At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.
Consumer and Business Banking (CBB) Risk Management has an opening for an Agile Risk Consultant to support the Strategic Initiatives team.
The CBB Risk Strategic Initiatives Team is responsible for providing compliance expertise and strategic risk management leadership for the CBB Experience Studio teams, Alliances, and other key initiatives.
This role requires applicable experience related to consumer deposit compliance.
Strong knowledge of risk management is also required.
This role will specifically support studios and key initiatives by providing compliance and risk subject matter expertise in several key risk areas including Truth in Savings, Fair and Responsible Banking, Electronic Funds Transfer, Expedited Funds Availability, Fraud, Privacy, Bank Secrecy Act/Anti-Money Laundering, Technology, Information Security, and others.
Specific functions/responsibilities of this role include:
- Provide compliance and operational risk subject matter expertise to support Agile teams and strategic initiatives
- Establish and maintain appropriate systems of risk management and internal controls to support business objectives, maintain acceptable risk appetite/tolerances and comply with applicable laws and regulations
- Operate independently within the CBB framework, often with tight deadlines and multiple, concurrent projects
- Partner with CBB business line leaders, the Centralized Agile Studio team, and the Second Line of Defense Risk subject matter experts
- Collaborate with multiple levels of CBB to identify and service specialized needs across the different business lines
Key Responsibilities of this role and team:
- Accountable for risk management and compliance for assigned initiatives and journeys
- Provide risk expertise for complex change initiatives to ensure compliance with existing Risk policies
- Engage SMEs, as needed, but ultimately responsible for making decisions and accountable for the decisions made
- Utilize existing enterprise risk management framework to ensure risk partners across the enterprise are engaged and informed, as needed (e.g., PRISM, CAT, TPRM, ECRA, RCSA etc.)
- Make informed risk decisions expeditiously to ensure consistent and timely risk support
- Navigate all risk approvals, as needed, including BCI, BCRA/PRISM, and CAT. This may also include TPRM, EFCC, Model Governance, etc.
- Keep Experience Studio Central Risk Leader informed of all risk decisions
- Work with regulatory agencies and Corporate Audit Services in connection with Exams/Audits
- Support CBB in an anticipatory posture related to the rapidly changing risk and compliance environment, while balancing process efficiencies and customer experience
- Establish and maintain appropriate systems of risk management and internal controls to support business objectives, maintain acceptable risk appetite/tolerances and comply with applicable laws and regulations
- Provide training and support as needed
- Escalate potential risks as appropriate
Basic Qualifications
- Bachelor's degree, or equivalent work experience
- Typically, more than eight years of applicable experience
Preferred Skills/Experience
- Considerable experience and subject matter expertise in deposit compliance and operational risks related to consumer banking products.
- Considerable knowledge and experience with the industry as well as U.S. Bank’s products, policies, operations, and procedures related to consumer and retail banking.
- Expert knowledge of Risk/Compliance/Audit competencies and strong change management skills
- Additional Certifications desired (e.g., CRCM)
- Strong analytical skills
- Previous experience in an Agile work environment
- Ability to work independently in a fast-paced and dynamic environment
If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.
Benefits:
Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):
Healthcare (medical, dental, vision)
Basic term and optional term life insurance
Short-term and long-term disability
Pregnancy disability and parental leave
401(k) and employer-funded retirement plan
Paid vacation (from two to five weeks depending on salary grade and tenure)
Up to 11 paid holiday opportunities
Adoption assistance
Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
EEO is the Law
U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.
E-Verify
U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services.
The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, US Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401k contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $112,880.00 - $132,800.00 - $146,080.00
U.S. Bank will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance.