Job Information
Wells Fargo Senior Lead Enterprise Risk Officer - Consumer and Small Business Banking, Corporate Risk in CHARLOTTE, North Carolina
About this role:
Wells Fargo is seeking a Senior Lead Enterprise Risk Officer for Consumer, Small & Business Banking (CSBB) organization. This role will be supporting the Branch Operations and Supervision within the Branch Banking Organization. The role independently oversees the functions performed by Branch Operations and Supervision to strengthen accountability around risk identification, monitoring, supervision, and issue management — all critical to our success.
The individual will leverage their experience and knowledge of risk management, business functions, products, and services to provide independent, holistic risk leadership and oversight of the business. The organizational design will follow a consistent framework, while allowing customization to meet the needs of the business. In addition to primary accountability for aligned business groups, Senior Lead Risk Officers may be accountable for oversight of other key functions such as business strategy, strategic partnerships, risk policy or programs – and/or CRO initiatives or management functions that cut across the business groups, contribute to CSBB CRO initiatives or advancement of the Wells Fargo CRO execution model.
The Senior Lead Enterprise Risk Officer will report directly to the CRO for Branch Banking.
In this role, you will:
Act as an advisor to leadership to develop or influence enterprise risk, governance, reporting programs, plans, specifications, resources, and long term goals for highly complex business corporate governance risk programs and technical needs across multiple front lines with high risk for Enterprise Risk
Lead the strategy and resolution of highly complex and unique challenges for governance and reporting programs companywide
Deliver solutions that are long term, large scale and require vision, creativity, innovation, advanced analytical and inductive thinking, and coordination of highly complex activities and guidance to others
Provide vision, direction and expertise to more experienced leadership on implementing innovative and significant business solutions that are large-scale cross functional or companywide strategies
Lead projects and mentor virtual teams, design, develop and deliver training
Guide and direct the organization in terms of policies, effectiveness of companywide initiative execution, and reporting to the Board
Engage and strategize with all levels of professionals and managers across the enterprise and serve as an expert advisor to leadership
Partner with managers to deliver risk reporting to executive management, committees, and Board of Directors and assists in development of actionable insights
Maintain internal partnership with the business and other business units, Audit, Legal, regulators, and industry partners on risk related topics
Strategic Risk Leadership:
Develop and implement the enterprise risk strategy for consumer banking in alignment with the organization’s broader risk appetite and regulatory requirements.
Risk Governance : Establish and maintain a comprehensive governance framework, policies, and standards for managing risks within the consumer banking business.
Risk Assessment & Monitoring : Identify, assess, and monitor emerging and existing risks across lending, deposits, digital banking, fraud, and customer experience.
Regulatory Compliance : Ensure compliance with applicable federal and state regulatory requirements and serve as a liaison with regulators and internal audit teams.
Collaboration & Influence : Partner with business leaders, legal, compliance, and audit teams to provide risk guidance and influence risk-informed decision-making.
Team Leadership: Lead, mentor, and develop a high-performing risk management team with a strong focus on collaboration, innovation, and accountability.
Reporting & Insights: Deliver timely and accurate risk reporting to executive management, the board, and risk committees, providing actionable insights and recommendations.
Incident Management: Oversee the consumer banking division’s response to risk events, incidents, and crises, ensuring effective root cause analysis and corrective actions.
Required Qualifications:
- 7+ years of Risk Management experience (Compliance, Financial Crimes, Operational Risk, Audit, Legal, Credit Risk, Market Risk, IT Systems Security, Business Process Management) or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Desired Qualifications:
10+ years of progressive experience in risk management within the financial services industry.
Bachelor's degree in Finance, Business, Risk Management, or a related field; MBA or advanced degree preferred.
Deep knowledge of consumer banking products, services, and regulatory environment.
Strong understanding of enterprise risk management frameworks and tools.
Exceptional leadership, communication, and influencing skills.
Proven ability to build and maintain relationships across all levels of the organization.
Experience managing regulatory examinations and internal audits.
Posting Locations:
401 S. Tryon Street - Charlotte, North Carolina
600 Wells Fargo - Minneapolis, Minnesota
1445 Ross Ave - Dallas, Texas
1150 W. Washington - Tempe, Arizona
800 S. Jordan Creek Pkwy - West Des Moines, Iowa
Job Expectations:
Ability to work at one of the approved locations in the job posting.
This position currently offers a hybrid work schedule.
Pay Range
Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.
$144,400.00 - $300,000.00
Benefits
Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs (https://www.wellsfargojobs.com/en/life-at-wells-fargo/benefits) for an overview of the following benefit plans and programs offered to employees.
Health benefits
401(k) Plan
Paid time off
Disability benefits
Life insurance, critical illness insurance, and accident insurance
Parental leave
Critical caregiving leave
Discounts and savings
Commuter benefits
Tuition reimbursement
Scholarships for dependent children
Adoption reimbursement
Posting End Date:
5 May 2025
* Job posting may come down early due to volume of applicants.
We Value Equal Opportunity
Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.
Applicants with Disabilities
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .
Drug and Alcohol Policy
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-drug-and-alcohol-policy) to learn more.
Wells Fargo Recruitment and Hiring Requirements:
a. Third-Party recordings are prohibited unless authorized by Wells Fargo.
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.
Req Number: R-452211