Business Risk & Controls Manager

LendingClub•Lehi, UT

2d•Hybrid

About The Position

Happen Bank is looking for a risk-minded, detail-oriented Risk and Controls Manager to join our Business Risk and Controls team, reporting to the Sr Director. In this role, you will play a critical part in strengthening our first line of defense by owning the execution of our Risk and Controls Self-Assessment (RCSA) program across Deposits, Lending, and Operations and leading first line control testing activities. This is a high-impact opportunity for a seasoned risk professional who thrives in a structured yet dynamic environment and is passionate about building a culture of sound risk management within a modern, tech-forward bank.

Requirements

4+ years of progressive experience in financial services, with a meaningful focus on risk management, operational risk, compliance, and/or business process modeling
Strong working knowledge of RCSA frameworks and first line risk and control concepts
Demonstrated ability to facilitate complex risk discussions and confidently challenge, influence, and guide leaders at all levels in support of sound risk management and business outcomes
Superb meeting facilitation skills with the ability to keep participants engaged and on task
Experience designing or executing control testing programs, including test script development and evidence evaluation
Familiarity with GRC platforms (e.g., Optro, Archer, ServiceNow, MetricStream, or similar)
Ability to independently manage workload, prioritize competing demands, and deliver quality work product with minimal supervision
Excellent written and verbal communication skills, with the ability to present risk findings clearly to both technical and non-technical audiences
Project discipline with the ability to translate business needs into executable project plans and drive against those timelines
Experience with AI platforms (ChatGPT, Claude, OpenAI, etc.)
A collaborative, solutions-oriented mindset with a strong sense of accountability
Bachelor's degree or higher, or equivalent combination of education and experience

Nice To Haves

Experience in consumer banking, lending, or fintech
Working knowledge of consumer lending and/or banking regulations (e.g., EFTA, TILA, TISA, Reg CC, FCRA, FACTA, BSA/AML, GLBA, etc) and/or SOX control frameworks

Responsibilities

Execute end-to-end RCSA activities across assigned business units, including process mapping, risk identification, control elicitation, inherent and residual risk rating, and ongoing program maintenance
Conduct first line control testing in accordance with established methodologies, documenting results, identifying control gaps, and tracking remediation
Partner closely with business line stakeholders to assess the effectiveness of key controls and translate complex risk concepts into actionable insights
Maintain and update RCSA documentation, control inventories, and risk registers in the GRC system of record
Monitor the risk and control environment for changes driven by new products, processes, or regulatory developments and ensure the RCSA reflects those changes
Support issue management activities, including root cause analysis, remediation tracking, and validation testing
Contribute to the continuous improvement of RCSA program standards, templates, and methodologies
Proactively leverage and look for ways AI can create efficiency to evolve the risk and control environment
Liaise with second line Risk and Compliance and Internal Audit as needed