Control Testing /Reporting Lead 1LOD
City National Bank job in Phoenix, AZ
WHAT IS THE OPPORTUNITY? The 1LOD Control Testing/Reporting Lead is a key strategic and integral role for the overall success of the bank. This role is responsible for (i) with the guidance of Manager Control Testing/Reporting, responsible for building sustainable processes with appropriate risk mitigation activities; (ii) consulting risk owners on how to design and implement controls to mitigate the risks in a process; (iii) leading the analysts to perform control testing that evaluate the design and operating effectiveness of CNB's first line key controls; (iv)analyzing, aggregating, and articulating the results/issues/recommendations related to control testing activities; and (v) maintaining a thorough understanding of CNB's Internal Controls Management Policy, control testing methodologies, and related regulatory and compliance standards. This dynamic position provides opportunities for working across CNB, including across the business, 2LOD and internal audit.
WHAT WILL YOU DO?
* With the guidance of Manager Control Testing/Reporting, responsible for building sustainable processes with appropriate risk mitigation activities
* Consulting risk owners on how to design and implement controls to mitigate the risks in a process
* Responsible for planning, executing, and reviewing Control Assessments (i.e. Testing) that evaluate the design and operating effectiveness of CNB's first line Key Controls
* Maintain a thorough understanding of CNB's Internal Controls Management Policy and Standards, control testing methodologies, and related regulatory and compliance standards, including but not limited to enterprise risk management, data governance, third party risk management, model risk management, business continuity, fraud risk management, and associated regulations, guidance, and regulatory expectations
* Develop robust and scalable testing modules, scripts, and other guides including testing approach for evaluating the effectiveness of CNB's first line Key Controls to mitigate key risk exposures related to regulatory requirements and CNB risk policies and standards
* Exhibit high attention to detail in documentation of control evaluation work papers and remediation of reviewer's commentary
* Exhibit high attention to detail and strategic thinking in analyzing, aggregating, and articulating the results/issues of control testing activities and value-add opportunities for improvement of Key Controls to CNB Senior Management and other stakeholders
* Contribute to the articulation of results/conclusions/memos of control testing activities and communicate to key stakeholders across CNB
* Support development, implementation, and continuous improvement of tools, templates, and best practices that support control testing and reporting activities
* Assist with the validation and closure of control issues as identified through testing
* Maintain solid working relationships with 1LOD, 2LOD and internal audit
* Supports a high-performance environment by fostering an inclusive work environment, helping/elevating peers, and taking ownership of individual developmental goals
* Acts as brand ambassador of the CoE by developing solid working relationships across the organization as to facilitate communication and strategic partnerships
* Contribute to ad-hoc assignments and special projects
WHAT DO YOU NEED TO SUCCEED?
*Required Qualifications**
* Bachelor's Degree or equivalent
* Minimum 5 years of experience in controls testing, internal audit, quality control roles, or other complimentary capacities, preferably within the financial services industry, a public accounting firm, or with a financial institutions regulator
* Minimum 3 years of experience in the financial services industry
*Additional Qualifications*
* Preferred Certifications: CPA - Certified Public Accountant, CIA - Certified Internal Auditor, CISA - Certified Information Systems Auditor, and CISSP - Certified Information Systems Security Professional
* Knowledge of FINRA, SEC, MSRB, FRBNY and OCC rules and regulations
* Experience with operating in a highly matrixed environment
* Excellent communication and presentations skills
* Demonstrated experience supporting risk projects across multiple business lines offering a wide variety of financial services products and services
* Excellent analytical and complex problem-solving skills
* Knowledge of the financial services sector, particularly with the competitive dynamics and products in banking and risk management
* Strong time management skills
*WHAT'S IN IT FOR YOU?*
*Compensation*Starting base salary: $77,000 - $143,000 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.
*Benefits and Perks*
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:
* Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
* Generous 401(k) company matching contribution
* Career Development through Tuition Reimbursement and other internal upskilling and training resources
* Valued Time Away benefits including vacation, sick and volunteer time
* Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
* Career Mobility support from a dedicated recruitment team
* Colleague Resource Groups to support networking and community engagement
Get a more detailed look at our *********************************
ABOUT US
Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at **********************************
*INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT*
City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law.
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
*Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
AI Risk Governance Lead
City National Bank job in Phoenix, AZ
WHAT IS THE OPPORTUNITY? In support of CNB's strategic goal of becoming an Artificial Intelligence (AI) enabled bank, this role provides AI risk governance expertise that enables efficient and effective execution of AI risk strategy and initiatives while maintaining RBC's desired risk profile through robust risk oversight. This role also supports the design and implementation of CNB's AI risk governance framework aligned with related frameworks and policies and oversights the portfolio of internal policies and external regulations in relation to AI.
WHAT WILL YOU DO?
* Support adoption / adaptation of RBC's AI risk management framework and governance processes across the first and second line at City National Bank aligned with related frameworks and policies.
* In collaboration with Enterprise, develop, implement, and monitor effectiveness of the Group Risk Management (GRM) AI initiative strategy to deliver efficiencies in GRM operational processes. Identify and support implementation of relevant use cases for GRM.
* Works with various regulatory support functions for continuous monitoring and exam management, business unit/corporate and enterprise-wide business support groups to manage with cross-functional level issues associated with risk measurement.
* Work closely with enterprise stakeholders to ensure full adherence to responsible AI principles across the organization and establish and maintain ethical standards for our growing AI capabilities including assessment of GRM use cases inclusive of RBC existing capabilities.
* Aid in development and enhancement of CNB AI governance, policies and procedures including second line oversight of AI strategy.
* Act as a trusted advisor and an effective challenger to business leaders on AI strategy, initiatives and risks.
* Define clear ownership, roles, responsibilities, and accountability across business lines/functions in relation to AI.
* Drives day-to-day Core Team activities to meet project milestones and keep functions on track.
* Develops effective communication and training materials.
* Provide thought leadership in developing and executing processes with strategic importance and high visibility with CNB leadership.
* Regularly prepares status reports, performance metrics, presentations and guidance in accordance with the GRM program and financial industry regulations, ad-hoc and as requested by management.
* Assess AI-related risks, provide oversight and challenge, and monitor compliance with internal policies and external regulations while establishing the guidelines for the implementation of 2nd line of defense on AI requirements (e.g. Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Code of Conduct, etc.).
* Successfully completes all required training and special projects as requested.
WHAT DO YOU NEED TO SUCCEED?
*Required Qualifications**
* Bachelor's Degree or equivalent
* 15+ years of progressive experience managing cross function initiatives to drive policy, regulatory, and business change in complex organizations.
* A strong understanding of AI concepts, technologies, and associated risks. Practical experience with AI model development or deployment would be a significant advantage.
* Extensive knowledge of data management including front-to-back data flows and processing, usage, and reporting.
* Extensive experience in developing Data Management/Governance solution for major financial institution.
* Expert collaboration and relationship management skills with the ability to manage ambiguity to drive impactful outcomes.
* Expert oral communication and presentation skills with extensive experience facilitating discussion and building consensus.
* A genuine interest or passion for AI Models, AI Technologies.
* Demonstrated ability to lead and manage teams effectively.
* Experience in interpreting and applying relevant regulations and industry best practices.
*Additional Qualifications*
* Prior experience with developing or enhancing AI/GenAI and/or technology/operational risk programs, and executing on regulatory remediation projects at banks or other financial institutions desired
* Quantitative analysis (preferably in Model governance) and data management experience required.
* Must possess demonstrated ability to think critically and facilitate change through collaborative effort.
* Strong interpersonal, verbal and written communication skills.
* Extensive knowledge and experience with various reporting, analysis, and presentation tools including MS Excel, PowerPoint.
