27 Risk Assessment jobs in Greater London
Senior Financial Analyst (Mortgage Finance)
Greater London, London
Housing Opportunities Commission
Posted 6 days ago
Job Viewed
Job Description
Senior Financial Analyst:
The Housing Opportunities Commission of Montgomery County (HOC) was established in 1974 to better respond to the County's need for affordable housing. HOC is authorized to acquire, own, lease, and operate housing; to provide for the construction or renovation of housing; obtain financial assistance from any public or private source to assist its housing activities; and arrange for social services, resident services, and daycare.
Job Description:
The Senior Financial Analyst is a professional position responsible for assisting the Mortgage Finance Division in evaluating and documenting credit risk. The position provides analytical support to the multifamily underwriting staff which requires monitoring the work flow and administration of documents related to the financing of multifamily real estate transactions as well as processing and monitoring of the use of bond proceeds during the construction period.
This position requires an extensive knowledge of the principles of real estate and mortgage finance in order to perform the due diligence related to the underwriting of the acquisition or refinance of multifamily real estate projects. The due diligence process includes, but is not limited to, the analysis of financial statements, collection and review of documents, analysis of compliance with loan requirements and the performance of audits on assigned aspects of the loan management and underwriting processes.
An employee in this position is expected to be capable of controlling all aspects of work assigned within the limits of agency objectives and available resources in consultation with the supervisor. The nature of the work requires the employee to adapt or interpret existing guidelines and make recommendations based upon an analysis of the situation. Work requires a considerable amount of assessment and analysis of programs and processes, including the ability to determine financial viability and physical soundness of properties, appropriateness of financing documentation, and the flow of cash and capital project expenditures to achieve the goals of the agency from each financing. Incumbent must be able to identify negative conditions for properties and financing in order to avoid risk and potential problem areas.
Primary contact is with staff throughout HOC, and the Commission. However, there is ongoing consultation with Mortgage Finance personnel, Real Estate Development Division Personnel & Legal staff and the Director of Mortgage Finance to agree on an acceptable course of action or provide advice in areas of expertise. The work environment is the typical office setting and has no significant hazards.
Example of Duties:
- Complete special Assist in FHA Risk-Sharing and Federal Financing Bank program monitoring and administration through engagement with Mortgage Finance personnel, Asset Management and Property Management Divisions of HOC.
- Review and analysis of documentation and property performance information for properties.
- Engagement with Legal, IT, Asset Management, Property Management and Mortgage Finance personnel to develop a lending and loan management database in support of the mortgage finance activities.
- Development of financial models to support the evaluation of financing scenarios and develop recommendations to Senior Multifamily Underwriters and Mortgage Finance Leadership.
- Examination, analysis and interpretation of data, including financial statements, construction contracts, construction budgets, change orders, feasibility studies, appraisals, environmental studies and other related third party reports.
- Support the issuance of bond issues to facilitate the financing of projects, including the review of various bond documents in conjunction with Multifamily Underwriting personnel and the leadership of Mortgage Finance.
- Collection and analysis construction and permanent loan data from various sources.
- Collection and analysis of market data related to affordable housing properties in Montgomery County that may include various revenue streams such as retail, commercial and residential leases.
- Assist in the reconciliation of data discrepancies and ensure the integrity of mortgage loan data while processing loans through HOC's various systems.
- Development of multi-year pro forma(s) and calculate financial ratios.
- Analysis of historical property financial statements. including interaction with the Property Management and Asset Management Divisions of HOC
- Conduct inspections of subject and comparable properties and analysis of neighborhood and market characteristics.
- Manage the collection of required documentation during the underwriting process, including the coordination of documentation from various HOC Divisions.
- Analysis of bond draws and construction draws for all bond proceeds.
- Maintain knowledge on government and industry policies and regulations that may affect HOC programs and be comfortable with transition and change.
Minimum Qualifications:
Experience:
- At least five years of experience in Project Management or Operations Management.
Education:
- Graduation from an accredited college or university with a Bachelor's degree in either Finance or a related field
- An equivalent combination of education and experience may be accepted. Low income residents in Montgomery County with the above qualifications are encouraged to apply.
Knowledge Skills and Abilities:
- Knowledge and understanding of budget processes.
- Ability to identify and resolve issues.
- Ability to be responsible with confidential assignments, materials, and situations with discretion, tact, and diplomacy.
- Ability to work independently with broad guidance and to carry out continuing assignments requiring the organization of material and the preparation of reports.
- Demonstrated ability to research and compile reports and analyze information.
- Ability to prepare and present ideas in a clear and concise manner, both orally and in writing.
- Ability to coordinate work programs of committees and working groups within the Mortgage Finance Division.
* Grade 27 - Min: $81,196 / Mid: $08,712 / Max: 136,229 | Salary determined by departmental budget - Offer commensurate with experience .
HOC is an equal-opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex, race, color, age, national origin, religion, disability, genetic information, marital status, sexual orientation, gender identity, gender reassignment, citizenship, immigration status, protected veteran status, or any other basis prohibited under applicable federal, state or local law. HOC promotes a drug-free workplace.
HOC conducts criminal background checks, employment reference checks, and where applicable, reviews driving records in determining suitability for employment. Selected applicants will be required to submit to pre-employment drug and alcohol screening. Employment is contingent upon drug and alcohol test results.
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This advertiser has chosen not to accept applicants from your region.
0
GFC Financial Intelligence Unit - Detection - Customer Risk Assessment and List Management
Bromley, London
Bank of America
Posted 6 days ago
Job Viewed
Job Description
GFC Financial Intelligence Unit - Detection - Customer Risk Assessment and List Management
London, United Kingdom;Chester Business Park, Chester; Dublin, Ireland; Bromley, United Kingdom
**To proceed with your application, you must be at least 18 years of age.**
Acknowledge
Refer a friend
**To proceed with your application, you must be at least 18 years of age.**
Acknowledge ( Description:**
**Job Title:** GFC Financial Intelligence Unit - Detection - Customer Risk Assessment and List Management
**Location** : London, Dublin, Chester or Bromley
**Corporate title:** Director
**Company Overview:**
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.
One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.
Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.
Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!
**Responsibilities:**
+ Bringing subject matter expertise and experience in running the model, system and business operational components of our Enterprise Customer Risk Assessment and List Management functions for the Bank
+ This role will also help to specify the requirement for, and oversee the modernisation and enhancement of our CRA/LM technology, , and incorporate automation in the FIU-Detection functions and processes that support those functions
+ This job is responsible for managing, supporting, and executing our regulatory remediation efforts related to CRA/LM across all the regions including BAU processes and execution, remediation tracking, action plan closure documentation, and automation design and development
+ The role will be partnering across the Bank and Enterprise with key stakeholders and executives within the First Line Units and Regional Teams.
**What we are looking for:**
+ The right level of acumen and authority to drive the customer risk strategy, enforce upstream change requirements with partners, and drive/execute the end-to-end changes including models and technology
+ Extensive Global Banking and Global Markets risk and compliance experience at a major global bank
+ AML/financial crime regulatory and compliance experience
+ CAMS, CFE, CRCM Certification a plus
**Benefits of working at Bank of America:**
**UK**
+ Private healthcare for you and your family plus an annual health screen to help you manage your physical wellness with the option to purchase a screen for your partner
+ Competitive pension plan, life assurance and group income protection cover if you become unable to work as a result of a disability or health reasons
+ 20 days of back-up childcare including access to school holiday clubs and 20 days of back-up adult care per annum
+ The ability to change your core benefits as well as the option of selecting a variety of flexible benefits to suit your personal circumstances including access to a wellbeing account, travel insurance, critical illness etc.
