Consumer Banking Governance Manager (RCSA & Risk Metrics)

Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people’s success today and tomorrow.

While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries.

Equally important, they bring commitment investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long-term objectives.

At Texas Capital, we do more than build business success. We build long-lasting relationships.

Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO).

Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to ’ Dallas-Fort Worth metroplex Top Workplaces 2023 and GoBankingRate’s 2023 list of Best Regional Banks.

For more information about joining our team, please visit us at .

Risk and Control Self Assessments (RCSA) are completed by the First Line of Defense (1LOD) by mapping core business processes and using them to identify significant risks.

The level of inherent risks is evaluated, and associated controls are identified, assessed, and tested to determine whether the risks are appropriately managed.

The RCSA process involves facilitated workshops as needed. The facilitator must be able to keep the discussion and analysis appropriately focused on risk identification and guide the participants in assessing the identified risks.

Control testing is then regularly conducted to evaluate the effectiveness of current controls to mitigate identified, new, and evolving risks.

Issues identified during the testing process are then documented and a resolution plan is developed and tracked to ensure the issue is corrected.

Responsibilities

Conduct and maintain operational RCSA processes for the Consumer Banking and Retail business lines.

Provide ongoing support for the risk assessment methodology.

Provide guidance to team members and line of business stakeholders on RCSA practices.

Remain knowledgeable about the various risk domains in the functional areas across the Consumer Banking and Retail business lines, including areas of cross organizational risk.

Support Consumer Banking and Retail business lines in assessing risks and adequacy of controls.

Gather, analyze, and interpret risk management data at a macro level.

Design and conduct control testing, and manage issues identified during the 1LOD testing process.

Participate in the preparation and delivery of presentations to various levels of management in written and verbal formats.

Maintain alignment with the Business Control Offices and 2LOD teams on RCSA processes, control testing methodology, reporting, and other areas as required.

Develop and maintain risk metrics and manage reporting requirements.

Other duties as assigned..

Qualifications

BA or BS degree plus 7 years in first or second line Consumer risk management or related role preferred.

Strong understanding of various risk assessment methodologies and demonstrable experience applying them.

Demonstrated experience in meeting / workshop facilitation

Ability to analyze risk trends at a macro level, identifying signs of changing risk levels and / or symptoms of process control breakdowns.

Must be comfortable in providing leadership and guidance on risk management to senior level managers.

Solid understanding of banking processes and Consumer products and risks.

Proficiency in PowerPoint, Word, and Excel

Strong time management skills with the ability to work independently

Strong written and verbal communication skills

Proven ability to proactively solve problems and develop strategic recommendations at a financial institution (or similar)

Experience participating in large-scale change efforts and / or large and complex initiatives.

Ability to perform effectively in an ever-evolving environment and successfully address multiple, high-priority matters.

Experience with Control, Legal, Audit and Regulatory requirements.

Exceptional organization and facilitation skills.

Strong attention to detail and ability to understand risks and integration / interdependency of risks.

Ability to collaborate with key stakeholders to achieve common ground and resolve obstacles to success.

Desired Skills :

Business knowledge - ability to understand the business and knowledge of regulation surrounding the business.

Work autonomously to affect change - flexible, adaptable to shifting priorities; manage competing priorities to achieve the most effective result and able to work in a fast-paced, results driven environment.

Decision Making / Judgement - moderate level of independent decision-making using sound judgement.

Communication / presentation - excellent written and verbal communication skills with an ability to influence business leaders in a meaningful and actionable manner.

Problem solving / Analytical skills - solid critical thinking, attention to detail and analytical skills; able to synthesize large amounts of data and formulate appropriate conclusions

Understanding root cause / identifying control breaks

Developing timely and sustainable solutions

Analyze metrics for emerging risk

Implementation skills

Writing Action Plans, Procedures

Change Management

Networking - strong interpersonal skills; strong collaboration and relationship building skills.