Credit Risk Senior Manager | Transaction Risk Management

Wells Fargo Bank•San Francisco, CA

21h•Hybrid

About The Position

Wells Fargo is seeking a Credit Risk Senior Manager to serve as a senior risk leader within Transaction Risk Management. This role provides strategic guidance to executive leadership while leading high-impact initiatives that shape risk strategies, strengthen controls, and deliver scalable, data-driven solutions across high-volume channels such as ATM, Mobile Banking, and Branch. This position is ideal for a seasoned credit or transaction risk professional who thrives in complex, fast-moving tactical environments and has experience leading teams, influencing senior stakeholders, and solving enterprise-level risk challenges. The role partners closely with business, technology operations and governance teams to balance customer experience, loss mitigation, regulatory expectations, and business growth.

Requirements

7+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, or education.
3+ years of management or leadership experience, including people leadership, initiative leadership, or senior-level influence across teams.

Nice To Haves

Demonstrated experience leading complex risk initiatives with enterprise-level impact.
Deep experience in advanced analytics, statistical and predictive modeling, and large-scale data analysis in credit, fraud, or transaction risk domains.
Strong proficiency with SAS, SQL, Python, and data visualization or reporting tools such as Tableau.
Experience with model governance, analytical decisioning, and real-time or operational risk use cases.
Ability to translate complex analysis into clear, actionable insights that influence senior and executive decision-making.
Advanced degree in a quantitative discipline (e.g., economics, statistics, engineering, data science, finance).
Strong attention to detail, data quality, and control discipline in regulated environments.

Responsibilities

Design and implement transaction risk strategies, policies, and controls that translate risk appetite into actionable decisioning and measurable business outcomes.
Partner with business and product teams to embed risk strategies directly into platforms, workflows, and customer journeys.
Actively shape strategy tradeoffs across loss, customer experience, operational efficiency, and regulatory expectations.
Lead hands-on resolution of complex, cross-functional risk problems by diagnosing root causes and designing scalable, durable solutions.
Own initiatives from strategy formulation through build, rollout, validation, and post-implementation performance tuning.
Drive coordinated execution across analytics, technology, operations, and governance partners.
Continuously analyze portfolio performance, customer behavior, fraud patterns, and policy outcomes to refine strategies in production.
Calibrate rules, models, thresholds, and segmentation to reduce losses, minimize false positives/negatives, and close control gaps.
Translate insights into concrete strategy changes, pilots, and measurable improvements.
Build and operationalize risk strategies supporting trillion-dollar transaction volumes, with emphasis on automation, scalability, and real-time decisioning.
Evaluate, test, and integrate new internal and external data sources into risk strategies and decision frameworks.
Conduct targeted deep-dive analyses to support strategic decisions, issue resolution, and investment prioritization.
Manage, mentor, and develop analytical and risk professionals.
Set priorities, allocate resources, and foster a strong risk culture focused on accountability, curiosity, and continuous improvement.
Collaborate with internal partners including Audit, Legal, Compliance, Technology, and external agencies as required.
Support a strong control environment aligned with regulatory expectations and internal governance standards.
Strong leadership in the area of Model Governance.