* Proven ability to communicate and collaborate with cross-functional and senior stakeholders, influence decision-making at the higher levels of the organization and navigate a matrixed environment.
* Familiarity with evolving global AI regulatory landscapes.
* Understanding of AI technical concepts and data management.
* Advanced Master's degree or MBA will be a plus.
*WHAT'S IN IT FOR YOU?*
*Compensation*Starting base salary: $114,863 - $213,313 per year. Exact compensation may vary based on skills, experience, and location.
*Benefits and Perks*
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:
* Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
* Generous 401(k) company matching contribution
* Career Development through Tuition Reimbursement and other internal upskilling and training resources
* Valued Time Away benefits including vacation, sick and volunteer time
* Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
* Career Mobility support from a dedicated recruitment team
* Colleague Resource Groups to support networking and community engagement
Get a more detailed look at our *********************************
ABOUT US
Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at **********************************
*INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT*
City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law.
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
*Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
10073828-WD-Red Team Operator, Assistant Vice President
Tempe, AZ job
Being part of the red team provides you with the opportunity to work on the cutting edge of cybersecurity and help drive the improvement of detection capabilities as well as strengthening of defenses to improve our overall security posture. The role also offers you with the opportunity to lead and mentor junior team members and provide guidance on complex projects.
Major Responsibilities
Developing guidelines for the usage, control, maintenance and audit-readiness of information and computer resources that are used in the distributed processing environment.
Analyzing and addressing customer security requirements for all business applications existing on a distributed platform.
Assisting in the evaluation, selection, and installation of security software products for distributed platforms.
Identifying distributed systems security issues as they arise and coordinating with the security architect to ensure that issues are addressed and resolved in a timely basis.
Conduct tactical assessments that require expertise in social engineering, application security (web and mobile), physical methods, lateral movement, threat analysis, internal and external network architecture and a wide array of products
Document and formally report testing initiatives, along with remediation recommendations and validation
Maintain tools and scripts used in penetration-testing and red team processes
Conduct research into real-world threat actor tactics, techniques, and procedures (TTPs) and apply that knowledge to Red Team Exercises
Assess new technologies, software applications, and devices for potential avenues of exploitation
Develop exploits based on identified vulnerabilities
Develop scripts, tools, or methodologies to enhance Red Team processes
Work with teammates to consistently learn and share advanced skills and foster team excellence
Qualification
Bachelor's Degree in Computer Science or related fields; applicable specialized training; or equivalent work experience - equally preferable
Certified Information Systems Security Professional (CISSP), Global Information Assurance Certification (GIAC), Certified Information Systems Auditor (CISA), Certified in Risk and Information Systems Control (CRISC), Certified Information Security Manager (CISM), OSCP, OSCE, GWAPT, or other security certifications desired
Understanding of one or more compliance frameworks: NIST, FFIEC, GLBA, SOX, PCI, etc.
5-7 year of experience conducting penetration-testing/red team engagements
Experience in planning and executing advanced attacks that evade network and endpoint security controls to demonstrate the potential adverse impact caused by a threat actor
Experience with implementing red team assessment methods, tools, and techniques
Experience identifying and exploiting common web-application vulnerabilities, such as: SQL Injection, DOM Manipulation, Authorization System Bypass, Design Logic issues, bounds checking, role & access validation, and filter evasion.
Experience handcrafting/dissecting HTTP conversations
Experience in developing, extending, or modifying exploits and offensive security tools (shellcode, implants, reflective loaders, etc.), as well as operational experience exploitation, lateral movement, and persistence on Windows and Linux systems, bypassing preventative and detective endpoint and network security controls, C2 frameworks (Cobalt Strike and Metasploit), using common offensive security tools (nmap, CrackMapExec, Impacket, Responder, etc.)
The typical base pay range for this role is between $110K - $135K depending on job-related knowledge, skills, experience and location. This role may also be eligible for certain discretionary performance-based bonus and/or incentive compensation. Additionally, our Total Rewards program provides colleagues with a competitive benefits package (in accordance with the eligibility requirements and respective terms of each) that includes comprehensive health and wellness benefits, retirement plans, educational assistance and training programs, income replacement for qualified employees with disabilities, paid maternity and parental bonding leave, and paid vacation, sick days, and holidays. For more information on our Total Rewards package, please click the link below.
MUFG Benefits Summary
10070076- Data Loss Prevention Senior Engineer, Vice President
Tempe, AZ job
Senior Security Engineer will ultimately be responsible for the design, innovation, operation, architecture, and thought leadership for the firm's user data loss prevention and data classification systems. This position will collaborate with the rest of the engineers and act as the senior authority on all aspects of the firm's DLP systems. The expectation is that this person will have an advanced understanding of the DLP, data classification, and process automation, but will also have understanding of data security strategy, capability, and use cases. This role is for a SME not just with great technical acumen, but also with great vision of where to take our program.
Major Responsibilities
Define, lead, and execute Data Loss Prevention strategy and processes.
Analyze, design, develop, and operate programs, shell scripts, tests, and infrastructure automation capabilities necessary for daily operations and custom processes.
Management of the technology and processes including monitoring, investigation, reporting, and rule maintenance.
Coordinate with internal Data Loss Prevention (DLP) and Insider Threat teams to develop and integrate events with the UEBA and SOAR technology.
Support security operations and other security partners in remediation or mitigation of security vulnerabilities and assist associated technical teams.
Advise Insider Threat responders as they develop and coordinate response, containment, and remediation capabilities as appropriate.
Provide guidance and training on the technology to additional team members. Be a willing and approachable teacher.
Assist in review of Information Security policies and Program documents and provide updates for continued program maturity and evolution.
Qualifications
8+ years' overall technical experience in either reverse engineering/malware analysis, threat intelligence, incident response, security operations, or related information security field
8+ years' experience in application design/engineering, including but not limited to programming/scripting, Windows/Linux system administration, relational database management system (RDBMS)/NoSQL database administration, etc.
B.S. Computer Science or equivalent experience
Subject matter expert in all facets of data loss prevention (DLP) technology
Subject matter expert in all facets of the Symantec suite of DLP products (legacy Vontu) and Zscaler DLP
Masterful understanding of DLP capabilities, strategies, and principles
The typical base pay range for this role is between $137K - $176K depending on job-related knowledge, skills, experience and location. This role may also be eligible for certain discretionary performance-based bonus and/or incentive compensation. Additionally, our Total Rewards program provides colleagues with a competitive benefits package (in accordance with the eligibility requirements and respective terms of each) that includes comprehensive health and wellness benefits, retirement plans, educational assistance and training programs, income replacement for qualified employees with disabilities, paid maternity and parental bonding leave, and paid vacation, sick days, and holidays. For more information on our Total Rewards package,
please click the link below.
MUFG Benefits Summary
Document Administrator II
Phoenix, AZ job
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
:
This job is responsible for preparing and reviewing documentation in accordance with bank policies and procedures to facilitate closings with the client. Key responsibilities include working on routine to more complex documentation as assigned by the Market Leader or designee and interfacing working with company vendors, legal counsel, line partners, and clients to ensure world-class documentation accuracy. Job expectations include maintaining accuracy of documentation and system of record financial data, delivering documents in a timely manner, and eliminating controllable rework.
LOB Specific Job Description:
The Document Administrator II for the Fulfillment Team will serve as the Business Banking "Loan Closing Coordinator" from a due diligence and documentation standpoint. The Document Administrator works with various business partners (clients, sales, credit underwriting, legal, and operations) to collect, review, and complete due diligence such as Insurance, UCC, Good Standing, Title, Collateral, etc. to ensure the loan documentation package is prepared correctly and ready to close on time for the client. Key responsibilities include documenting new facilities, amending existing facilities, and managing the closing process/due diligence requirements of commercial credit policy once engaged to Fulfillment. Effective communication and collaboration in the office with business partners, peers, and third-party vendors is essential to foster a cohesive environment.