+ Access to an emotional wellbeing helpline, mental health first aiders and virtual GP services.
+ Access to an Employee Assistance Program for confidential support and help for everyday matters
+ Ability to donate to charities of your choice directly through payroll and the bank will match your contribution
+ Opportunity to access our Arts & Culture corporate membership program and receive discounted entry to some of the UK's most iconic cultural institutions and exhibitions.
+ Opportunity to give back to your community, develop new skills and work with new groups of people by volunteering in your local community.
**Bank of America:**
Good conduct and sound judgment is crucial to our long term success. It's important that all employees in the organisation understand the expected standards of conduct and how we manage conduct risk. Individual accountability and an ownership mind-set are the cornerstones of our Code of Conduct and are at the heart of managing risk well.
We are an equal opportunities employer and ensure that no applicant is subject to less favourable treatment on the grounds of sex, gender identity or gender reassignment, marital or civil partner status, race, religion or belief, colour, nationality, ethnic or national origins, age, sexual orientation, pregnancy or maternity, socio-economic background, responsibility for dependants or physical or mental disability. The Bank selects candidates for interview based on their skills, qualifications and experience.
We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.
Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.
To view the "Know your Rights" poster, CLICK HERE ( .
View the LA County Fair Chance Ordinance ( .
Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.
To view Bank of America's Drug-free Workplace and Alcohol Policy, CLICK HERE .
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work.
This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.
London, United Kingdom;Chester Business Park, Chester; Dublin, Ireland; Bromley, United Kingdom
**To proceed with your application, you must be at least 18 years of age.**
Acknowledge
Refer a friend
**To proceed with your application, you must be at least 18 years of age.**
Acknowledge ( Description:**
**Job Title:** GFC Financial Intelligence Unit - Detection - Customer Risk Assessment and List Management
**Location** : London, Dublin, Chester or Bromley
**Corporate title:** Director
**Company Overview:**
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.
One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.
Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.
Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!
**Responsibilities:**
+ Bringing subject matter expertise and experience in running the model, system and business operational components of our Enterprise Customer Risk Assessment and List Management functions for the Bank
+ This role will also help to specify the requirement for, and oversee the modernisation and enhancement of our CRA/LM technology, , and incorporate automation in the FIU-Detection functions and processes that support those functions
+ This job is responsible for managing, supporting, and executing our regulatory remediation efforts related to CRA/LM across all the regions including BAU processes and execution, remediation tracking, action plan closure documentation, and automation design and development
+ The role will be partnering across the Bank and Enterprise with key stakeholders and executives within the First Line Units and Regional Teams.
**What we are looking for:**
+ The right level of acumen and authority to drive the customer risk strategy, enforce upstream change requirements with partners, and drive/execute the end-to-end changes including models and technology
+ Extensive Global Banking and Global Markets risk and compliance experience at a major global bank
+ AML/financial crime regulatory and compliance experience
+ CAMS, CFE, CRCM Certification a plus
**Benefits of working at Bank of America:**
**UK**
+ Private healthcare for you and your family plus an annual health screen to help you manage your physical wellness with the option to purchase a screen for your partner
+ Competitive pension plan, life assurance and group income protection cover if you become unable to work as a result of a disability or health reasons
+ 20 days of back-up childcare including access to school holiday clubs and 20 days of back-up adult care per annum
+ The ability to change your core benefits as well as the option of selecting a variety of flexible benefits to suit your personal circumstances including access to a wellbeing account, travel insurance, critical illness etc.
+ Access to an emotional wellbeing helpline, mental health first aiders and virtual GP services.
+ Access to an Employee Assistance Program for confidential support and help for everyday matters
+ Ability to donate to charities of your choice directly through payroll and the bank will match your contribution
+ Opportunity to access our Arts & Culture corporate membership program and receive discounted entry to some of the UK's most iconic cultural institutions and exhibitions.
+ Opportunity to give back to your community, develop new skills and work with new groups of people by volunteering in your local community.
**Bank of America:**
Good conduct and sound judgment is crucial to our long term success. It's important that all employees in the organisation understand the expected standards of conduct and how we manage conduct risk. Individual accountability and an ownership mind-set are the cornerstones of our Code of Conduct and are at the heart of managing risk well.
We are an equal opportunities employer and ensure that no applicant is subject to less favourable treatment on the grounds of sex, gender identity or gender reassignment, marital or civil partner status, race, religion or belief, colour, nationality, ethnic or national origins, age, sexual orientation, pregnancy or maternity, socio-economic background, responsibility for dependants or physical or mental disability. The Bank selects candidates for interview based on their skills, qualifications and experience.
We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.
Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.
To view the "Know your Rights" poster, CLICK HERE ( .
View the LA County Fair Chance Ordinance ( .
Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.
To view Bank of America's Drug-free Workplace and Alcohol Policy, CLICK HERE .
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work.
This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.
This advertiser has chosen not to accept applicants from your region.
1
Manager-Risk Management
London, London
American Express
Posted 7 days ago
Job Viewed
Job Description
**Description**
At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviours, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.
Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
**How will you make an impact in this role?**
This role is within UK Credit Risk organisation led by UK Chief Risk Officer with the objective to drive responsible growth with best-in-class credit risk strategies through the card lifecycle.
The position provides a unique opportunity for an individual to make a difference by defining and implementing lending and governance strategies for UK consumer and SBS cards. The individual would be responsible for driving lending and affordability strategies, including proactively identifying opportunities or new data solutions to enhance existing frameworks, implementing strategy changes, monitoring internal and industry trends, and collaborating with various internal and external stakeholders. The successful candidate is expected to have a comprehensive understanding of industry lending products and dynamics, as well as extensive knowledge of UK regulatory requirements from CONC and Consumer Duty. The individual is required to have experience of processing large unstructured datasets and have strong problem-solving abilities.
The responsibilities include:
+ Evaluating new data sources and stay abreast of industry trends to build upon existing affordability frameworks, and deliver profitable growth strategies, as well as improved customer outcomes
+ Innovating and optimising lending strategies to improve performance efficiencies and customer experience.
+ Collaborating closely with business partners and compliance to drive enterprise-wide projects for the UK market and to achieve sustainable growth objectives
+ Presenting recommendations to risk committees and lead the strategy implementation independently
+ Driving operational excellence and ensuring full compliance with regulatory requirements
**Minimum Qualifications:**
+ 4 years of credit risk experiences in financial institutions
+ Experience with data-driven analytical tools (e.g. SQL, SAS, HIVE/HADOOP, R, Python, Tableau) to process unstructured dataset in order to extract insights, identify trends, and inform business decisions
+ Comprehensive understanding of UK CONC and Consumer Duty requirements on creditworthiness and affordability
+ Be curious and have a problem-solving mindset, ability to drive process change independently
+ Strong analytical skills and sound business acumen, and interpersonal skills to collaborate with stakeholders across functions
+ Good communication and persuasion skills with an ability to translate technical analysis into business strategy recommendations in laymen's term
+ Demonstrates the ability to successfully manage multiple priorities under pressure
+ Advanced degree in quantitative or a related field is preferred
**Qualifications**
We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
+ Competitive base salaries
+ Bonus incentives
+ Support for financial-well-being and retirement
+ Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ Generous paid parental leave policies (depending on your location)
+ Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
+ Free and confidential counseling support through our Healthy Minds program
+ Career development and training opportunities
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
**Job:** Risk
**Primary Location:** United Kingdom-London-London
**Schedule** Full-time
**Req ID:** 25012304
At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviours, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.
Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
**How will you make an impact in this role?**
This role is within UK Credit Risk organisation led by UK Chief Risk Officer with the objective to drive responsible growth with best-in-class credit risk strategies through the card lifecycle.
The position provides a unique opportunity for an individual to make a difference by defining and implementing lending and governance strategies for UK consumer and SBS cards. The individual would be responsible for driving lending and affordability strategies, including proactively identifying opportunities or new data solutions to enhance existing frameworks, implementing strategy changes, monitoring internal and industry trends, and collaborating with various internal and external stakeholders. The successful candidate is expected to have a comprehensive understanding of industry lending products and dynamics, as well as extensive knowledge of UK regulatory requirements from CONC and Consumer Duty. The individual is required to have experience of processing large unstructured datasets and have strong problem-solving abilities.
The responsibilities include:
+ Evaluating new data sources and stay abreast of industry trends to build upon existing affordability frameworks, and deliver profitable growth strategies, as well as improved customer outcomes
+ Innovating and optimising lending strategies to improve performance efficiencies and customer experience.
+ Collaborating closely with business partners and compliance to drive enterprise-wide projects for the UK market and to achieve sustainable growth objectives
+ Presenting recommendations to risk committees and lead the strategy implementation independently
+ Driving operational excellence and ensuring full compliance with regulatory requirements
**Minimum Qualifications:**
+ 4 years of credit risk experiences in financial institutions
+ Experience with data-driven analytical tools (e.g. SQL, SAS, HIVE/HADOOP, R, Python, Tableau) to process unstructured dataset in order to extract insights, identify trends, and inform business decisions
+ Comprehensive understanding of UK CONC and Consumer Duty requirements on creditworthiness and affordability
+ Be curious and have a problem-solving mindset, ability to drive process change independently
+ Strong analytical skills and sound business acumen, and interpersonal skills to collaborate with stakeholders across functions
+ Good communication and persuasion skills with an ability to translate technical analysis into business strategy recommendations in laymen's term
+ Demonstrates the ability to successfully manage multiple priorities under pressure
+ Advanced degree in quantitative or a related field is preferred
**Qualifications**
We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
+ Competitive base salaries
+ Bonus incentives
+ Support for financial-well-being and retirement
+ Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ Generous paid parental leave policies (depending on your location)
+ Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
+ Free and confidential counseling support through our Healthy Minds program
+ Career development and training opportunities
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
**Job:** Risk
**Primary Location:** United Kingdom-London-London
**Schedule** Full-time
**Req ID:** 25012304
This advertiser has chosen not to accept applicants from your region.
2
Manager Risk Management
London, London
American Express
Posted 11 days ago
Job Viewed
Job Description
**Description**
At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.
Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
**How will you make an impact in this role?**
UK Credit Risk Team's objective is to define and develop credit risk strategies to drive growth and provide good customer outcomes at acquisition and through the customer lifecycle.
The person will be responsible for conducting detailed analysis and implementing new credit risk strategies for UK consumer and small business card acquisition. This person will focus on tracking and explaining acquisitions metrics, developing & evaluating new data sources, and working on projects together with our business partners.
**Responsibilities:**
+ Generate analytical insights and spot hidden trends from data to quickly react to emerging credit trends
+ Collaborate closely with marketing & product teams to help business achieve growth objectives
+ Evaluate new data sources and stay abreast of industry trends to build upon existing frameworks to deliver profitable risk strategies as well as better customer outcomes
+ Develop strong relationships with colleagues from the Central Risk organization, as well as Operations, Product, Acquisitions and Compliance teams to drive enterprise-wide projects for the UK market
+ Drive operational excellence and ensure full compliance with regulatory requirements
**Minimum Qualifications**
+ At least 4 years' experience in risk management or data analytical roles
+ Bachelor's or equivalent in quantitative field (e.g. Finance, Engineering, Physics, Mathematics, Computer Science and Economics)
+ Coding skills in SQL or Python with hands-on experience is required
+ Strong analytical skills with the ability to apply both quantitative methods and business knowledge to build insights and deliver results
+ Knowledge of underwriting and consumer/commercial bureau data
+ Good communication and persuasion skills with an ability to translate technical analysis into business strategy recommendations; conceptualize and sell ideas to internal and external partners
+ Ability to build strong relationships with business partners across the enterprise
+ Proven track record to work independently and within a matrix organization; partnering with capabilities, decision sciences, technology teams and external vendors to deliver solutions quickly and effectively
+ Results driven with strong project management skills and ability to work on multiple priorities
+ Ability to learn quickly and work independently with complex, unstructured initiatives
**Preferred Qualifications**
+ Understanding of statistical concepts
+ Knowledge of UK regulatory landscape for consumer lending
+ Experience leading and developing junior team members
**Qualifications**
We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
+ Competitive base salaries
+ Bonus incentives
+ Support for financial-well-being and retirement
+ Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ Generous paid parental leave policies (depending on your location)
+ Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
+ Free and confidential counseling support through our Healthy Minds program
+ Career development and training opportunities
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
**Job:** Risk
**Primary Location:** United Kingdom-London-London
**Schedule** Full-time
**Req ID:** 25010509
At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.
Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
**How will you make an impact in this role?**
UK Credit Risk Team's objective is to define and develop credit risk strategies to drive growth and provide good customer outcomes at acquisition and through the customer lifecycle.
The person will be responsible for conducting detailed analysis and implementing new credit risk strategies for UK consumer and small business card acquisition. This person will focus on tracking and explaining acquisitions metrics, developing & evaluating new data sources, and working on projects together with our business partners.
**Responsibilities:**
+ Generate analytical insights and spot hidden trends from data to quickly react to emerging credit trends
+ Collaborate closely with marketing & product teams to help business achieve growth objectives
+ Evaluate new data sources and stay abreast of industry trends to build upon existing frameworks to deliver profitable risk strategies as well as better customer outcomes
+ Develop strong relationships with colleagues from the Central Risk organization, as well as Operations, Product, Acquisitions and Compliance teams to drive enterprise-wide projects for the UK market
+ Drive operational excellence and ensure full compliance with regulatory requirements
**Minimum Qualifications**
+ At least 4 years' experience in risk management or data analytical roles
+ Bachelor's or equivalent in quantitative field (e.g. Finance, Engineering, Physics, Mathematics, Computer Science and Economics)
+ Coding skills in SQL or Python with hands-on experience is required
+ Strong analytical skills with the ability to apply both quantitative methods and business knowledge to build insights and deliver results
+ Knowledge of underwriting and consumer/commercial bureau data
+ Good communication and persuasion skills with an ability to translate technical analysis into business strategy recommendations; conceptualize and sell ideas to internal and external partners
+ Ability to build strong relationships with business partners across the enterprise
+ Proven track record to work independently and within a matrix organization; partnering with capabilities, decision sciences, technology teams and external vendors to deliver solutions quickly and effectively
+ Results driven with strong project management skills and ability to work on multiple priorities
+ Ability to learn quickly and work independently with complex, unstructured initiatives
**Preferred Qualifications**
+ Understanding of statistical concepts
+ Knowledge of UK regulatory landscape for consumer lending
+ Experience leading and developing junior team members
**Qualifications**
We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
+ Competitive base salaries
+ Bonus incentives
+ Support for financial-well-being and retirement
+ Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ Generous paid parental leave policies (depending on your location)
+ Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
+ Free and confidential counseling support through our Healthy Minds program
+ Career development and training opportunities
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
**Job:** Risk
**Primary Location:** United Kingdom-London-London
**Schedule** Full-time
**Req ID:** 25010509
This advertiser has chosen not to accept applicants from your region.
3
Manager-Risk Management
London, London
American Express
Posted 11 days ago
Job Viewed
Job Description
**Description**
At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.
Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
**How will you make an impact in this role?**
This role is within the UK Credit Risk Organization lead by the UK Chief Credit Risk Officer tasked with the objective of driving responsible growth with best-in-class credit risk strategies across the customer lifecycle. The position provides a great opportunity to make a difference by developing and implementing customer management controls across Consumer, Small Business and Corporate Cards portfolios. The individual would be responsible for driving customer management strategies, including identifying opportunities or new data solutions to enhance existing frameworks, implementing strategy changes, monitoring internal and industry trends, and collaborating with various internal and external stakeholders. The individual is also required to have experience processing large unstructured datasets and strong problem-solving abilities.
The responsibilities include:
+ Evaluating new data sources to build upon existing credit risk frameworks, and delivering responsible growth strategies, as well as improved customer outcomes
+ Innovating and optimizing customer management strategies to minimize credit losses while improving performance efficiencies and customer experience.
+ Collaborating closely with business partners to drive enterprise-wide projects for the UK market
+ Presenting recommendations to risk committees and lead strategy implementation independently
+ Driving operational excellence and ensuring full compliance with regulatory requirements
**Minimum Qualifications:**
+ 4 years of credit risk experiences in financial institutions.
+ Experience working on credit risk strategies for Credit and Charge Cards
+ Experience with data-driven analytical tools (e.g. SQL, SAS, HIVE/HADOOP, R, Python, Tableau) to process unstructured dataset in order to extract insights, identify trends, and inform business decisions
+ Comprehensive understanding of UK CONC and Consumer Duty requirements on creditworthiness and affordability
+ Be curious and have a problem-solving mindset, ability to drive process change independently
+ Strong analytical skills and sound business acumen, and interpersonal skills to collaborate with stakeholders across functions
+ Good communication and persuasion skills with an ability to translate technical analysis into business strategy recommendations in simpler terms
+ Demonstrates the ability to successfully manage multiple priorities under pressure
+ Advanced degree in quantitative or a related field is preferred
Non-considerations for sponsorship:
Employment eligibility to work with American Express in the UK is required as the company will not pursue visa sponsorship for these positions.
**Qualifications**
We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
+ Competitive base salaries
+ Bonus incentives
+ Support for financial-well-being and retirement
+ Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ Generous paid parental leave policies (depending on your location)
+ Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
+ Free and confidential counseling support through our Healthy Minds program
+ Career development and training opportunities
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
**Job:** Risk
**Primary Location:** United Kingdom-London-London
**Schedule** Full-time
**Req ID:** 25013612
At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.
Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
**How will you make an impact in this role?**
This role is within the UK Credit Risk Organization lead by the UK Chief Credit Risk Officer tasked with the objective of driving responsible growth with best-in-class credit risk strategies across the customer lifecycle. The position provides a great opportunity to make a difference by developing and implementing customer management controls across Consumer, Small Business and Corporate Cards portfolios. The individual would be responsible for driving customer management strategies, including identifying opportunities or new data solutions to enhance existing frameworks, implementing strategy changes, monitoring internal and industry trends, and collaborating with various internal and external stakeholders. The individual is also required to have experience processing large unstructured datasets and strong problem-solving abilities.
The responsibilities include:
+ Evaluating new data sources to build upon existing credit risk frameworks, and delivering responsible growth strategies, as well as improved customer outcomes
+ Innovating and optimizing customer management strategies to minimize credit losses while improving performance efficiencies and customer experience.
+ Collaborating closely with business partners to drive enterprise-wide projects for the UK market
+ Presenting recommendations to risk committees and lead strategy implementation independently
+ Driving operational excellence and ensuring full compliance with regulatory requirements
**Minimum Qualifications:**
+ 4 years of credit risk experiences in financial institutions.
+ Experience working on credit risk strategies for Credit and Charge Cards
+ Experience with data-driven analytical tools (e.g. SQL, SAS, HIVE/HADOOP, R, Python, Tableau) to process unstructured dataset in order to extract insights, identify trends, and inform business decisions
+ Comprehensive understanding of UK CONC and Consumer Duty requirements on creditworthiness and affordability
+ Be curious and have a problem-solving mindset, ability to drive process change independently
+ Strong analytical skills and sound business acumen, and interpersonal skills to collaborate with stakeholders across functions
+ Good communication and persuasion skills with an ability to translate technical analysis into business strategy recommendations in simpler terms
+ Demonstrates the ability to successfully manage multiple priorities under pressure
+ Advanced degree in quantitative or a related field is preferred
Non-considerations for sponsorship:
Employment eligibility to work with American Express in the UK is required as the company will not pursue visa sponsorship for these positions.
**Qualifications**
We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
+ Competitive base salaries
+ Bonus incentives
+ Support for financial-well-being and retirement
+ Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ Generous paid parental leave policies (depending on your location)
+ Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
+ Free and confidential counseling support through our Healthy Minds program
+ Career development and training opportunities
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
**Job:** Risk
**Primary Location:** United Kingdom-London-London
**Schedule** Full-time
**Req ID:** 25013612
This advertiser has chosen not to accept applicants from your region.
4
DGM Insurance Risk Management
London, London
HR GO Recruitment
Posted 2 days ago
Job Viewed
Job Description
Department General Manager - Insurance Risk Management
Monday to Friday 9am to 5pm
Hybrid working with 3 days in the office and 2 days working from home
Amazing blue-chip client is seeking an experienced Senior Department general manager to lead the Insurance Risk Management team.
- Significant experience working at a senior level as a risk manager in a multinational corporation (preferable) or brokers or underwriters, leading a department
- Expertise across a wide range of insurance lines such as Property & Casualty, Marine Cargo, Credit, Construction, Energy, Aviation etc. would be highly regarded
- Experience of managing, motivating and developing a team as a manager and manager of managers
Full responsibility for executing strategy along with Senior DGM, this role having full accountability for team performance and delivery of strategic targets.
Enhance and maintain relationship with key insurance companies and brokers in Europe where existing business relation along with building these connections with insurance companies and brokers as well.
Build strong relationship with leaders across the organization and group of companies.
Qualifications:
- Degree qualified in business administration, accounting, finance or a related area, or qualified by experience
- Professional qualification in an insurance business area such as ACII, CPCU at least Cert CII ideal or qualified by experience.
Skills:
- Excellent communication, collaboration and networking skills at all levels
- Great level of corporate insurance knowledge
- Experience of setting and executing department strategy
- Excellent written and oral presentation skills
- Logical and critical thinking skills
- Budgeting and/or cost control experience
- Ability to prioritise and multitask, including managing multiple issues and projects simultaneously
- Flexibility to meet travel requirements of the department.
Personal qualities/Attributes:
- Self-driven and proactive
- Comfortable and competent in dealing with other DGM's or above leaders within the organisation and with public speaking
- Be a trusted mentor and manager to the team members, including managerial members.
- Fluent English (Japanese (spoken & written) advantageous for documents and communication to head office.
For more information and full job spec details please get in touch with Michelle Ings, Executive Search HRGO team London (url removed)
This advertiser has chosen not to accept applicants from your region.
5
DGM Insurance Risk Management
London, London
HR GO Recruitment
Posted 2 days ago
Job Viewed
Job Description
Department General Manager - Insurance Risk Management
Monday to Friday 9am to 5pm
Hybrid working with 3 days in the office and 2 days working from home
Amazing blue-chip client is seeking an experienced Senior Department general manager to lead the Insurance Risk Management team.
- Significant experience working at a senior level as a risk manager in a multinational corporation (preferable) or brokers or underwriters, leading a department
- Expertise across a wide range of insurance lines such as Property & Casualty, Marine Cargo, Credit, Construction, Energy, Aviation etc. would be highly regarded
- Experience of managing, motivating and developing a team as a manager and manager of managers
Full responsibility for executing strategy along with Senior DGM, this role having full accountability for team performance and delivery of strategic targets.
Enhance and maintain relationship with key insurance companies and brokers in Europe where existing business relation along with building these connections with insurance companies and brokers as well.
Build strong relationship with leaders across the organization and group of companies.
Qualifications:
- Degree qualified in business administration, accounting, finance or a related area, or qualified by experience
- Professional qualification in an insurance business area such as ACII, CPCU at least Cert CII ideal or qualified by experience.
Skills:
- Excellent communication, collaboration and networking skills at all levels
- Great level of corporate insurance knowledge
- Experience of setting and executing department strategy
- Excellent written and oral presentation skills
- Logical and critical thinking skills
- Budgeting and/or cost control experience
- Ability to prioritise and multitask, including managing multiple issues and projects simultaneously
- Flexibility to meet travel requirements of the department.
Personal qualities/Attributes:
- Self-driven and proactive
- Comfortable and competent in dealing with other DGM's or above leaders within the organisation and with public speaking
- Be a trusted mentor and manager to the team members, including managerial members.
- Fluent English (Japanese (spoken & written) advantageous for documents and communication to head office.
For more information and full job spec details please get in touch with Michelle Ings, Executive Search HRGO team London (url removed)
This advertiser has chosen not to accept applicants from your region.
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6
Senior Analyst, Risk Management
London, London
American Express
Posted 4 days ago
Job Viewed
Job Description
**Description**
At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.
Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
**How will you make an impact in this role?**
The International Fraud Risk Management (FRM) organization manages the policies, procedures and systems to control fraudulent use of American Express products and services across Europe Middle East and Africa. FRM helps enable profitable business growth by reducing the risk of fraud and maintaining our customer's confidence in the security of our products.
We use both process controls and statistical tools to detect fraud and minimize the disruption of good spending. FRM is also accountable for building the infrastructure to manage the emerging risks associated with e-commerce and internet services.
The role involves managing EMEA issuer Card Not Present fraud risk strategy with aim to maximise legitimate spend and driving reduction in fraud losses as well as managing PSD2 related tasks and regulatory reporting, audits and building new strategies to adhere to regulatory changes as well as new emerging fraud trends. The role will be based in Brighton or London.
The position will require a close collaboration with Decision Science and Fraud Strategy teams on development and implementation of strategies aimed to improve fraud controls in Card Not Present area. It will also entail working with FRM product teams, Consumer and Corporate business lines as well as Control Management, Legal, Compliance and other cross functional teams to enable and manage rollout of new capabilities and strategies aimed at securing growth of the portfolio in the region while ensuring appropriate fraud risk controls are in place.
Manage EMEA issuer fraud risk strategy for card not present area (online and Mail order/Telephone order, recurring billing) holistically. Closely monitor portfolio MIS, perform analyses and conduct regular fraud case reviews to identify vulnerabilities and opportunity for incremental controls & transaction model enhancements and more effective risk strategies.
**Core responsibilities:**
+ Collaborate with security teams on compromise and data breach investigation and provide input and analysis required by business teams and law enforcement agencies
+ Work in partnership with control management teams to ensure that fraud policy controls driven by regulatory requirements are designed as expected to mitigate non-compliance risks
+ Drive deployment of Issuer fraud risk capabilities and controls around incremental data points available in enhanced 3DS SafeKey messages and new data points made available by vendors or merchants through close collaboration with FRM Decision Science and Digital Experiences team
+ Support fraud regulatory reports validation and consultancy related to shaping the Point of Arrival approach at the enterprise level
+ Partner with other functional areas and Lines of Business to respond to any new/incremental regulatory needs impacting Card Not Present/eCommerce sector and provide fraud risk consultancy/assessment
+ Partner with FRM counterparts in other regions, utilise internal cross region best practices and industry knowledge to incorporate feedback to drive continuous fraud prevention
+ Support external and internal audit activities related to fraud risk owned controls, capabilities or processes.
This role may be subject to additional background verification checks.
**Minimum Qualification**
+ Demonstrated experience in problem solving and analytical skills are crucial.
+ Strong SQL/Python and Microsoft Office tools expertise is required
+ Strong communication and presentation skills to convey fraud insights and thoughtful leadership in managing fraud business strategies
+ Proven track record of working proactively and independently to drive results
+ Ability to analyse structured and unstructured data and translate data into quantifiably and meaningful solutions. Demonstrated ability to deliver data driven recommendations
+ Project management experience with ability to manage multiple initiatives simultaneously and proven flawless execution
+ Exceptional ability to think strategically and analytically
+ Excellent relationship management skills - demonstrated the ability to forge and sustain complex business relationships across
+ Ability to manage multiple requests and changing priorities and to work in a fast-paced dynamic environment. Demonstrated ability to work effectively in a high-pressure situation, handling several priority assignments simultaneously
+ Self-starter with the ability to make sound risk-based decisions based on data independently
+ Experience in Fraud and fraud analytics is preferred
+ Undergraduate/Master degree is required
**Preferred Qualifications**
+ Experience in Fraud risk management and fraud analytics is preferred
+ Project management experience with ability to manage multiple initiatives simultaneously and proven flawless execution
Non-considerations for sponsorship: Employment eligibility to work with American Express in the UK is required as the company will not pursue visa sponsorship for these positions.
**Qualifications**
We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
+ Competitive base salaries
+ Bonus incentives
+ Support for financial-well-being and retirement
+ Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ Generous paid parental leave policies (depending on your location)
+ Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
+ Free and confidential counseling support through our Healthy Minds program
+ Career development and training opportunities
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
**Job:** Risk
**Primary Location:** United Kingdom-East Sussex-Brighton
**Other Locations:** United Kingdom-London-London
**Schedule** Full-time
**Req ID:** 25014281
At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.
Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
**How will you make an impact in this role?**
The International Fraud Risk Management (FRM) organization manages the policies, procedures and systems to control fraudulent use of American Express products and services across Europe Middle East and Africa. FRM helps enable profitable business growth by reducing the risk of fraud and maintaining our customer's confidence in the security of our products.
We use both process controls and statistical tools to detect fraud and minimize the disruption of good spending. FRM is also accountable for building the infrastructure to manage the emerging risks associated with e-commerce and internet services.
The role involves managing EMEA issuer Card Not Present fraud risk strategy with aim to maximise legitimate spend and driving reduction in fraud losses as well as managing PSD2 related tasks and regulatory reporting, audits and building new strategies to adhere to regulatory changes as well as new emerging fraud trends. The role will be based in Brighton or London.
The position will require a close collaboration with Decision Science and Fraud Strategy teams on development and implementation of strategies aimed to improve fraud controls in Card Not Present area. It will also entail working with FRM product teams, Consumer and Corporate business lines as well as Control Management, Legal, Compliance and other cross functional teams to enable and manage rollout of new capabilities and strategies aimed at securing growth of the portfolio in the region while ensuring appropriate fraud risk controls are in place.
Manage EMEA issuer fraud risk strategy for card not present area (online and Mail order/Telephone order, recurring billing) holistically. Closely monitor portfolio MIS, perform analyses and conduct regular fraud case reviews to identify vulnerabilities and opportunity for incremental controls & transaction model enhancements and more effective risk strategies.
**Core responsibilities:**
+ Collaborate with security teams on compromise and data breach investigation and provide input and analysis required by business teams and law enforcement agencies
+ Work in partnership with control management teams to ensure that fraud policy controls driven by regulatory requirements are designed as expected to mitigate non-compliance risks
+ Drive deployment of Issuer fraud risk capabilities and controls around incremental data points available in enhanced 3DS SafeKey messages and new data points made available by vendors or merchants through close collaboration with FRM Decision Science and Digital Experiences team
+ Support fraud regulatory reports validation and consultancy related to shaping the Point of Arrival approach at the enterprise level
+ Partner with other functional areas and Lines of Business to respond to any new/incremental regulatory needs impacting Card Not Present/eCommerce sector and provide fraud risk consultancy/assessment
+ Partner with FRM counterparts in other regions, utilise internal cross region best practices and industry knowledge to incorporate feedback to drive continuous fraud prevention
+ Support external and internal audit activities related to fraud risk owned controls, capabilities or processes.
This role may be subject to additional background verification checks.
**Minimum Qualification**
+ Demonstrated experience in problem solving and analytical skills are crucial.
+ Strong SQL/Python and Microsoft Office tools expertise is required
+ Strong communication and presentation skills to convey fraud insights and thoughtful leadership in managing fraud business strategies
+ Proven track record of working proactively and independently to drive results
+ Ability to analyse structured and unstructured data and translate data into quantifiably and meaningful solutions. Demonstrated ability to deliver data driven recommendations
+ Project management experience with ability to manage multiple initiatives simultaneously and proven flawless execution
+ Exceptional ability to think strategically and analytically
+ Excellent relationship management skills - demonstrated the ability to forge and sustain complex business relationships across
+ Ability to manage multiple requests and changing priorities and to work in a fast-paced dynamic environment. Demonstrated ability to work effectively in a high-pressure situation, handling several priority assignments simultaneously
+ Self-starter with the ability to make sound risk-based decisions based on data independently
+ Experience in Fraud and fraud analytics is preferred
+ Undergraduate/Master degree is required
**Preferred Qualifications**
+ Experience in Fraud risk management and fraud analytics is preferred
+ Project management experience with ability to manage multiple initiatives simultaneously and proven flawless execution
Non-considerations for sponsorship: Employment eligibility to work with American Express in the UK is required as the company will not pursue visa sponsorship for these positions.
**Qualifications**
We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
+ Competitive base salaries
+ Bonus incentives
+ Support for financial-well-being and retirement
+ Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ Generous paid parental leave policies (depending on your location)
+ Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
+ Free and confidential counseling support through our Healthy Minds program
+ Career development and training opportunities
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
**Job:** Risk
**Primary Location:** United Kingdom-East Sussex-Brighton
**Other Locations:** United Kingdom-London-London
**Schedule** Full-time
**Req ID:** 25014281
This advertiser has chosen not to accept applicants from your region.
7
Director, Liquidity Risk Management
London, London
MUFG
Posted 11 days ago
Job Viewed
Job Description
**Do you want your voice heard and your actions to count?**
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world's leading financial groups. Across the globe, we're 120,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.
With a vision to be the world's most trusted financial group, it's part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.
Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.
**OVERVIEW OF THE DEPARTMENT/SECTION**
The Liquidity Risk team is part of the broader Market and Liquidity Risk Management department and represents the firm's second line of defence to monitor adherence to the firm's market risk appetite.
**MAIN PURPOSE OF THE ROLE**
**Main Purpose and Accountability of the Role**
Specifically you have accountability for supporting the Head of Liquidity Risk for MUS(EMEA) and MUFG London Branch for Liquidity Risk Management for both entities.
**Roles, Scope and Reporting Structure**
Liquidity Risk Manager for MUS(EMEA) and MUFG London Branch receives authority from and reports to the Head of Liquidity Risk for MUS(EMEA) and MUFG London Branch.
**KEY RESPONSIBILITIES**
The role holder supports the Head of Liquidity Risk for MUS(EMEA) and MUFG London Branch responsibilities and specifically is responsible for the following:
+ Work closely with the Treasury, Front Office and support departments to establish new business activities and products and ensure key risk issues are highlighted and addressed in the trade approval process.
+ Provide challenge and review to first line functions as per the conventional responsibilities expected of those within a second line control function.
+ Ensure that adequate limits and risk framework are in place aligning with the firm's overall risk appetite and mandates, that risk positions are well managed within the established limits and limit breaches are appropriately escalated.
+ Providing accurate management information to facilitate better business decisions.
+ Maintain oversight over the quality of risk information in reports produced by the reporting team.
+ Engaging where appropriate relevant compliance/control processes and initiatives, e.g. Operational Risk, Internal Audits etc.
+ Engaging as a stakeholder where appropriate in the risk projects and ensuring that this reflects business and functional needs.
+ Keeping up to date with all regulatory liquidity requirements (local and Overseas) and assist with compliance on an on-going basis. This involves pro-active engagement with other areas of the Bank to share understanding of regulatory developments in the liquidity space.
For MUS(EMEA):
+ Monitor internal and external funding and liquidity metrics produced by the 1LoD to ensure that they remain within risk appetite and movements are explained and breaches are escalated to senior management / the regulator in a timely manner.
+ Review and challenge assumptions applied in liquidity metric calculations (e.g. MCO, LCR, NSFR, ALMM).
+ Review regulatory and industry updates (PRA consultation papers / statements of policy / EBA Q&As etc.) and opine on Treasury's interpretation of the guidance.
+ Review and challenge 1LoD owned policies (e.g. ILAAP, Regulatory Reporting Policy, FTP Policy, Contingency Funding Plan (CFP), Funding and Liquidity Risk Policy etc.).
+ Participate in the annual CFP test.
+ Review, challenge and approval of liquidity risk appetite (including limits).
+ Review and challenge EWI triggers and daily monitoring of Treasury/Finance produced metrics.
