As a Sr. Director of Operational Risk Management (“ORM”), you’ll impact the lives of everyday people and help them go from surviving to thriving with innovative digital personal finance solutions. You will oversee the risk management function across the personal lending and mortgage lending businesses.

• Report directly to the President of Lending to design, implement, and sustain a comprehensive First Line of Defense Program across multiple risk disciplines. This role is a key contributor to the future growth of the business, by directing all “first line” risk management activities.
• Lead a team of 10-15 risk management professionals to design and implement improved risk management capabilities, in alignment with the Enterprise Compliance & Risk Management Framework, through ongoing reviews of policies, procedures, systems, and processes in areas such as: (i) digital/lead acquisition (ii) loan originations and quality control; (iii) loan servicing oversight; (iv) loan sale transfers; and, (v) complaints management, among others.
• Partner and collaborate with the leaders of marketing, sales, operations, servicing and capital markets functions and other shared services (i.e. Legal, Compliance, HR, Technology, etc.), in order to ensure a strong culture of risk management.

• Direct the development and implementation of operational risk management policies and procedures for all areas of the business, including marketing, loan origination operations, sales, and servicing.
• Maintain a comprehensive understanding of existing and emerging personal lending and mortgage lending regulatory requirements, operational processes, inherent risks, and internal policies & practices to provide advice to stakeholders.
• Partner with appropriate stakeholders to help drive planning and oversight of regulatory change management, in collaboration with Compliance.
• Drive state expansion efforts through collaboration with key stakeholders, including the state licensing team. Ensure our operations in all states meet regulatory requirements, including loan product features, consumer websites, marketing materials, sales scripts, underwriting criteria, closing activities and servicing.
• Oversee and manage timely reporting of state mortgage call reports, quarterly and annual data to state regulators, licensing renewals and annual HMDA reporting.
• Own business responses to federal and state exams and internal and external audits. Coordinate with Compliance, Legal and other stakeholders to ensure adequacy and promptness of responses.
• Operate skillfully with reporting software, including Tableau, our Loan Origination System, and a variety of third-party software systems. Work with our reporting and analytics teams to ensure compliant, comprehensive reporting on key ORM metrics and adherence to SLAs.
• Oversee key third-party vendor relationships through monitoring the risk exposure of the business in relation to software and services used for operational processing, quality control, and risk management.
• Communicate and collaborate frequently with a variety of colleagues and stakeholders across compliance, capital markets, legal, reporting, operations, and executive management.
• Anticipate business needs and proactively identify opportunities to improve and strengthen the risk control environment through actionable insights.
• Manage a small team through oversight, training, coaching, mentoring, conducting performance reviews, etc.
• Chair First Line of Defense monthly risk forum to keep senior leaders informed on the state of compliance across the lending businesses.

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