Risk Director, Personal Wealth (Cash and Savings)
Core
Provide independent risk oversight, credible challenge, and strategic advisory support for Vanguard's cash management ecosystem, including deposits, debit cards, and money movement services.
Role type
Senior IC risk director (payments and cash management)
Builds
Cash management products, debit card capabilities, and money movement services
Domain
Financial services, wealth management, payments, and banking
Deliverable
production ML models | product features | dashboards & analysis | research | client delivery | infrastructure | physical/clinical work
Required skills
operational risk frameworks, control design and testing, payments ecosystem knowledge, regulatory compliance (Reg E, AML/KYC, PCI-DSS), fraud and scam mitigation, team leadership, strategic risk advisory
Preferred skills
NACHA certification, graduate degree (JD, MBA, MS in Risk/Finance), experience with real-time payments and digital payment models
Technologies
payment processing systems, transaction monitoring tools, fraud detection platforms
Responsibilities
Hire, evaluate, and supervise a team of risk practitioners; partner with stakeholders to establish risk and control management standards; provide independent oversight of Line 1 risk activities; perform independent risk assessments for high-impact risks; monitor adherence to enterprise risk governance policies; produce independent risk reporting for leadership; lead risk analysis and methodology application; develop knowledge of industry and regulatory changes; embed division-specific acumen into risk management; participate in special projects.
Seniority
Senior, hands-on IC with team leadership