This Second Line of Defense role is responsible for assessment and oversight of risks taken by the Bank at an advanced level of ability. Oversees First Line of Defense activities through objective risk assessment, effective challenge, monitoring, and reporting of the Bank's Risk Profile, including top and emerging risks. Provides leadership, consultation, and support for risk management techniques, practices, and procedures that protect the Bank from loss or exposure. Facilitates the development of analyses and reports to support the appropriate identification, assessment, monitoring, and reporting of new or existing risks. Assists in the review and enhancement of internal controls. Maintains a strong knowledge of new or emerging risk management techniques and trends through professional networking and industry involvement. Develops collaborative partnerships with internal departments, external auditors, regulatory agencies, and other stakeholders to support the company's Risk Management Framework. May provide guidance to less experienced associates in the department.

Responsibilities:

* Fully represent credit risk appetite within the payments business in conjunction with CRM and DCCO.
* Ensure portfolio management activities are well coordinated, specific to the card and ACH business and in line with broader portfolio management expectations.
* Participate as a key leader in new card campaign development and management.
* Monitor collection and troubled card management to ensure alignment between the card team, credit administration and advisory services.
* Partner with FinTech and Centralized Credit Management Team to present needed payment product policy updates to Credit Administration Meeting, Credit Risk Management Meeting and other key constituents, including the development of standard reporting templates and cadence.
* Understand system and data capabilities for the Bank's payment products and coordinate with FinTech and product teams on any changes to ensure policies, procedures and reports are considered from a credit perspective.
* Partner with Escalation & Risk Oversight team to provide oversight on payment product credit risk management inclusive of credit logic for card automation origination and portfolio management activities and associated dashboards.
* Ensure credit logic for card automated activities are consistent with existing policies/procedures and are routinely executed within this understanding.
* Identify gaps in processes and work toward process improvement.
* Work effectively to develop strong internal relationships with Credit, IT, Data Analytics, FinTech Centralized Credit Management Team, Payment Product Teams, Payment Operation, Corporate Compliance and SOX.

The base pay for this position is relative to your experience but the range is generally $132,432.00 to $179,160.00 per year. This position is eligible for variable compensation, which may be in the form of incentive, bonus, or commission pay. First Citizens offers a competitive, comprehensive benefits program which you can review here: https://jobs.firstcitizens.com/benefits.

Basic Qualifications:

Bachelor's Degree and 6 years of experience in Financial Services, Enterprise Risk Management, Operational Risk Management, Compliance, Audit, Finance, or Accounting OR High School Diploma or GED and 10 years of experience in Financial Services, Enterprise Risk Management, Operational Risk Management, Compliance, Audit, Finance, or Accounting

Preferred Education: Advanced Degree

Preferred Qualifications:

Experience with credit and loan monitoring processes

Experience with management of credit card and ACH portfolio

Experience with Credit underwriting systems

Experience with Agile methodologies a benefit

Dedicated team player

Excellent interpersonal, communication and organizational skills

Demonstrated project management, analytical and problem-solving skills

Ability to collaborate, negotiate, influence and build consensus across the organization