Responsibilities:
* Ensures that loan documentation and lien perfection meet bank policies and procedures and that work products are delivered in an accurately and timely manner
* Reviews documentation, performs due diligence and collateral perfection, and monitors loan documentation for a specific market segment
* Reviews documents for accuracy, timely delivery, and necessary research requirements to ensure documentation reflects the appropriate transactional information and elimination of controllable rework
* Reviews the loan approval and loan documents prepared by counsel to ensure consistency and adherence to requirements
* Designs a robust filing and organizational process to assist in completing primary financial booking and initial loan funding
* Works closely with Client Managers, Credit and Portfolio Officers, Agency Management, internal and external legal counsel, and many internal operational support units to ensure seamless execution of transactions
Required Qualifications:
* Prior experience in preparing or reviewing legal loan documentation
* Demonstrated history of employing excellent communication skills both written and verbal and acts with urgency
* Demonstrated ability to professionally handle multiple tasks while balancing the need for both quality and efficiency in a fast-paced metric-centric environment is a necessity
* Strong working knowledge of Microsoft Office (Word, Excel, PowerPoint, Outlook, and OneNote)
* Strong organizational skills with time management, and ability to manage multiple priorities under tight deadlines
* Commitment to excellent internal and external customer service
* Motivated, solution driven and creative thinker
* Adapts and embraces change in technology, changes in policies and procedures
* Demonstrates the ability to lead and fosters teamwork and change
Desired Qualifications:
* College Degree preferred
* Working knowledge of LoanIQ, HotDocs, and Credit Center
* Commercial real estate loan experience
* Paralegal experience is beneficial
* Comprehension of commercial credit operations
* Desire the commitment to take on leadership responsibilities and grow within the role
Skills:
* Attention to Detail
* Customer and Client Focus
* Data Collection and Entry
* Due Diligence
* Prioritization
* Adaptability
* Business Acumen
* Oral Communications
* Written Communications
* Research
Minimum Education Requirement:
* High School Diploma / GED / Secondary School or equivalent
Shift:
1st shift (United States of America)
Hours Per Week:
40
Commercial Treasury Operations - Sweep Operations
Phoenix, AZ job
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
:
This job is responsible for analyzing the day-to-day issues, researching, and providing resolution for various issues identified within a business unit. Key responsibilities include building new procedures, completing complex non-routine analytics, creating reports, and reviewing exception testing and processing. Job expectations include supporting continuous improvement of processes by identifying trends and understanding the operations environment.
LOB Job Description:
The Senior Operations Analyst will be responsible for reviewing and processing all work for the Automated Investment (Sweep) product including the high-risk process of the Mutual Fund Trades, wires, and financial entries. 1099, 1042 reporting and Form W-9 and W-8 validation is heavily emphasized.
The candidate is the first point of contact for inquiries from business partners and clients via email or phone channel.
Responsibilities:
* Responsible for reading, analyzing and/or determining the appropriate handling and resolution of requests.
* Will work with internal and external business partners/clients to provide resolution to inquiries, issues, and/or technical support.
* Candidate will be responsible for processing/verifying account set ups, maintenance for Sweep.
* Assigning incoming work, assisting with audit reviews, regulatory reporting, gathering statistical information and producing monthly reports.
* Conduct simple/complex research and provide timely responses to inquiries by utilizing the various bank systems to support client requests.
* The candidate must actively support a team environment and quickly shift priorities while focusing on the needs of our customers while maintaining an organized approach to managing daily activities and simultaneously handling multiple demands to achieve optimal efficiency and productivity.
* The candidate should be able to work quickly without sacrificing quality and should also demonstrate the ability to build effective relationships with business partners and clients.
* Provides guidance to associates within own unit regarding procedural, technical and/or operational changes.
* Incumbents should have a full working knowledge of operations acquired through experience in an operations environment and on the job training. Individuals typically have 2 to 4 years of experience.
Required Qualifications:
* Individuals typically have 2 to 4 years of experience in banking and/or treasury management services
* Prior Mainframe experience
* Intermediate proficiency in written (including grammar and spelling) and verbal communications.
* Working knowledge of tax forms
* Working knowledge of 1099's / 1042's
* Ability to analyze and resolve customer inquiries.
* Previous positions must have included solid customer contact
* PC proficiency - experience with all Microsoft Office applications, particularly Excel
* Manages multiple priorities with attention to detail
* Strong business partnering and relationship management skills
* Self-motivated; able to work unsupervised
* Strong time management and task prioritization skills with the ability to manage their own time and tasks
* Able to ask critical questions to identify opportunities
* Manages risk effectively
Desired Qualifications:
* GFS, OBA and AVAYA experience
* Experienced in writing and modifying procedures.
Shift:
1st shift (United States of America)
Hours Per Week:
40
Mortgage Loan Underwriter Senior
City National Bank job in Phoenix, AZ
WHAT IS THE OPPORTUNITY? The role of the Underwriter III is to evaluate the credit risk against company standards and to determine the borrower's ability to repay a residential mortgage. The Underwriter III analyzes and interprets the most complex financial and non-financial data decisioning the requests with the goal of achieving the optimal quality asset for the bank while satisfying the needs of borrower. The Underwriter III is also responsible for LLCs along with other complex borrower types. The Underwriter III works within established lending authorities and guidelines, with complex or unusual situations escalated to the next highest authority level for resolution. This includes mentoring and training of Underwriters I and II including second level reviews.
What you will do
* Reviews the loan package received to ensure completeness verifying that all supporting documents are included to make a credit decision per established policies
* Identifies issues and recommends appropriate resolution within policy service level agreements
* Analyzes and determines the financial capacity of the borrower's ability to repay:
* Performs credit analysis, financial statement analysis, cash flow analysis, liquidity qualification and payment calculation spreads
* Reviews for stability of residency and employment
* Verifies income per established policy
* Identifies any exceptions to current policies
* Documents a reasonable conclusion mitigating any identified risks supporting the request will be repaid
* Accurately sets and clears conditions
* Interacts with RLC and Processor throughout the life cycle of the loan, providing information, updates and assistance as required
* Updates System(s) with pertinent information and appropriate data as required
* Renders a decision within his/her lending authority. If deal is outside of lending authority, provides a recommended decision and submits for appropriate level signing authority
* Originates appropriate client letters; Commitment, Counter Offer, Declination
* Certifies and provides a final Workbook to the Processor
* Ensures compliance with bank and statutory/regulatory guidelines
* Client Satisfaction
* Promotes a team environment fostering a positive working environment
* Functions as a collaborator and innovator to drive continuous improvement
* Provides guidance and support to the RLC and Processor when required
* Utilizes systems and tools to ensure that the RLC's are updated on the status of loans
* Interacts and communicates daily with all levels as required to support business units, Processors, Funding/Doc Prep to ensure requirements are understood and met
* Provides timely, complete and accurate response to inquiries
* Handles all situations in a professional and ethical manner
* Takes the lead in resolving problems for his/her own loans; assisting Underwriters I and II with resolutions
* Supports and contributes to the quality and customer satisfaction goals of the bank
* Productivity
* Ensures all goals and service level agreements (SLAs) are met
* Tracks, logs and provides daily, weekly, monthly, quarterly reporting of production statistics as defined by management
* Consistently meets quality control and data integrity standards
* Effectively utilizes available systems, workflow and imaging tools
* Mentor and train Underwriters I and II
* 2nd level review of Underwriters I and IIs' work
* Performs other duties as assigned by Management, including participation in projects, process improvement initiatives, etc.
