Network Governance Manager - Remote

UnitedHealth Group•Eden Prairie, MN

2d•$112,700 - $193,200•Remote

About The Position

The Network Governance Manager - Remote is responsible for establishing, owning, and scaling the governance framework that enables the S3 Network to operate safely and sustainably as it grows to 100,000+ merchants, including a large population of independent and long tail merchants. This role serves as the primary First Line of Defense (1LOD) owner for network wide controls, standards, and processes across merchant onboarding, third party enablement, funds settlement, fraud prevention, and compliance adherence. The position operates at the intersection of Merchant Operations, Compliance, Legal, Fraud, Product, Data, and third party partners to translate regulatory requirements into scalable, executable operating models. AI and automation are core enablers of this role: the Network Governance Manager will identify, prioritize, and institutionalize AI assisted monitoring and workflow automation to reduce manual effort, improve consistency, and strengthen auditability at scale—while ensuring appropriate human oversight and governance. You’ll enjoy the flexibility to work remotely from anywhere within the U.S. as you take on some tough challenges.

Requirements

12+ years of experience in network operations, governance, risk management, compliance, or regulated environments
10+ years of experience reviewing, investigating, and clearing compliance screening alerts (e.g., Know Your Customer, Sanctions), including documenting dispositions and escalating in accordance with applicable standards frameworks
7+ years of demonstrated experience identifying and operationalizing automation or AI driven workflows
Proven solid analytical and systems thinking skills
Proven excellent written and verbal communication skills, including executive level reporting
Ability to travel 10 – 20%25 for stakeholder meetings and governance reviews
Driver’s License and access to reliable transportation

Nice To Haves

CAMS, CFE, etc. certifications
Experience in healthcare, payments, fintech, retail networks, or other regulated ecosystems
Experience with KYC, sanctions screening, fraud controls, and third party risk management
Experience scaling operations across large, distributed, or long tail merchant populations
Experience with audit management or regulatory examinations

Responsibilities

Own the network governance framework, including policies, standards, documentation, and operating procedures
Serve as 1LOD owner for network compliance controls across AML/KYC/sanctions, fraud prevention, merchant onboarding & oversight, and funds settlement
Ensure governance models scale effectively with increased merchant volume and long tail onboarding
Serve as the Network’s AI Agent Champion, accountable for identifying, prioritizing, and sponsoring AI agent use cases across Network Operations and Governance
Define how AI agents are used to automate manual, governance heavy workflows (e.g., monitoring, exception routing, evidence collection, SLA tracking)
Ensure AI agents are deployed with clear purpose, ownership, success metrics, and documented workflows
Promote adoption of AI agents across the team through enablement, change management, and best practice sharing
Define and implement AI assisted monitoring for network risk signals (e.g., anomalies in onboarding, screening exceptions, suspicious activity patterns, unsettled funds trends), with clear thresholds and human in the loop escalation
Sponsor and prioritize automation for governance-heavy workflows (e.g., evidence collection, exception routing, SLA tracking, remediation follow ups), reducing manual effort per merchant as scale increases
Partner with Product/Data/Engineering to ensure AI outputs are explainable, auditable, and operationally usable, and that automation includes fallback procedures and documented controls
Partner closely with Compliance (2LOD) to address audit findings, risk inventories, and remediation actions
Implement required compliance policies, standards and processes
Coordinate network responses to compliance issues, including defined owners, timelines, and attestations
Proactively identify emerging risks tied to growth, automation, or third party enablement models
Operationalize compliance and regulatory requirements into measurable controls
Provide regular metrics and reporting to Compliance (2LOD) demonstrating adherence to established compliance requirements, control effectiveness, and third-party oversight standards
Define and enforce governance standards for merchant onboarding, activation, monitoring, and offboarding
Establish clear expectations, control requirements, and 1LOD-owned monitoring responsibilities for third-party partners supporting network growth, including defined oversight of partner performance against Optum Financial Services (OFS) standards
Support development and adoption of standardized screening, alert clearing, and monitoring tools
Oversee governance for unsettled funds processes, including escalation paths, SLAs, and remediation workflows
Partner with Finance and Operations to reduce backlog, prevent recurrence, and improve control effectiveness
Ensure alignment with regulatory expectations related to money movement and settlement risk
Drive execution across Merchant, Operations, Fraud, Product, Technology, Legal, and Risk without direct authority
Clarify ownership, dependencies, and decision rights using disciplined governance and RACI frameworks
Act as a central point of coordination for network wide initiatives impacting risk and compliance
Build and maintain governance artifacts, SOPs, control documentation, and audit ready materials
Produce clear, executive ready updates on risk posture, remediation progress, and governance health