+ Review Interest Rate in the Banking Book (IRRBB) metrics and ensure these are governed, calculated, appropriately
For MUFG London Branch:
+ Management of MUFG London Branch's internal liquidity risk stress-tests and gap metrics ensuring the accuracy and timeliness of information for the purposes of stress-testing and gap monitoring.
+ Responsibility for monitoring of liquidity risk for internal risk management.
+ Escalation of any vulnerability to Head of Liquidity Risk.
+ Monitoring of liquidity profile relative to liquidity metrics both local and Head Office.
+ Review and challenge EWI triggers.
+ Involvement in the annual CFP test.
Relationship with other functions and stakeholders
+ The role holder will manage the following matters, appropriate for LRM, and is responsible for:
+ Maintaining and enhancing good working relationships with stakeholders, including business and control / infrastructure teams globally.
+ Working in partnership with Risk specialists across the region and globally to share best practice, provide support and develop effective risk policies appropriate to EMEA.
+ Interacting with Regulators, Inspectors and Internal and External Auditors on matters pertaining to the remit of the head of liquidity risk where necessary.
**SKILLS AND EXPERIENCE**
**Functional / Technical Competencies:**
Essential
+ 10+ years of experience in liquidity risk
+ Experience with liquidity risk management for broker/dealer entities.
+ Thorough understanding of regulatory metrics and calculation methods and assumptions.
+ Demonstrated ability to develop, review and maintain internal stress testing models
+ Excellent understanding of capital markets and products.
**Education / Qualifications:**
Preferred
+ Experience with regulation and calculation of metrics for interest rate in the banking book, especially for broker dealer metrics
+ At least a 2:1 Degree or equivalent in a numerical / science based subject
+ Management experience
We are open to considering flexible working requests in line with organisational requirements.
MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.
We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.
At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!
**Our Culture Principles**
+ Client Centric
+ People Focused
+ Listen Up. Speak Up.
+ Innovate & Simplify
+ Own & Execute
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world's leading financial groups. Across the globe, we're 120,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.
With a vision to be the world's most trusted financial group, it's part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.
Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.
**OVERVIEW OF THE DEPARTMENT/SECTION**
The Liquidity Risk team is part of the broader Market and Liquidity Risk Management department and represents the firm's second line of defence to monitor adherence to the firm's market risk appetite.
**MAIN PURPOSE OF THE ROLE**
**Main Purpose and Accountability of the Role**
Specifically you have accountability for supporting the Head of Liquidity Risk for MUS(EMEA) and MUFG London Branch for Liquidity Risk Management for both entities.
**Roles, Scope and Reporting Structure**
Liquidity Risk Manager for MUS(EMEA) and MUFG London Branch receives authority from and reports to the Head of Liquidity Risk for MUS(EMEA) and MUFG London Branch.
**KEY RESPONSIBILITIES**
The role holder supports the Head of Liquidity Risk for MUS(EMEA) and MUFG London Branch responsibilities and specifically is responsible for the following:
+ Work closely with the Treasury, Front Office and support departments to establish new business activities and products and ensure key risk issues are highlighted and addressed in the trade approval process.
+ Provide challenge and review to first line functions as per the conventional responsibilities expected of those within a second line control function.
+ Ensure that adequate limits and risk framework are in place aligning with the firm's overall risk appetite and mandates, that risk positions are well managed within the established limits and limit breaches are appropriately escalated.
+ Providing accurate management information to facilitate better business decisions.
+ Maintain oversight over the quality of risk information in reports produced by the reporting team.
+ Engaging where appropriate relevant compliance/control processes and initiatives, e.g. Operational Risk, Internal Audits etc.
+ Engaging as a stakeholder where appropriate in the risk projects and ensuring that this reflects business and functional needs.
+ Keeping up to date with all regulatory liquidity requirements (local and Overseas) and assist with compliance on an on-going basis. This involves pro-active engagement with other areas of the Bank to share understanding of regulatory developments in the liquidity space.
For MUS(EMEA):
+ Monitor internal and external funding and liquidity metrics produced by the 1LoD to ensure that they remain within risk appetite and movements are explained and breaches are escalated to senior management / the regulator in a timely manner.
+ Review and challenge assumptions applied in liquidity metric calculations (e.g. MCO, LCR, NSFR, ALMM).
+ Review regulatory and industry updates (PRA consultation papers / statements of policy / EBA Q&As etc.) and opine on Treasury's interpretation of the guidance.
+ Review and challenge 1LoD owned policies (e.g. ILAAP, Regulatory Reporting Policy, FTP Policy, Contingency Funding Plan (CFP), Funding and Liquidity Risk Policy etc.).
+ Participate in the annual CFP test.
+ Review, challenge and approval of liquidity risk appetite (including limits).
+ Review and challenge EWI triggers and daily monitoring of Treasury/Finance produced metrics.
+ Review Interest Rate in the Banking Book (IRRBB) metrics and ensure these are governed, calculated, appropriately
For MUFG London Branch:
+ Management of MUFG London Branch's internal liquidity risk stress-tests and gap metrics ensuring the accuracy and timeliness of information for the purposes of stress-testing and gap monitoring.
+ Responsibility for monitoring of liquidity risk for internal risk management.
+ Escalation of any vulnerability to Head of Liquidity Risk.
+ Monitoring of liquidity profile relative to liquidity metrics both local and Head Office.
+ Review and challenge EWI triggers.
+ Involvement in the annual CFP test.
Relationship with other functions and stakeholders
+ The role holder will manage the following matters, appropriate for LRM, and is responsible for:
+ Maintaining and enhancing good working relationships with stakeholders, including business and control / infrastructure teams globally.
+ Working in partnership with Risk specialists across the region and globally to share best practice, provide support and develop effective risk policies appropriate to EMEA.
+ Interacting with Regulators, Inspectors and Internal and External Auditors on matters pertaining to the remit of the head of liquidity risk where necessary.
**SKILLS AND EXPERIENCE**
**Functional / Technical Competencies:**
Essential
+ 10+ years of experience in liquidity risk
+ Experience with liquidity risk management for broker/dealer entities.
+ Thorough understanding of regulatory metrics and calculation methods and assumptions.
+ Demonstrated ability to develop, review and maintain internal stress testing models
+ Excellent understanding of capital markets and products.
**Education / Qualifications:**
Preferred
+ Experience with regulation and calculation of metrics for interest rate in the banking book, especially for broker dealer metrics
+ At least a 2:1 Degree or equivalent in a numerical / science based subject
+ Management experience
We are open to considering flexible working requests in line with organisational requirements.
MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.
We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.
At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!
**Our Culture Principles**
+ Client Centric
+ People Focused
+ Listen Up. Speak Up.
+ Innovate & Simplify
+ Own & Execute
This advertiser has chosen not to accept applicants from your region.
8
Manager, Risk Management - RTP Global
Greater London, London
Mastercard
Posted 11 days ago
Job Viewed
Job Description
**Our Purpose**
_Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential._
**Title and Summary**
Manager, Risk Management - RTP Global
Risk Manager, Real Time Payments (RTP) Global
Job Description
Who is Mastercard?
Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart, and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments, and businesses realize their greatest potential.
Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.
What is the opportunity?
This is an exciting opportunity to help establish the 1st line Risk & Control capabilities for Real Time Payments (RTP) Global at Mastercard. RTP Global is the product and innovation program within RTP, dedicated to developing future focused solutions that optimize real-time payment flows to power economies around the world. The successful candidate will become part of a high performing team, dedicated to delivering a robust, secure and resilient service to multiple countries and over 32 billion transactions per year.
This role is part of a newly formed Risk & Control Function within the 1st Line of Defense, with a reporting line into Risk & Controls Director.
The appointee will support the Risk & Controls Director by embedding a risk management framework and culture to improve risk identification, management, treatment and reporting across the organization. This is a strategically important role that requires the need to work closely and broadly across the organization to enhance decision making whilst reducing strategic, product, and operational risks in the business unit.
You will operate in accordance with the 3 Lines of Defense (3LoD) operating model and in alignment with the Mastercard Risk Management Framework and relevant Policies & Procedures.
What are the key responsibilities of the Role?
In this position, you will:
- Manage and maintain relevant risk registers, including design and documentation of controls
- Prepare accurate and timely risk & control reporting for established governance forums (e.g., Risk Committee, Audit Committee, Executive Committee) driving automation whenever possible
- Engage with Risk and Control Owners, acting as a partner to the business and supporting delivery of capabilities that allow timely, appropriate and transparent risk-reward decisions
- Evaluate risk exposures including the identification, assessment and monitoring of the inherent and residual risks, biggest risk exposures, the third-party risks and any risk concentrations, to enable RTP leadership make informed decisions
- Perform control assessments, inclusive of control design and effectiveness
- Design and put controls in place to manage RTP's business safely, sustainably and within risk appetite
- Look forward and undertake horizon scanning to anticipate threats and risks ahead
- Provide risk briefings to senior risk colleagues when required, ensuring risks, issues and appetite breaches are monitored and escalated thoughtfully
- Support cross-functional initiatives to deliver on risk goals, policies and processes
- Partner with the Lines of Business to identify, track, escalate and resolve issues in a timely manner
- Understand and comply with relevant legal and regulatory requirements applicable to RTP
What knowledge and skills are we looking for?
The ideal candidate for this position exhibits the following skills and capabilities:
- Knowledge of key risk management principles supported by relevant experience, strategic and product risk management experience preferred
- Solid understanding of the three lines of defense operating model
- Able to confidently develop trusted relationships with peers and senior stakeholders
- Able to work with minimal supervision
- Analytical and can work with data
- Able to plan and adapt quickly to changes in priorities
- Team Player - ability to build and maintain effective working relationships with a wide range of people
- Strong discipline regarding accuracy and quality of output
- Experience with Power BI, AI Copilot, OpenPages, Archer tooling preferred
Mastercard is an inclusive Equal Employment Opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law.
If you require accommodations or assistance to complete the online application process, please contact and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly.
Corporate Security Responsibility
All Activities Involving Access To Mastercard Assets, Information, And Networks Comes With An Inherent Risk To The Organization And Therefore, It Is Expected That The Successful Candidate For This Position Must.
Every person working for, or on behalf of, Mastercard is responsible for information security and must
abide by Mastercard's security policies and practices, including
- Ensure the confidentiality and integrity of the information being accessed.
- Report any suspected information security violation or breach, and
- Complete all periodic mandatory security trainings in accordance with Mastercard's guidelines.
**Corporate Security Responsibility**
All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:
+ Abide by Mastercard's security policies and practices;
+ Ensure the confidentiality and integrity of the information being accessed;
+ Report any suspected information security violation or breach, and
+ Complete all periodic mandatory security trainings in accordance with Mastercard's guidelines.
_Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential._
**Title and Summary**
Manager, Risk Management - RTP Global
Risk Manager, Real Time Payments (RTP) Global
Job Description
Who is Mastercard?
Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart, and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments, and businesses realize their greatest potential.
Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.
What is the opportunity?
This is an exciting opportunity to help establish the 1st line Risk & Control capabilities for Real Time Payments (RTP) Global at Mastercard. RTP Global is the product and innovation program within RTP, dedicated to developing future focused solutions that optimize real-time payment flows to power economies around the world. The successful candidate will become part of a high performing team, dedicated to delivering a robust, secure and resilient service to multiple countries and over 32 billion transactions per year.
This role is part of a newly formed Risk & Control Function within the 1st Line of Defense, with a reporting line into Risk & Controls Director.
The appointee will support the Risk & Controls Director by embedding a risk management framework and culture to improve risk identification, management, treatment and reporting across the organization. This is a strategically important role that requires the need to work closely and broadly across the organization to enhance decision making whilst reducing strategic, product, and operational risks in the business unit.
You will operate in accordance with the 3 Lines of Defense (3LoD) operating model and in alignment with the Mastercard Risk Management Framework and relevant Policies & Procedures.
What are the key responsibilities of the Role?
In this position, you will:
- Manage and maintain relevant risk registers, including design and documentation of controls
- Prepare accurate and timely risk & control reporting for established governance forums (e.g., Risk Committee, Audit Committee, Executive Committee) driving automation whenever possible
- Engage with Risk and Control Owners, acting as a partner to the business and supporting delivery of capabilities that allow timely, appropriate and transparent risk-reward decisions
- Evaluate risk exposures including the identification, assessment and monitoring of the inherent and residual risks, biggest risk exposures, the third-party risks and any risk concentrations, to enable RTP leadership make informed decisions
- Perform control assessments, inclusive of control design and effectiveness
- Design and put controls in place to manage RTP's business safely, sustainably and within risk appetite
- Look forward and undertake horizon scanning to anticipate threats and risks ahead
- Provide risk briefings to senior risk colleagues when required, ensuring risks, issues and appetite breaches are monitored and escalated thoughtfully
- Support cross-functional initiatives to deliver on risk goals, policies and processes
- Partner with the Lines of Business to identify, track, escalate and resolve issues in a timely manner
- Understand and comply with relevant legal and regulatory requirements applicable to RTP
What knowledge and skills are we looking for?
The ideal candidate for this position exhibits the following skills and capabilities:
- Knowledge of key risk management principles supported by relevant experience, strategic and product risk management experience preferred
- Solid understanding of the three lines of defense operating model
- Able to confidently develop trusted relationships with peers and senior stakeholders
- Able to work with minimal supervision
- Analytical and can work with data
- Able to plan and adapt quickly to changes in priorities
- Team Player - ability to build and maintain effective working relationships with a wide range of people
- Strong discipline regarding accuracy and quality of output
- Experience with Power BI, AI Copilot, OpenPages, Archer tooling preferred
Mastercard is an inclusive Equal Employment Opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law.
If you require accommodations or assistance to complete the online application process, please contact and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly.
Corporate Security Responsibility
All Activities Involving Access To Mastercard Assets, Information, And Networks Comes With An Inherent Risk To The Organization And Therefore, It Is Expected That The Successful Candidate For This Position Must.
Every person working for, or on behalf of, Mastercard is responsible for information security and must
abide by Mastercard's security policies and practices, including
- Ensure the confidentiality and integrity of the information being accessed.
- Report any suspected information security violation or breach, and
- Complete all periodic mandatory security trainings in accordance with Mastercard's guidelines.
**Corporate Security Responsibility**
All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:
+ Abide by Mastercard's security policies and practices;
+ Ensure the confidentiality and integrity of the information being accessed;
+ Report any suspected information security violation or breach, and
+ Complete all periodic mandatory security trainings in accordance with Mastercard's guidelines.
This advertiser has chosen not to accept applicants from your region.
9