*Must-Have**
* Minimum 7 years of experience as an Underwriter in a financial services or mortgage banking environment required.
* Minimum 7 years of experience in jumbo and super jumbo underwriting to investor or organization's guidelines required
* Minimum 7 years of experience with state and federal lending regulations (i.e., Ability to Repay (ATR), RESPA, Reg B, Reg O, Reg Z, Fair Lending, etc.).
*Skills and Knowledge*
* Bachelor's degree in Business, Finance or Economics or related discipline with 10 or more years of experience in a mortgage banking environment required
* Familiar with FNMA/FHLMC guidelines
* Computer literate with experience using Microsoft applications with mortgage industry standard software, preferably InterLink E3 or NetOxygen/Gallagher.
* Superior ability to communicate effectively in both verbal and written form
* Strong time management skills to plan and organize a high daily loan volume
* Strong ability to be very detail oriented
* Must be a team player and work constructively with their fellow colleagues
* Specific knowledge and exposure to funding and loan documentation to resolve more complex situations such as occur with LLC's, irrevocable trusts, and Co-operatives
*Compensation*
Starting base salary: $41.83 - $66.81 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.
**To be considered for this position you must meet at least these basic qualifications*
The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
*Benefits and Perks*
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our ****************************************************************************************************
ABOUT CITY NATIONAL
City National Bank, a subsidiary of Royal Bank of Canada, is the largest bank headquartered in Los Angeles with $92.03 billion in assets as of April 30, 2024. Founded in 1954, City National provides personalized banking, investment and trust services in select markets including Los Angeles, Orange County, San Diego, the San Francisco Bay Area, New York City, Nashville, Atlanta, Delaware, Las Vegas, Washington D.C. and Miami.* In addition, the company and its investment affiliates manage or administer $96.83 billion in client investment assets. City National is dedicated to strengthening communities, and in 2023 alone, the company made more than $11 million in charitable contributions to nonprofits that support the communities it serves.
*City National Bank does business in Miami and the state of Florida as CN Bank.
For more information about City National, visit *********************
*EQUAL OPPORTUNITY EMPLOYER & REASONABLE ACCOMMODATION*
City National Bank is an equal opportunity employer committed to promoting and maintaining a diverse, equitable and inclusive working environment where differences are valued and encouraged. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by the laws or regulations in the locations where we operate or in our Code of Conduct. **************************************************************************************************
If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for any part of the employment process. Please contact us via mailto:*************************) or leave a message at *************. These contact methods are dedicated to applicants whose disability prevents them from successfully applying online. Only messages left for this purpose will be returned. Responses may take up to two business days.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
Credit Solutions Advisor - Superstition Springs
Mesa, AZ job
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
Job Description:
This job is responsible for originating loans for clients with residential mortgage needs and is the primary lending specialist working full time within the financial center. Key responsibilities include delivering First Mortgage and HELOC lending products in person or by telephone and providing products such as Auto Loans, Credit Cards and Core Banking products. Job expectations include effectively balancing sales performance, operational risk, and client relationship care.
This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since this position requires SAFE Act registration, employees are required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination.
Responsibilities:• Provides specialized and personalized service offering advice and guidance to financial center clients through the full spectrum of borrowing and banking offerings at each stage of client's life plan
* Builds and deepens relationships with new and existing clients by leveraging the full capabilities of the bank
* Analyzes the client's financial needs and applies knowledge of borrowing and banking to recommend financial services that best align with the client's unique priorities
* Presents potential home lending product solutions, submits the mortgage application, assists clients with gathering supporting loan documentation, and keeps clients informed throughout the mortgage loan process through outbound calls, email, and online messaging
* Connects with clients through outreach and pipeline management activities and conducts consistent follow-up routines to meet client needs
* Responds to client requests and makes referrals to appropriate internal partners based on client needs
* Partners with financial center leaders, performance managers, and market leaders to provide specialized guidance and coaching to financial center associates regarding delivery of an exceptional client experience
Required Qualifications:
* Minimum of 2 years of mortgage origination experience. In lieu of this requirement, has previously held the role of:
* Home Service Specialist II, Lending Client Associate, Lending Client Support Manager, Lending Specialist, Senior Banker, Business Solutions Advisor or Financial Solutions Advisor at Bank of America for 1 year
* Knowledge of credit and home lending requirements
* Actively listens to the client to determine their needs and goals and has a desire to interact with clients proactively.
* Communicates professionally, effectively, and confidently and is comfortable engaging all clients in person and over the phone.
* Is a critical thinker and can analyze financial and credit data to advise clients of product/pricing policies and guidelines and gather any additional required information.
* Has effective customer service skills with ability to manage the full client end-to-end experience and problem resolution.
* Strong written and verbal communications skills.
* Ability to handle ambiguity and adapt to changing circumstances.
* Dedicated, enthusiastic, driven and performance-oriented; possesses a strong work ethic.
* Can be flexible to work weekends and/or extended hours as needed.
* A true team player and collaborator, translating knowledge and experience into strong and productive relationships internally and externally.
* Ability to learn and understand technology.
* Demonstrates a commitment to professional ethics and is thorough and thoughtful in incorporating relevant regulatory due diligence as well as complying with all Federal and State compliance policies.
Desired Qualifications:
* Experience working in a financial center where goals were met or exceeded.
* Knowledge in analyzing and comprehending complex financial data and providing financial alternatives.
* Knowledge of banking products and services.
* Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously.
* Experience in a loan origination role in a retail environment and knowledge of
* Mortgage Products (Conventional, Jumbo and HELOC, Government)
* Structuring, Processing, underwriting and closing procedures
* Federal regulations governing real estate lending
* FHA and HUD guidelines
* Other Lending Products (Credit Card, Vehicle Loans)
* Strong computer skills including MS applications and previous experience utilizing laptop technology.
Skills:
* Client Management
* Client Solutions Advisory
* Customer and Client Focus
* Referral Identification
* Risk Management
* Client Experience Branding
* Credit Documentation Requirements
* Credit and Risk Assessment
* Pipeline Management
* Referral Management
* Attention to Detail
* Collaboration
* Issue Management
* Prospecting
* Relationship Building
The following laws or regulations restrict or prohibit the hiring of individuals with certain specified criminal history for the position Credit Solutions Advisor II: FDIC, Safe Act/Loan Originators
Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent
Shift:
1st shift (United States of America)
Hours Per Week:
40
Financial Crimes Analyst II
City National Bank job in Phoenix, AZ
WHAT IS THE OPPORTUNITY? Under the direction of the BSA Risk Manager, responsible for the periodic BSA internal controls testing function of the of the Bank's BSA risk assessment program. Responsible for monitoring, analyzing, and escalating issues and concerns related to BSA, AML, OFAC and the USA PATRIOT Act components of the Bank's BSA Program while utilizing sound and current compliance industry standards and practices. May assist in the development of new and/or updates policy and procedures related to BSA, AML, OFAC and the USA PATRIOT Act Bank wide. Plays a key role as a liaison with colleagues throughout the organization related to BSA, AML, OFAC and the USA PATRIOT Act. Responsible for building and maintaining relationships with internal and external customers while providing exemplary customer service.
WHAT WILL YOU DO?
* Carries out compliance monitoring, internal controls risk assessments, and internal controls testing program ensuring that there are adequate processes, procedures and internal controls to promote an effective BSA control environment, under the guidance of the BSA Risk Manager. Prioritizes focus toward areas identified as having the highest levels of risk to the company.
* Works directly with business units and support management as a consultant in the development of business unit's risk self-assessment programs.
* Performs scheduled and periodic testing of overall business processes and controls related to the implementation and management of the bank's products and services, including geographic considerations to identify compliance gaps and potential risk exposure.
* Analyzes and evaluates compliance risks and recommends changes to policies, procedures, and processes to reasonably ensure risk-based and appropriate controls are instigated and maintained.
* Assists in the development of new and/or updates policy and procedures related to BSA, AML, OFAC and the USA PATRIOT Act Bank wide. Also, partners with business units for the development of departmental policy and procedures.
* Partners with business units to remediate BSA, AML, OFAC and the USA PATRIOT Act compliance findings identified in risk assessments, internal audits and/or regulatory examinations.
* Performs daily activities of assigned functional area; prioritizing; completing multiple activities; resolves problems as they arise.
* Ensures activities are in compliance with legal/regulatory requirements and CNB policy and procedure.
* Communicates and escalates (as assigned) identified BSA, AML, OFAC and USA PATRIOT Act operational concerns to the appropriate level of management.
* Maintains an up-to-date Master Compliance Audit Follow-up Log for outstanding BSA-related Audit and OCC Examination issues, and the BSA Risk Assessments Open Issues Log.
* Integrates activities with other departments to accomplish common goals.
* Maintains up-to-date knowledge of Bank policies, procedures and industry best practices.
* Participates in and completes bank-wide projects.
* Serves as resource (as needed) to internal and external customers; ensures quality customer service and effective and efficient operational support.
* Applies both technical and general business knowledge to resolve the most complex issues in assigned function.
* Performs other duties as assigned or requested.
* Responsible for performing testing of moderate to complex components of assigned engagements within the Financial Crimes Compliance Monitoring Program and/or Annual Test Plan
* Performs review and challenge of self-assurance activities conducted by the First Line of Defense
* Assesses controls for design and operating effectiveness in accordance with established policies
WHAT DO YOU NEED TO SUCCEED?
*Required Qualifications**
* Bachelor's Degree or equivalent
* Minimum 3 years of experience with BSA regulations concerning KYC, EDD, Financial crime investigations and regulatory reporting.
* Minimum 3 years experience in a BSA specific role at a financial institution
* Current Certified Anti-Money Laundering Specialist (CAMS) Certification
*Additional Qualifications*
* Working knowledge of banking operations, government regulations, accounting principles and account reconcilement.
* Experience using Microsoft Word, Excel and Access required.
* Knowledge and understanding of federal regulations pertaining to the Bank Secrecy Act required.
* BSA Testing or audit experience preferred. Excellent problem solving and analytical skills required.
* Excellent verbal/written and written communication skills required to interact with all levels of Bank personnel and outside contacts.
* Experience with AML Monitoring Systems such as Actimize is preferred.
*WHAT'S IN IT FOR YOU?*
*Compensation*Starting base salary: $55,000-$95,000. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.
*Benefits and Perks*
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:
* Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
* Generous 401(k) company matching contribution
* Career Development through Tuition Reimbursement and other internal upskilling and training resources
* Valued Time Away benefits including vacation, sick and volunteer time
* Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
* Career Mobility support from a dedicated recruitment team
* Colleague Resource Groups to support networking and community engagement
Get a more detailed look at our *********************************
ABOUT US
Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at **********************************
*INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT*
City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law.
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
*Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
Account Management Ops Representative
Chandler, AZ job
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
:
This job is responsible for standard activities supporting the creation, onboarding and maintenance of accounts, according to the established guidelines and procedures. Key responsibilities include providing quality service and effective, efficient operations support for internal business partners and external clients. Job expectations include operating with a standard level of independence, and referring to their team lead or manager for direction and support with more complex issues and escalations.
Responsibilities:
* Performs onboarding and maintenance of accounts and reviewing required account documentation.
* Responds to client inquiries via numerous channels to support operational efficiency and quality client service
* Performs basic research, follow-up and resolution of routine research requests
* Identifies potential issues in daily operational tasks and escalates risk concerns, as appropriate
* Provides general operational support including handling inbound calls, mail sorting, and mail distribution
* Reviews and approves required account documentation
Skills:
* Account Management
* Customer and Client Focus
* Oral Communications
* Research
* Attention to Detail
* Collaboration
* Written Communications
* Prioritization
* Recording/Organizing Information
* Result Orientation
Line of Business Job Description:
Wealth Management Operations (WMO) provides end-to-end operational support that drives the client experience for Wealth Management advisory partners and their clients. Within WMO, the Onboarding and Maintenance Support teams execute manual processes and monitor automated processes to accurately gather and maintain required information that identifies client accounts and features such as legal name(s), address, product type, asset transfers, beneficiaries and other account features such as Power of Attorney.
A successful Account Management Operations Representative on this team:
* Performs completeness and reasonable risk assessment of documentation or client account information and identifies and resolves any discrepancies or gaps, then approves/returns the request for account opening or maintenance according to the established written guidelines and procedures
* Researches and resolves data errors by applying procedures and escalation using a trouble shooting guide and engaging support partners when needed
* Responds to internal business partner via phone and email and escalates more challenging issues to leadership as needed
* Understands the process flow from end to end including the reasons for each step, the process controls, the risks within the process and the upstream/downstream impacts of their work based on an understanding of how the work impacts other operational units
Required Skills:
* Account Management: The ability to provide services and support to clients.
* Customer and Client Focus: The ability to identify, understand and prioritize the needs of internal, external, prospective and existing customers in order to provide solutions, resolve problems, and address questions.
* Collaboration: The ability to work with others to complete a task or achieve a common goal in the most effective and efficient way.
* Research: The ability to gather information about a topic, review, analyze and interpret the results to support a recommendation or solution.
* Attention to Detail: The ability to achieve thoroughness and accuracy when accomplishing a task and process detailed information effectively and consistently.
Skills:
* Account Management
* Customer and Client Focus
* Oral Communications
* Research
* Attention to Detail
* Collaboration
* Written Communications
* Prioritization
* Recording/Organizing Information
* Result Orientation
Shift:
1st shift (United States of America)
Hours Per Week:
40
Community Lending Mortgage Banker
City National Bank job in Phoenix, AZ
WHAT IS THE OPPORTUNITY? This position is responsible for sales of first mortgage and concurrent second loan products to existing and potential banking diverse segment clients. Community Loan Officer duties include outside sales activities to cultivate new business and expand CNB's client relationships through the sale of mortgage loan products and services, uses consultative sales skills in support of sales and business development activities, meets directly with clients in to assess client needs and present multiple mortgage product solutions, and ethically market and promote the bank's mortgage products as require in growing his/her assigned territory. Regularly and customarily travels to prospective client and referral source locations (away from CNB offices) to perform sales, business development, and related activities; following up by telephone or electronic mail as needed. Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act; Must remain in good standing under the Safe Act.
WHAT WILL YOU DO?
* Outside Sales: Originate residential mortgage loans and related bank products and expand network of referral sources. Originations, in large part, are to be sourced through professional relationships (example: realtors, attorneys, CPAs, business managers, nonprofits, trade organizations, financial advisors) that fit within the banks overarching financial and diverse strategy
* Calls on clients or their designated representative's and referral sources at their places of business or other locations away from the office to prospect for and originate mortgage loans
* Provide sound and ethical loan counseling to all potential applicants.
* Act as liaison between Bank and customer during processing and underwriting, as procedures dictate, to ensure timely processing and best in industry customer service
* Complete the loan application and related processes with applicants while keeping with Bank policies, procedures and product guidelines and with applicable laws, regulations and accepted business practices.
* Forward substantially complete application packages to Processing and Underwriting within a system that adheres to TRID requirements
* Develop and/or implement sourcing strategies as required by written goals.
