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Senior Risk Manager – Consumer Unsecured Lending

Location Johnston, Rhode Island Req. Number214809 Category Risk Full/Part Time F Shift 1st Shift


As a Citizens Pay First Line Risk Senior Manager, you will represent the First Line of Defense and identify and mitigate potential risks through the identification, management, and mitigation of the risk and control environment. You will serve as a liaison, interfacing with business partners to drive meaningful reductions in risk, with a particular focus on the assessment, onboarding and continued relationship management of Citizens Pay’s merchant clients. You will provide and direct complex analysis on product and customer strategies to establish risk thresholds. This role will be responsible for proactively reviewing, analyzing, and identifying emerging risks, escalating to the Senior Director/Director of First Line Risk where appropriate. You will work with the Senior Director/Director to adhere to internal governance processes and controls for existing and new risk strategies and provide suggestion for remediation. You will lead change control efforts to ensure impacts are appropriately assessed, documented, and implemented. You will play a key role in determining how compliance matters are handled. You will also work with  other First Line Risk Senior Manager to initiate investigations into control failures and related issues. You will liaise with second line/oversight risk areas to ensure collaboration and partnership in key matters. Additionally, this role will have some oversight of pilot programs, products, and strategies.

Primary Responsibilities include:

Support the identification, measurement, and mitigation of material risks in the organization. Support various business line projects, predominantly related to onboarding of merchant clients, to identify and address specific risk issues, working with business leaders to analyze and quantify risks, assess solutions or mitigation activities, and develop remediation plans.

Implement and support internal governance processes, with a focus on governance of new merchant client relationships. Provide Risk point of view on strategies, driving change where appropriate.

Synthesize data and reporting; perform analysis and bring valuable business insights through evaluation of data in relation to risk and control management strategies

Reviews current policies and procedures to identify process gaps and opportunities for improvement.

Promote a culture of risk awareness and accountability through training, education, and risk management consultative support


8-12 years experience in Risk Management, Audit, or Compliance, preferably with a focus in merchant/point of sale lending

• 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


Bachelor’s Degree or at least 8 years of Risk, Audit or Compliance  experience

Hours and Work Schedule:
Hours per Week: 40
Work Schedule: M-F, 8-5 pm


Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability or perceived 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.

Equal Employment and Opportunity Employer/Disabled/Veteran

Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.