Description
As the Branch Operations – Risk Mitigation Analyst, you play a critical role in protecting the bank from operational, fraud, and customer-related risks. You are a data-driven thinker who identifies trends, uncovers root causes, and recommends impactful changes to reduce risk exposure across all channels. You collaborate closely with business partners across the bank—particularly with our process improvement, digital, and fraud teams—to understand internal systems and workflows and identify areas for enhancement.
This role requires intellectual curiosity, strong analytical capabilities, and a proactive approach to identifying fraud patterns, procedural gaps, and behaviors that could pose risk to the bank, employees, and customers. You are not just a problem-spotter—you are a solution-recommender.
Essential Job Responsibilities
1. Risk Analysis & Strategy
a) Analyze operational, fraud, and risk data to identify loss trends and emerging threats.
b) Interpret data to provide recommendations that reduce risk and align with the bank's overall strategic goals.
c) Own the investigation of fraud and risk incidents, compiling insights and proposing long-term process improvements.
2. Cross-Functional Partnership
a) Work closely with the Process Improvement Manager to identify process gaps that increase risk to the bank and its employees.
b) Partner with bank leadership to recommend customer exits when necessary, particularly when customer behavior presents ongoing threats or losses.
c) Collaborate with Software & Application teams to understand current systems, recognize gaps in workflows, and recommend technological or procedural improvements.
3. Charge-Off & Fraud Oversight
a) Manage and oversee the deposit account charge-off process, ensuring policies are followed and risk is contained.
b) Monitor reports to ensure exited customers are not re-entering the bank through alternate channels.
c) Establish controls and checkpoints to track repeat offenders and suspicious patterns.
4. Employee Error Tracking & Root Cause Analysis
a) Track and monitor employee errors that pose risk to the bank and customers.
b) Manage the Policy Violation Process, ensuring errors are documented, analyzed, and addressed consistently.
c) Identify root causes of errors by evaluating gaps in systems, workflows, and training.
d) Recommend and implement systematic controls to eliminate opportunities for repeat errors, using data-driven insights.
e) Collaborate with the Process Improvement and Operational Support teams to refine processes and ensure a sustainable reduction in risk related to human error.
5. Branch Experience & Feedback Integration
a) Create and maintain feedback loops with branch teams to stay current with operational realities and risk vulnerabilities.
b) Gather field intelligence to inform process updates and ensure risk mitigation strategies are grounded in real-world practice.
6. Digital Risk Mitigation
a) Collaborate with Digital Banking teams to reduce risk across all customer-facing digital channels, including:
i. ATMs
ii. Mobile Deposit
iii. Online Account Opening
iv. Internet and Mobile Banking access
7. Fraud Education & Industry Engagement
a) Partner with Operational Support Champions (OSCs) to educate employees on active scams, fraud rings, and suspicious transaction trends.
b) Join fraud and risk industry groups to stay ahead of tactics used by fraudsters and disseminate learnings to frontline teams to better safeguard the bank.
8. Policy, Procedure & Change Leadership
a) Regularly evaluate bank policies and procedures; proactively recommend updates or new controls to align with fraud trends and regulatory expectations.
b) Write or revise policy and procedure documentation in partnership with Process Improvement Manager, Compliance, Legal, and Training teams.
c) Effectively communicate changes across all levels of the organization, ensuring frontline adoption and accountability.
9. Data Reporting & Continuous Improvement
a) Monitor and interpret key risk indicators (KRIs) and loss data; share findings with leadership.
b) Recommend predictive risk tools and dashboards that support real-time decision making.
c) Continuously assess and adjust initiatives based on results, lessons learned, and changing trends.
Bona Fide Occupational Qualifications
1. Bachelor's degree or equivalent work experience required.
2. Minimum of seven (7) years in a risk, operations, compliance, or fraud-focused environment. Leadership experience (formal or informal) preferred.
3. Strong ability to analyze data, identify patterns and trends, trace errors to root causes, and develop actionable, strategic solutions to reduce risk.
4. Excellent verbal and written communication skills; ability to effectively communicate findings, influence change, and collaborate with multiple stakeholders across all levels of the organization.
5. Knowledge of Risk Management Principles: Deep understanding of risk identification, assessment, mitigation, and control frameworks, especially related to operational and fraud risk in banking.
6. Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint) and comfort working with risk management software, analytical tools, and reporting dashboards.
7. Knowledge of banking operations, fraud prevention, regulatory compliance, and customer risk management is strongly preferred.
8. A proactive, curious mindset focused on continuously seeking opportunities to improve processes, reduce risk, and recommend sustainable change.
9. Excellent organizational skills, attention to detail, and time management abilities to manage multiple initiatives simultaneously.
10. Must possess a valid driver's license and travel regionally.
11. May be eligible for Telecommuting.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)
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