* Meeting or exceeding quantitative and qualitative goals as designed by sales management. Pursuing and fulfilling compensation goals within the spirit in which they were designed and with respect to the CNB brand
* Stay abreast of sales and business development techniques, product offerings, legal and regulatory requirements and industry and real estate trends.
* Acquire and maintain proficiency in the use of the specific software systems utilized by the bank directly and indirectly related to mortgage originations
* Attend regularly scheduled sales meetings, training sessions and Bank functions.
* Perform other duties as requested or assigned by management, such as special projects within the Residential Lending Division
* Foster and maintain active relationships with civic organizations within assigned territories for community service and business development purposes.
* Commitment to work of nonprofit organizations and making a positive impact in the community
* Increase mortgage loan volume, primarily focusing on underserved communities and low to moderate income consumers and geographies or targeted areas
WHAT DO YOU NEED TO SUCCEED?
*Required Qualifications**
* H.S. Diploma
* Minimum 5 years of retail residential mortgage sales experience
* Minimum 3 years of mortgage or financial experience as part of a community lending team
* Minimum of 5 years of experience with diverse and underserved clients
* Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act; Must remain in good standing under the Safe Act.
*Additional Qualifications*
* Highly prefer network of professional and nonprofit referral sources
* Highly prefer a BA/BS degree with preference for business, finance, or economics degree
* Demonstrated superior sales and marketing ability
* Consistent written and verbal communication that is professional, thoughtful, clear and effective across all audiences, both inside and outside the bank
* Preferred experience with Net Oxygen, Salesforce, Blend, and Microsoft Office suite
* Knowledge of mortgage credit policies and current industry compliance standards
* Must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLS.
* Promote the Bank's CRA efforts, fair and responsible banking goals, and the underserved communities
*WHAT'S IN IT FOR YOU?*
*Compensation*
This is a commission-based role and does not have a set salary range.
*Benefits and Perks*
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:
* Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
* Generous 401(k) company matching contribution
* Career Development through Tuition Reimbursement and other internal upskilling and training resources
* Valued Time Away benefits including vacation, sick and volunteer time
* Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
* Career Mobility support from a dedicated recruitment team
* Colleague Resource Groups to support networking and community engagement
Get a more detailed look at our *********************************
ABOUT US
Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at **********************************
*INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT*
City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law.
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
*Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
\#LI-RK
\#CA-RK
Fraud Analytics and Innovation Senior Leader - Emerging Fraud Technology
Chandler, AZ job
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
Job Summary:
This job is responsible for managing a group of team leaders and employees who develop strategies and drive analytics to understand portfolio risk, increase profitability, and optimize operational performance. Key responsibilities include setting strategic priorities for the team, identifying trends, and leading efforts to maximize risk versus return for the business unit. Job expectations include using data and analytics to solve complex problems, coaching and developing employees, and partnering across technology, product, and risk leadership to drive performance.
Artificial intelligence related technology is advancing at an unprecedented rate. That development will lead to radical transformations in how the world functions. Managed properly, economic activity is expected to increase and usher in a new era of prosperity. Unfortunately, those capabilities are also available to malicious actors who could target our customers and Bank of America.
Do you want to help us shape the way these technologies will be used to combat fraud? Are you a strategic and analytical thinker who wants the chance to have a real impact on the business?
We are investing in world-class solutions to protect our clients from fraud and searching for the right analytic leader to help drive that transformation! At Bank of America, our fraud team is on the frontline of managing those risks and preparing for the future. We are tasked with driving the strategy, design, and execution of the next-generation of fraud controls to protect our clients. We are investing heavily in new capabilities and have built a strong team of seasoned fraud leaders and industry experts to lead the programs.
We are looking for a strong, passionate leader to analytically evaluate and tune the next generation of authentication and related fraud. This role will explore AI solutions to create value across the authentication and fraud mitigation space. This is a broad, high visibility role that offers great opportunities to influence "what" and "how" we deploy strong best-in-class capabilities to protect the bank's and our clients' money.
Responsibilities:
* Lead analysis to optimize deployment and efficacy of new authentication tools.
* Explore AI solutions and tools to continually improve fraud control economics
* Navigate internal governance and regulatory space to deploy AI and other advanced tools in a well-governed manner (model risk management and AI toll gates)
* Develop compelling vision and data driven business cases for transformation initiatives. Lead efforts to prioritize authentication and other fraud-related investments across channels (online, call center, in-person).
* Facilitate regular routines for stakeholders and senior executives.
* Build and lead cross-functional teams to solve complex, high impact business problems.
* Builds and maintains strategic relationships with peers and counterparts across product, technology, and business control functions
* Performs complex analysis of financial models, market data, financial data, and portfolio trends to understand product performance and improve portfolio risk, profitability, performance forecasting, and operational performance
* Coaches and mentors peers to improve proficiency in a variety of systems and serves as a subject matter expert on multiple business and technical-related topics
* Identifies business trends based on economic and portfolio conditions and communicates findings to senior management
* Supports execution of large scale projects, such as platform conversions or new project integrations, by conducting advanced reporting and drawing analytics based insights
Required Qualifications:
* 5+ years of Fraud experience
* B.A./B.S in Computer Science, Data Science, Engineering, Business, Statistics or quantitative related field
* SQL and/or SAS coding ability
* Advanced knowledge of Excel
* Excellent communication and presentation skills
* Experience analyzing and optimizing complex systems and controls
* Experience managing competing priorities
* Ability to understand the information needs of business users and senior leaders and build to those specifications with minimal direction
Desired Qualifications:
* 10+ years of Fraud experience
* Experience deploying and using AI-based solutions to drive business value
* Experience optimizing deployment and ongoing management of risk mitigation tools
* Advanced degree in Computer Science, Data Science, Engineering, Business, Statistics or quantitative related field
* Fraud and/or Claims background with focus on Authentication
* Functional knowledge of multiple products and/or channels (e.g. Credit, Debit, Deposits, Online Retail Merchant, Payment Processing, Digital, Call Center, etc.)
* Demonstrated ability to manage cross-functional teams
Skills:
* Business Analytics
* Analytical Thinking
* Data and Trend Analysis
* Fraud Management
* Problem Solving
* Artificial intelligence / Machine Learning
* Innovative Thinking
* Statistical Design of Experiments and Solution Testing
* Presentation Skills
* Risk Management
* Oral and Written Communications
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
Shift:
1st shift (United States of America)
Hours Per Week:
40
Senior Product Manager - EASI Link
City National Bank job in Phoenix, AZ
WHAT IS THE OPPORTUNITY? The Product Manager ("PM") for Treasury Management Solutions ("TMS") is responsible for a portfolio of business services which serve small to medium to corporate size business market segments. The TMS PM seeks, defines, introduces, promotes and monitors products, services and functionalities that develop new client relationships, enhance existing relationships and maximize returns. Core responsibilities include product strategy, product development, product management, product pricing, product positioning and product promotion, as well as compliance/risk management, vendor management, and product financials management. The TMS PM works with bank stakeholders, vendors and clients to continuously improve the product offering, servicing and analytics. The TMS PM ensures that products compete effectively in the markets we serve; and creates client experiences that exceed the needs and expectations of the clients we serve.
WHAT WILL YOU DO?
* Product Portfolio management: maintain and continuously improve a product portfolio that balances client value and cost; analyze and report on program performance to bank management.
* Financial management: keep track of costs and revenues, and project trends.
* Product strategy: develop strategic plans and business cases that promote new client acquisition and retention.
* Product development: identify product opportunities based on strategic objectives, client needs and market analysis for all business market segments
* Product management: monitor, track and evaluate existing products, enhancing or eliminating as appropriate to improve performance, profitability and competitiveness.
* Pricing: optimize revenue via strategic pricing decisions.
