Enterprise Risk Program Manager - job 1 of 2

Lead is a fintech building banking infrastructure for embedded financial products and services. We operate an FDIC-insured bank headquartered in Kansas City, Missouri.  Additionally, we have offices in San Francisco, Sunnyvale, and New York City, where our technical, product, design, and legal teams operate.

We are built for a constantly evolving financial landscape, where new ventures and technological advancements emerge daily. Guided by a team of entrepreneurs and technologists with decades of experience navigating intricate banking and payments regulations, Lead blends regulatory and technological expertise to help our fintech partners scale their operations with compliance and creativity.

Simply put, Lead offers the essential attributes that every fintech seeks in a partner bank. First, unparalleled technical expertise from a distinguished team of developers with an extensive understanding of the banking and payments systems. Second, oversight expertise, automated compliance systems, and bespoke program management to navigate the ever-shifting regulatory landscape. Finally, a commitment to transparency and operational rigor to ensure everyone’s money does what it’s supposed to do. 

Role Description: We are seeking a dynamic and creative risk-focused Program Manager to join our team and bring strong expertise to managing several critical functions in an exciting new hybrid role on the Enterprise Risk team. As the Enterprise Risk Program Manager, you will work cross-functionally and closely with team members throughout the Bank to build, lead, and execute on several operational and strategic initiatives related to identifying and managing the Bank’s key risks.

• Enhance and conduct the Bank’s annual Enterprise-wide Risk Assessment, which is a comprehensive project requiring strong project management skills and the ability to successfully  interact with staff at all levels of the organization, from front-line to executive management
• Create standardized risk assessment methodology standards for the Bank, and provide guidance on targeted risk assessments conducted by various 1st and 2nd line teams throughout the Bank
• Build or enhance the Bank’s standards and system of documenting risks and controls throughout the organization
• Develop well-articulated, meaningful, and actionable risk reporting, including KRIs, for consumption by both management and the Board of Directors
• Enhance the Bank’s Risk Appetite Statement and its ability to track and report adherence to risk tolerance levels. Provide guidance on appropriate risk appetite levels across numerous domains
• Own and continue to develop the Bank’s Vendor Risk Management program.  You will implement or develop tooling to enhance the program’s efficiency and reporting capabilities and will lead the program through internal/external audits, as well as Bank examinations 
• Own and develop a new Procurement program to promote cost-effectiveness and responsible spending on third-party services utilized by the Bank 
• Coordinate cross-functionally to ensure oversight of the Bank’s internally developed models as well as third-party models provided by Bank vendors
• Lead and provide day-to-day direction for a team of one or more enterprise risk professionals in the execution of the aforementioned risk programs
• Serve as a true subject matter expert on risks & controls and provide guidance and expertise to other teams throughout the Bank as they enhance their own identification and documentation of risk and controls
• Stay current on the evolving risk landscape across numerous risk domains that may impact the Bank by analyzing emerging events and trends, understanding existing controls, and providing recommendations for further mitigating risk
• Maintain knowledge of all US banking regulatory and supervisory requirements, as well as  industry best practices for managing the risk 
• Build and maintain collaborative business relationships with various departments within the bank
• Occasional travel to Kansas City or other key Lead Bank locations (i.e. SF, NY) as needed

• A bachelor's degree or equivalent
• 8-10 years of risk management experience (either at a financial institution or a fintech company)
• Comfortable ‘living in the gray’ and finding creative, alternative solutions for a cutting-edge, technology-focused financial institution
• A deep understanding of enterprise risk management frameworks, including identifying and assessing risks, designing, reporting and building controls, assessing control effectiveness and other activities across the risk management life cycle
• Adaptability in an agile and fast-paced environment, with an exceptional ability to frequently triage and re-prioritize work based on a rapidly evolving business 
• Ability to build best-in-class risk programs and processes from scratch, or iterate on legacy programs 
• Proficient at managing numerous in-flight projects simultaneously, involving multiple internal and external stakeholders and deliverables 
• Self-motivated to engage with business partners and obtain buy-in on various projects & initiatives, and execute in a fast paced environment 
• Able to bring fundamental and foundational risk management expertise to bear on new and emerging business verticals quickly and in a thoughtful, prudential manner
• Bring a customer-service attitude to both internal employees as well as external partners and stakeholders
• Extremely detail-oriented and able to create executive-ready or external partner-facing documentation
• Able to confidently communicate with internal stakeholders and external parties such as Bank vendors, auditors, or regulators
• An ability to distill complex issues into solvable and actionable tasks
• Ability to execute independently or work with team members from the front line to senior leadership

• At Lead, we design our benefits to support company culture and principles, to foster an efficient and inspiring work environment, and to create the conditions for our team to give their best in both work and life
• Competitive compensation based on experience, geographic location, and role
• Medical, Dental, Vision, Life, 401k Matching, and other wellness benefits, including FSA, HSA and HRA
• Paid parental leave
• Flexible vacation policy, including PTO and paid holidays
• A fun and challenging team environment in a dynamic industry with ample opportunities for career growth 

*Lead Bank is proud to have an inclusive culture committed to ensuring equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

*Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

*Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

*Pursuant to the Los Angeles County Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

**Our compensation reflects the cost of labor across several US geographic markets. Pay is based on a number of factors and may vary depending on geographical market location, job-related knowledge, skills, and experience. These ranges may be modified in the future.

Zone 1: $115,000 - $162,000 (SF/Bay Area, NYC, Seattle)

Zone 2: $110,000 - $150,000 (Los Angeles, Chicago, Austin, Denver, Boston, Washington DC, San Diego, Philadelphia, Portland, Sacramento)

Zone 3: $102,000 - $121,000  (Other US Metros)

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