Manager, Business Unit Risk Oversight - Certos

At Early Warning, we��ve powered and protected the U.S. financial system for over thirty years with cutting-edge solutions like Zelle®, Paze℠, and so much more. As a trusted name in payments, we partner with thousands of institutions to increase access to financial services and protect transactions for hundreds of millions of consumers and small businesses.

Positions located in Scottsdale, San Francisco, Chicago, or New York follow a hybrid work model to allow for a more collaborative working environment.

Candidates responding to this posting must independently possess the eligibility to work in the United States, for any employer, at the date of hire. This position is ineligible for employment Visa sponsorship.

The Business Unit Risk Oversight Manager is responsible for providing independent second-line oversight of operational risks within Early Warning’s Certos Identity & Payment Risk business, ensuring adherence to the company’s Operational Risk Management (ORM) program. This role evaluates the effectiveness of risk and control processes across areas such as identity verification, fraud detection, payment screening, and data-sharing through the National Shared Database, while conducting risk assessments, reviewing controls, managing issues, and identifying emerging risks. The manager partners with business stakeholders to strengthen risk practices without compromising independence, uses data to analyze trends and control gaps, and communicates key risk insights.

Overall Purpose

The Lead Business Unit Risk Oversight Manager is responsible for providing risk management and technical expertise in assessing the overall effectiveness of the company’s risk and control environment and ensuring and ensuring adherence to Operational Risk Management (ORM) Program requirements.  ORM provides independent oversight of operational risks in support of our vision of a strong risk management culture and that we are proactively identifying and managing risks that may impact our ability to achieve our strategic objectives as a company.  We are part of the company’s second line of defense, and work with our business partners to develop sound risk management programs and processes that are integrated into our business model and that enable business success.

Essential Functions

• Support operational risk oversight for the specific business unit assigned, including any risk themes relevant to the product assigned.

• Conduct second-line management activities, including:

  • Risk and control assessments (RCSAs) reviews

  • Product and use case risk reviews

  • Issue management and validation
     

• Partner with business stakeholders to support effective risk management practices while maintaining independence in oversight activities.

• Provide guidance to business partners on operational risk frameworks, policies, and expectations.

• Monitor risks, controls, and issues across aligned business units to identify trends and emerging risks.

• Leverage data and reporting to support risk analysis, identify control gaps, and inform decision-making.

• Assist in developing clear and concise communications (written and presented) to summarize risk insights and findings.

Minimum Qualifications

• Education and/or experience typically obtained through completion of a bachelor’s degree in risk management, Computer Science, Information Systems, Business Administration, Finance, Accounting or related field

• Typically a minimum of 8+ years of progressive operational risk management experience, preferably in financial services or other highly regulated industries

• Working knowledge of operational risk programs (e.g., RCSA, Risk Events, Issue Management, Key Risk Indicators) and risk domains (e.g., product/service delivery, process management, business disruption, third-party, fraud, and data)

• Demonstrates sound judgment, intellectual curiosity, and attention to detail

• Organized with solid analytical and problem-solving capabilities

• Strong collaboration and interpersonal skills

• Effective verbal and written communication skills

• Background and drug screen

Preferred Qualifications

• Prior financial institution experience

• Exposure to independent risk management or second-line oversight functions

• Risk management, internal control, or internal audit certification(s)

• Familiarity with data-driven products, fraud risk, or identity/payment risk solutions preferred

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