* Product positioning: develop positioning strategies to generate revenue, contribute to overall "brand" and differentiation, and extend relationship life.
* Product promotion: promote products as part of total relationship/segment offering.
* Product knowledge: Maintains excellent knowledge of assigned TMS products (strategy, industry trends, competition, operations, regulations, compliance, etc.) and the product management function, along with strong understanding of the bank's entire portfolio of products, how they fit together, how strategically positioned and sold.
* Client relationship support: works directly with clients in partnership with Sales teams in order to fully understand clients, client users and their needs, provide advisory services and gather product feedback.
* Product marketing: develop information on product features, benefits, requirements, pricing and services, and plan campaigns with the marketing team.
* Quality control: Accountable for appropriate quality controls for the products delivered, the service and support of the products and their operational processes.
* Vendor management: manage vendor service quality, costs and capacity to maximize client satisfaction, retention and profitability.
* Compliance: identify, communicate and coordinate efforts to mitigate product risk and ensure regulatory compliance.
* Culture management: Ensure that all City National products, financial solutions and services are provided ethically and with integrity in a manner that is consistent with the client-first values embodied in City National's outstanding relationship service culture
* Provides business direction to junior Product Managers and can be responsible for prioritizing and coordinating their work
* Research and identify potential vendors.
WHAT DO YOU NEED TO SUCCEED?
*Required Qualifications**
* Bachelor's Degree or equivalent
* Minimum 7 years of experience in product management, project management, financial management and/or vendor management
* Minimum of 5 years of experience managing medium to large product projects required
* 5 or more years of Financial Services industry experience preferred
*Additional Qualifications*
* Must have a working understanding of design thinking, agile development and how to enable products and services through digital channels (online, mobile, etc.)
* Preferred candidate will be skilled in matrix and project management, macro and micro level thinking and analysis.
* Demonstrated experience leading and delivering concurrent projects as part of a cross-functional team in a flat organization.
* Demonstrated experience forecasting product revenues and costs, and managing a product portfolio profitably within competition and vendor constraints
* Must have excellent communication skills, both written and spoken.
* Must possess excellent public speaking and presentation skills.
* Must be skilled with financial modeling and knowledgeable of financial concepts
* Must have ability to communicate at a strategic level with senior management
* Must have desire to maintain knowledge through industry networking, constant research and understanding of products.
* Microsoft Office proficiency required: Outlook, Word, Excel, PowerPoint, and Visio
* Experience with Agile platforms preferred: Jira, Confluence, and TFS preferred
* Excellent organizational, problem solving, analytical, planning, and scheduling skills.
*WHAT'S IN IT FOR YOU?*
*Compensation*Starting base salary: $111,408 - $189,738 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.
*Benefits and Perks*
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:
* Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
* Generous 401(k) company matching contribution
* Career Development through Tuition Reimbursement and other internal upskilling and training resources
* Valued Time Away benefits including vacation, sick and volunteer time
* Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
* Career Mobility support from a dedicated recruitment team
* Colleague Resource Groups to support networking and community engagement
Get a more detailed look at our *********************************
ABOUT US
Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at **********************************
*INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT*
City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law.
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
*Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
\#CA-MA
\#LI-MA
ServiceNow Platform Operations Specialist
Chandler, AZ job
Plano, Texas;Chandler, Arizona; Kennesaw, Georgia; Richmond, Virginia **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (***********************************************************************************************************
**:**
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
**Job Description:**
The **ServiceNow Platform Operations Specialist** will have a leading role in maintaining the ServiceNow platform as defined by the Product teams. Our Operations team is responsible for level-2 end-user support, code migration/release support as well as production availability for over 10 ServiceNow instances. This role will provide hands on technical expertise to resolve service availability issues which includes coordinating cross team efforts to perform root cause analysis and problem resolution. You will work in a team environment to plan and implement software (or hardware) changes. We participate in various phases of the application lifecycle including plan, server build and software installation, release implementation, continuous improvement, and decommission. At these early stages of our ServiceNow deployment, sharing knowledge and developing a documentation library as a team will be essential to our success.
This job is responsible for being the first point of contact for requests or service failure incidents and maintaining stability for a portfolio of applications. Key responsibilities include documenting or modifying knowledge, performing investigations, identifying incidents, mitigating impacts and engaging in triages, and working with technology teams to identify and resolve issues. Job expectations include following well defined Standard Operating Procedures (SOPs) and partnering with experts to improve service levels by proposing changes to monitoring, alerting, and configuration.
**Responsibilities:**
+ Maintain and support the ServiceNow platform while adhering to bank policies and standards.
+ Manage ServiceNow code quality control processes and routine
+ Lead and mentor a team of operations specialists assigned to work on ServiceNow
+ Respond to incidents for application availability issues as part of on-call duties
+ Respond to incidents/pages for application functional issues or questions as part of daily duties
+ Use your technical knowledge to triage service availability issues and restore service
+ Research and resolve system defects, lead root cause analysis, and drive permanent resolution
+ Ensure appropriate monitoring is in place and maintained to ensure application availability
+ Participate in software release implementation meetings
+ Participate in and coordinate maintenance activities
+ Prepare and maintain application support/process documentation
+ Develop management jobs, automation routines, or deployment scripts
+ Monitors and supports application components and infrastructure critical to the business, such as relevant technologies and dashboards, responds to alerts regarding production incidents, and resolves issues prior to customer service interruption
+ Fulfills requests from users, operations, auditors, and regulators within service level agreements and drives operational excellence through process improvement and monitoring development efforts related to supported technologies
+ Onboards monitoring tools and applications in access system(s) of record to research potential production incidents, meet user requirements and service changes, and identify and implement automation opportunities in partnership with architects and engineers
+ Communicates status updates and technical details, such as infrastructure, application and client impact, and component points of failure to management, and provides reporting on environment and incident status in operational meetings
+ Performs environment routing and cycling, implements splash pages, and liaises with development teams to design and configure auto provisioning, straight thru revocation (STR), and straight thru processing (STP)
+ Manages aged revocation monitoring to identify and fix defects in applications and systems of record
+ Prepares technical documentation and develops procedures for trouble shooting incidents in order to identify production failure scenarios, vulnerabilities, and improvement opportunities requiring escalations
**Required Qualifications:**
+ ServiceNow Certified System Administrator (CSA) certification, product micro certifications
+ Proven experience as a administrator in highly regulated environments
+ Experience in maintaining multiple ServiceNow environments
+ Minimum of 5+ years of experience a ServiceNow development and engineering with emphasis on platform management
+ Experience monitoring and maintaining ServiceNow products, supporting software engineering, maximizing data processing systems, building cloud-compatible services, and operating within an enterprise IT lifecycle
+ Experience supporting ServiceNow integrations for security, risk, and compliance
+ Experience with ServiceNow instance cloning and management
+ Experience maintaining both Windows and Linux MID servers.
**Desired Qualifications:**
+ Bachelor's Degree in Technology or related field
+ ServiceNow certified implementation specialist (CIS)
+ ServiceNow certified application developer (CAD)
+ Experience in financial institution information technology security, compliance with rules, regulations, and financial industry standards
+ Experience leveraging MID servers for integration and automation
+ Experience with ServiceNow Discovery and other Configuration Management Database (CMDB)population toolsets
**Skills:**
+ Adaptability
+ Analytical Thinking
+ Influence
+ Production Support
+ Risk Management
+ Automation
+ Collaboration
+ Result Orientation
+ Solution Delivery Process
+ Business Acumen
+ Stakeholder Management
**Shift:**
1st shift (United States of America)
**Hours Per Week:**
40
Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.
View your **"Know your Rights (************************************************************************************** "** poster.
**View the LA County Fair Chance Ordinance (************************************************************************************************** .**
Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work.
