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 for the Consumer Deposits & Lending Servicing business, you will represent the First Line of Defense to identify, analyze, and mitigate potential risks within the business lines’ risk and controls environment. This includes assessment of the likelihood and impact of a risk event and understanding the bank’s risk appetite. You will serve as a trusted risk advisor, interfacing with business partners to drive meaningful identification and mitigation of risk. You will provide and direct complex analysis of business processes and strategies to establish mitigating controls, risk thresholds, and continuously monitor the business’ control environment. This role will be responsible for proactively reviewing, analyzing, and identifying new and emerging risks in the business, escalating to the Risk Director as appropriate. 

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.

You will promote a culture of risk awareness and accountability through training, education, and risk management consultative support. You will work with the Risk Director/Sr. Director to adhere to internal governance processes and controls for new risk strategies and provide suggestion for remediation. You will participate in change control efforts within the business line to ensure impacts are appropriately assessed, documented, and implemented. You will work closely with Second and Third Line of Defense partners to ensure they have transparency to the state of risk within the business, inclusive of risk related to applicable state and/or federal regulatory requirements. 

Key Skills and Qualifications:

• Strong Knowledge of Risk Management Principles: A solid understanding of various risk types (e.g., operational, financial, compliance, reputational) and risk management methodologies, including OCC Heightened Standards. 
• Regulatory Knowledge: Familiarity and staying updated with relevant banking regulations (FRB, OCC, CFPB) and compliance requirements, with a strong focus on consumer protection regulations related to lending and deposit products.
• Risk Assessment Skills: The ability to manage and execute risk assessments on business processes and new strategies and/or initiatives and implement new and or revised controls to applicable product and service risk inventories.  
• Relationship Building Skills: The ability to develop, maintain, and enhance internal and external business relationships to facilitate risk advisory, knowledge sharing, and familiarity with ongoing industry trends and best practices.
• Problem-Solving Skills: The ability to independently identify and drive the resolution of risk-related issues.
• Financial Industry Experience: Experience in banking or financial services at a nationally chartered institution is highly desirable.  

Qualifications:

• 5+ years’ experience in Risk Management, Audit, or Compliance
•  Prior experience implementing and supporting enterprise-wide Risk programs
•  Experience with Governance, Risk Management, and Compliance (GRC) platforms 
•  Knowledge and understanding of regulatory and legislative guidelines 
•  Demonstrated interpersonal relationship building and team facilitation skills
•  Proven leadership skills
•  Ability to work in a fast-paced environment with competing priorities
•  Excellent communications skills, both written and verbal

Education:

• Bachelor’s Degree OR at least 5 years of work experience 
• Preferred Certifications – Certified Internal Auditor (CIA), Certified Risk Professional (CRP), Certified Regulatory Compliance Manager (CRCM) 

Hours and Work Schedule: (4days in office, 1 day remote)

Hours per Week: 40

Work Schedule: Monday-Friday

Pay Transparency

The salary range for this position is $115,000-$145,000 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 .

Citizens will not sponsor an applicant for a work visa, such as an H-1B, for this position.

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Equal Employment Opportunity

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, 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. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

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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.