Objective
Onsite / Hybrid Position in San Marcos, CA
Hatch Bank is a technology-first sponsor bank, primarily focused on serving Fintechs and other innovative Brands to bring creative solutions to market.
We are looking for a leader for our Enterprise Risk and Compliance Team as we expand our Third-Party Relationships and the diversity of programs offered.
The ideal candidate will be a creative problem-solver, solution-driven, to devise a risk management framework that supports innovation while mitigating risks to the bank and our strategic partners.
Hatch Bank is an Affirmative Action Contractor and is an Equal Opportunity Employer.
Minority / Female / Disabled / Veteran
Responsibilities / Duties
Establish and maintain the bank’s Enterprise Risk Management (ERM) Framework ensuring that the right risks are identified and are being managed, the assessments of the likelihood and consequences of each identified risk are current and realistic, and plans for managing each identified risk, including decisions to bear any risks unmitigated, are appropriate and effectively implemented.
This includes making decisions and taking action for incident resolution.
Report to the board and the executive team on various issues, including insurance, IT security, financial audits, internal audits, global business variables, fraud prevention, and other internal corporate matters.
Design and share strategic risk management priorities in the company’s overall strategic plan.
Plan and execute information assurance strategies to protect against and manage risks associated with the use, storage and transmission of data and information.
Implement operational risk management and mitigation processes to prevent losses caused by insufficient or failed procedures, systems, or policies.
Mitigate the company’s primary threats by developing risk maps and strategic action plans to reduce known business risks.
Respond promptly with actions to resolve incidents and reduce risk when issues arise from, for example, identity theft, network breaches or account takeovers.
Understand the business from end-to-end, front to back, with the ability to evaluate potential risk caused by fraudulent activity.
Produce and distribute risk analyses and progress reports to company executives, board members and employees.
Identify and quantify the amount of risk that the company should be taking this is known as risk appetite and should be in line with approved business plan.
Prepare budget and oversee risk management and mitigation projects.
Keep stakeholders and board members informed about the business’s risk profile and assessments.
Review, maintain, and upgrade the risk and compliance processes, including the Compliance Management Framework (CMS), with regard to all vendors inclusive of third-party partners / Fintechs.
Enhance (through education, mentorship, staffing and / or technology) the skillsets and knowledge of the risk and compliance team.
Establish the Bank’s stress testing framework that covers the major risks (Credit, Operational and Liquidity Risks).
Review and ensure completion of periodic Credit Portfolio analysis to ensure that the Bank’s risk appetite with regard to the Credit risk management processes is maintained and achieved.
Help build best practices that enforce a proactive approach towards credit review, monitoring, reporting, and control in order to maintain the asset portfolio within acceptable quality parameters.
Develop, maintain, and update the bank’s internal capital adequacy assessment in line with the bank’s Strategic Plans, Capital requirements and risk management practices.
Ensure the necessary policies, procedures and controls are in place with regard to complying with applicable laws, regulations and international standards and best practices applicable to the Banking Industry.
Ensure the bank is in compliance with various internal policies and procedures, external regulations, and relevant laws at state and federal levels.
Essential Functions
While performing the essential functions of this position, the employee is regularly required to operate a computer terminal with repetitive motion.
Physical requirements of this position are considered sedentary work involving preparing documentation, preparing, and analyzing data and figures, viewing a computer terminal, extensive reading, and resolving inquiries.
Some amount of mobility to access files, attend meetings, both on and off site, and perform property inspections is necessary.
The employee is expected to converse with internal and external customers and exchange information.
Knowledge - Skills & Abilities
BS in Business, Finance, Economics, or equivalent professional experience required Master’s Degree is preferred.
Minimum of 10 years’ experience in Banking, RegTech, or Fintech, with a minimum of 5 years’ relevant experience in Risk Management at a Senior Manager level in a commercial and retail bank environment, including management experience.
Credit experience required to create, analyze, and critique portfolio and borrower credit reviews.
Skills in quantitative and analytical calculations to develop models.
An understanding of systems, networks, IT infrastructure, and cyber threats related to digital and corporate technology.
Financial aptitude to evaluate and critique various financial reports (inclusive of call reports, income, balance sheet, and cash flow statements) in order to determine financial risk.
Strong compliance aptitude with a sound understanding of evolving regulatory framework. CAMS or CRCM certifications preferred.
Experience interfacing with examiners and auditors.
Excellent oral communication skills for conveying complex concepts to audiences of varying degrees of expertise and advocating for efforts to reduce the organization’s risk exposure.
Strong ability to collaborate with, influence, and educate employees and fellow executives about enterprise risk-related matters.
Knowledge and effective application of banking policies, processes, and practices.
A high level of ownership and commitment to achieving results and being solution oriented.
Excellent written communication and report writing skills.
Organizational and planning skills to oversee the internal and external risk function.
Pay Range : $165,000.00 to $225,000.00 per year. Pay range may vary based on skills, experience, and location.
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