Commercial Card Segment Risk Manager Sr
Core
First-line risk leader responsible for governance, oversight, and risk management of the Commercial Card and Payables portfolio, including virtual cards, purchasing cards, travel and entertainment cards, and integrated payables solutions.
Role type
Senior IC Commercial Card Segment Risk Manager
Builds
Scalable risk frameworks and control frameworks supporting sustainable portfolio growth for commercial card and payables products.
Domain
Banking / Commercial Payments / Credit Risk / Operational Risk
Deliverable
production ML models | product features | dashboards & analysis | research | client delivery | infrastructure | physical/clinical work
Required skills
Commercial card product expertise, payables solutions knowledge, virtual card management, credit risk assessment, fraud risk mitigation, AML/BSA compliance, regulatory exam participation, internal audit collaboration, issue remediation, stakeholder presentation, risk appetite metric definition, control framework design, client onboarding diligence, partnership risk evaluation, industry trend analysis, card network rule adherence.
Preferred skills
10+ years in commercial payments/treasury management, deep knowledge of payables automation, first-line risk management frameworks, third-party risk management, professional certifications (CRISC, CRCM, CISA, CAMS, CERP, PMP).
Technologies
None explicitly stated beyond general payment processing systems.
Responsibilities
Provide end-to-end risk oversight for the Commercial Card and Payables portfolio; Establish and maintain portfolio-level risk assessments, risk inventories, risk appetite metrics, and control frameworks; Evaluate new products, product enhancements, strategic initiatives, and partnerships to identify potential operational, compliance, fraud, reputational, and financial risks; Support complex client onboarding, diligence, and risk assessments for commercial card and payables clients; Partner with Relationship Managers, Treasury Management Advisors, and Commercial Banking teams to provide risk guidance for prospective and existing clients; Design, implement, and enhance risk management processes, policies, standards, and procedures; Present risk assessments and recommendations to senior leadership, governance committees, and executive stakeholders; Stay abreast of industry trends, regulatory changes, card network requirements, credit policy updates, fraud trends, emerging payment risks, and operational developments relevant to Commercial Card.
Seniority
Senior, hands-on IC