Description At Citizens, we’re more than a bank and here you’ll experience new things, create new opportunities, think beyond your role, and make an impact! In this role you will represent the first line of defense and identify and mitigate potential risks through the identification, management and mitigation of the risk and compliance control environment. The incumbent will serve as a liaison, interfacing with business partners to drive meaningful reductions in fair lending/banking and UDAAP 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. Additionally, you will work with the Senior Director / Director to adhere to internal governance processes and control 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 in compliance with all applicable regulatory requirements and will play a key role in determining how compliance matters are handled. Lastly, while in this role, you will have some oversight of pilot programs, products, and strategies. Most importantly, you’ll feel valued for who you are and supported to achieve what’s important to you, personally, and professionally! 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. + Manage a small team of Risk Managers and/or Senior Risk Managers primarily supporting the specialty collections (secured and unsecured) area Qualifications: + 8-12 years’ experience in Risk Management, Audit, or Compliance with demonstrated experience with fair lending laws/requirements and/or UDAAP. + Experience with Governance, Risk Management, and Compliance (GRC) platforms + Experience implementing and /or supporting enterprise wide Risk programs + Extensive experience managing projects including planning, implementation, and reporting + Proven leadership skills + Working knowledge of both technical and nuanced aspects of Fair Banking laws, UDAAP and regulations, including but not limited to ECOA/Reg B and FHA + Knowledge and understanding of regulatory and legislative guidelines + Demonstrated interpersonal relationship building and team facilitation skills + Ability to work in a fast-paced environment with competing priorities + Excellent communications skills, both written and verbal Education, Certifications and/or Other Professional Credentials: + Bachelor’s Degree OR at least 6 years of work experience with an Advanced Degree (e.g. Masters/MBA/JD/MD) + Certified Regulatory Compliance Manager (CRCM) required Hours & Work Schedule: 3 days in the office, 2 working from home + Hours per Week: 40 + Work Schedule: Monday - Friday Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. Equal Employment Opportunity At Citizens, we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day. Employment decisions are based solely on experience, performance, and ability. Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. Equal Employment and Opportunity Employer Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates. Why Work for Us At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.