First Line Risk Sr Manager - Treasury Management & Digital Tech

Citizens Bank • Boston, MA

96d • $112,500 - $125,000

About The Position

As a First Line Risk Senior Manager supporting the Treasury Solutions division in Commercial Banking, you will represent the First Line of Defense and identify and mitigate potential risks within the Commercial digital and access channels. This role focuses on identifying, assessing, and mitigating technology and operational risks across a portfolio of digital products and services, including APIs, file transmissions, and fintech integrations. The ideal candidate will have a strong understanding of technology risk, cybersecurity, and operational risk, along with experience in fraud mitigation strategies, and will partner closely with product, technology, compliance, and second-line risk teams. You will serve as a trusted advisor to business partners, ensuring that risk management practices are embedded in product development and operational execution. Specifically, the Senior Risk Manager is responsible, along with business unit management and under the guidance and supervision of a Risk Director, for establishing and monitoring all aspects of material risk related to the businesses that they cover. Determines if actions need to be taken to strengthen risk management or reduce risk given performance against the business unit's risk profile and tolerances. The Senior Risk Manager is responsible for maintaining an effective end to end risk management program including risk identification, assessment and quantification, aggregation reporting, monitoring and control improvement. This includes ensuring the risk management framework, processes and practices executed comply with internal policy and applicable regulatory requirements and expectations. Ensures appropriate exam outcomes through exam management protocols. Maintains strong relationships with business leaders, support staff, Independent Risk Management, and Internal Audit. 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.

Requirements

• Strong knowledge of risk management methodologies and various risk types.
• Foundational knowledge of core payment capabilities including Wire, ACH, Real Time Payments.
• Experience in banking or financial services at a nationally chartered institution.
• Ability to manage and execute risk assessments on new business initiatives.
• Familiarity with relevant fraud schemes and industry tools for fraud mitigation.
• Experience in Third Party Risk Management and due diligence activities.
• Focus on identifying and mitigating risks associated with new technologies and digital banking platforms.
• Knowledge of GRC Archer, JIRA, Confluence, Excel, Tableau.

Nice To Haves

• BS Science - Accounting, Finance, Business Administration, MBA a plus.
• 5-8 years experience in Audit, Risk Management, Compliance related roles.
• Preferred Certifications: Certified Internal Auditor (CIA), Accredited Payments Risk Professional (APRP), Certified Fraud Examiner (CFE), Certified Anti Money Laundering Specialist (CAMS).

Responsibilities

• Identify and mitigate potential risks within the Commercial digital and access channels.
• Assess and mitigate technology and operational risks across a portfolio of digital products and services.
• Serve as a trusted advisor to business partners on risk management practices.
• Establish and monitor all aspects of material risk related to the businesses covered.
• Maintain an effective end to end risk management program including risk identification, assessment, and quantification.
• Ensure compliance with internal policy and applicable regulatory requirements.
• Manage relationships with business leaders, support staff, Independent Risk Management, and Internal Audit.

Benefits

• Competitive pay.
• Comprehensive medical, dental and vision coverage.
• Retirement benefits.
• Maternity/paternity leave.
• Flexible work arrangements.
• Education reimbursement.
• Wellness programs.
• Paid time off policy exceeds mandatory sick or paid time-away policy.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree