innovative and significant business solutions that are large-scale cross functional or companywide strategies
• Lead projects and mentor virtual teams, design, develop and deliver training
• Guide and direct the organization in terms of policies, effectiveness of companywide initiative execution, and reporting to the Board
• Engage and strategize with all levels of professionals and managers across the enterprise and serve as an expert advisor to leadership
• Partner with managers to deliver risk reporting to executive management, committees, and Board of Directors and assists in development of actionable insights
• Maintain internal partnership with the business and other business units, Audit, Legal, regulators, and industry partners on risk related topics

Strategic Risk Leadership:

• Develop and implement the enterprise risk strategy for consumer banking in alignment with the organization’s broader risk appetite and regulatory requirements.
• Risk Governance: Establish and maintain a comprehensive governance framework, policies, and standards for managing risks within the consumer banking business.
• Risk Assessment & Monitoring: Identify, assess, and monitor emerging and existing risks across lending, deposits, digital banking, fraud, and customer experience.
• Regulatory Compliance: Ensure compliance with applicable federal and state regulatory requirements and serve as a liaison with regulators and internal audit teams.
• Collaboration & Influence: Partner with business leaders, legal, compliance, and audit teams to provide risk guidance and influence risk-informed decision-making.
• Team Leadership: Lead, mentor, and develop a high-performing risk management team with a strong focus on collaboration, innovation, and accountability.
• Reporting & Insights: Deliver timely and accurate risk reporting to executive management, the board, and risk committees, providing actionable insights and recommendations.
• Incident Management: Oversee the consumer banking division’s response to risk events, incidents, and crises, ensuring effective root cause analysis and corrective actions.

Required Qualifications:

• 7+ years of Risk Management experience (Compliance, Financial Crimes, Operational Risk, Audit, Legal, Credit Risk, Market Risk, IT Systems Security, Business Process Management) or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• 10+ years of progressive experience in risk management within the financial services industry.
• Bachelor's degree in Finance