This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.
Supervisor Crisis Management
City National Bank job in Phoenix, AZ
*SUPERVISOR OPERATIONAL RESILIENCY* WHAT IS THE OPPORTUNITY? The Crisis Management Supervisor reports to the Manager of Operational Resiliency in the First Line of Defense. The position will lead a team in the development and implementation of all core activities of the Crisis Management Planning framework (Crisis Management, Incident Response, Testing, Tabletops, Training). This is a highly visible role requiring supervisory to liaise with senior leaders to coordinate incidents and effectively communicate and provide status both during and after.
WHAT WILL YOU DO?
* Provide 24x7 support for all Crisis Management Incidents by leading the Crisis Management Team and ongoing communications.
* Determine escalation to the Business Continuity Team and providing updates to senior business leaders.
* Create process for and lead Post-Mortem reviews of incidents to determine root causes and corrective action plans.
* Create and lead Crisis Management Working Group including defining roles and responsibilities, training, quarterly meetings/updates including Corporate Comm, HR, IT, Corp Security, Real Estate, et al.
* As part of the FLoD, the Crisis Management Supervisor works with multiple first responder areas, supports and manages strategic execution of the Crisis Management framework and its related components including but not limited to (Crisis Management, Incident Response, Testing, Tabletops, Training, Reporting).
* Coordinates and reviews First Line of Defense (FLoD) core activities of the Crisis Management Planning framework inclusive of gap assessments, risk measurement, appropriateness of mitigation strategies, and material risk identification.
* Ensures Crisis Management and the FLoD roles and responsibilities, timelines, and requirements are clear
* Drives the socialization, adoption, consistent and appropriate implementation, and ongoing maintenance of the Crisis Management policies, standards, methods, etc. across the bank.
* Leads team of Crisis Management Analysts and process alignment (e.g., disaster recovery coordination, tabletops, CM tools).
* Ongoing subject matter expertise on all Crisis Management regulatory requirements, defining threats, and risk scenarios in order to provide recommendations on changes or program enhancements required to address such requirements and threats.
* Acts as a Crisis Management Management advocate towards the front line business units ensuring business buy-in and facilitating integration of second line policies, standards, and minimum requirements.
* Aids in Board and Supervisor management reporting
* Performs Crisis Management awareness training relating to Risk Management, including new and changing policies, systems, and methodologies
* Assesses BC risks and policy/standard/procedure compliance relating to controls design, FLoD testing processes, FLoD testing results and sample based testing
* Provides support for Internal Audits and Regulatory Exams
* Ensures FLoD program compliance and maturity through
* KRI monitoring, monitoring of remediation plans and performing quality assessment reviews
* Understand and apply internal policies/procedures, laws and regulations and managing to regulatory requirements including but not limited to: FFIEC, OCC, FINRA, Federal Reserve
* Provides backup for Manager Operational Resilience
WHAT DO YOU NEED TO SUCCEED?
*Required Qualifications**
* Bachelor's Degree or equivalent
* Minimum 12 years of Crisis Management experience
* Minimum 3 years of financial services experience
* Minimum 3 years of project management experience
*Additional Qualifications*
* Demonstrated strong skills in applying Crisis Management planning principles to various levels (staff, management and executive) of the company.
* Able to effectively interact with peers, subordinates, internal and external customers and vendors.
* Excellent, analytical, problem solving, communication, and prioritization skills
* Demonstrated ability to influence and motivate individuals and teams.
* Advanced presentation skills and oral and written communication skills
* Excellent project management skills, which include task identification, project planning, and ability to understand scope of recovery efforts, ability to coordinate critical activities during continuity exercises and events, and proficiency with tools required to pull project together.
* Self-starter with the ability to work independently.
* Fully proficient with Microsoft Office applications, including (but not limited to) Word, Excel, Visio, and PowerPoint
*WHAT'S IN IT FOR YOU?*
*Compensation*Starting base salary: $111,408 - $189,738 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.
*Benefits and Perks*
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:
* Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
* Generous 401(k) company matching contribution
* Career Development through Tuition Reimbursement and other internal upskilling and training resources
* Valued Time Away benefits including vacation, sick and volunteer time
* Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
* Career Mobility support from a dedicated recruitment team
* Colleague Resource Groups to support networking and community engagement
Get a more detailed look at our *********************************
ABOUT US
Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at **********************************
*INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT*
City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law.
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
*Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
\#CA-AP
\#LI-AP
Operational Risk Fraud Oversight Manager II
City National Bank job in Phoenix, AZ
WHAT IS THE OPPORTUNITY? Operational Risk Management (ORM) is responsible for providing independent and objective oversight of the management of risks arising from City National Bank's business processes, people, systems or external events. Working with the Enterprise Risk Manager for Fraud and Payment Systems, the Fraud Manager II will contribute to the ongoing review and monitoring of operational risk programs executed by assigned 1LOD business or corporate unit(s), including Risk and Control Assessments, Control Management Activities, Key Risk Indicators, Operational Risk Events, Issue Management, Scenario Analysis, Risk Appetite, Products and aggregating and reporting of operational risk information to the Management Risk Committee, Risk Committee of the Board and RBC.
The Fraud Manager II is responsible for providing advisory and oversight for Fraud within ORM, with a particular focus on strengthening operational risk management efforts to support decision-making. This position provides an excellent opportunity to strengthen the operational risk management framework, which includes risk identification and assessment; risk measurement; risk controls; and risk monitoring and reporting to improve operational resilience.
WHAT WILL YOU DO?
All responsibilities are related to Fraud:
* Work collaboratively with assigned business or corporate unit(s) to embed an understanding of the risk profile and risk appetite of the bank.
* Review and challenge operational risk practices against CNB operational risk framework and policies, including but not limited to 1LOD output of risk identification assessments and scenario analysis, Risk and Control Self Assessments (RCSA's), Key Risk Indicators (KRI's), material existing and emerging exposures, Operational Risk Events (ORE) reporting, and issue resolution.
* Understand material existing and emerging risks which align with assigned business or corporate unit(s) to ensure operation within risk appetite and fair representation of the operational risk profile
* Review, challenge and monitor 1LOD risk appetite and key indicators, and their performance to risk appetite levels
* Review and challenge whether 1LOD strategic priorities sufficiently consider the full spectrum of risks, and whether all risks have been adequately assessed across all strategic priorities
* Provide advisory, oversight, and challenge to 1LOD development and implementation of business processes, procedures, and controls to adhere to operational risk governance requirements
* Review and challenge 1LOD risk acceptances and new business initiatives
* Credibly challenge 1LOD risk monitoring and reporting and related protocols, in conjunction with risk type teams, including metric trigger explanations and associated action plans
* Review and challenge 1LOD annual testing and monitoring plans, the adequacy of control management activities and assessment results, and risk mitigation strategies to address gaps in control design or operating effectiveness
* Review and challenge regulatory remediation activities in assigned coverage areas to ensure operational risk exposures associated with known control deficiencies are addressed. This includes providing oversight and challenge throughout the Issue Management Lifecycle, which may include issue details; root cause analysis; action plan; material issue changes; management's completion of the required and/or committed corrective actions with supporting evidence; control management activities; and sustainability.
* Review and challenge self-identified issues and escalation in assigned coverage areas, including challenge of issue ratings, corrective action plans, due date extensions, and thematic issues in accordance with the CNB Issue Management Policy
* Influence and monitor progress of action plans to improve the risk and control environment arising from risk assessments, risk monitoring, internal and external events, and regulatory exams
* Exhibit high attention to details in identifying, aggregating, and communicating issues and control gaps to appropriate stakeholders
* Lead with the preparation of status reports, key metrics and other ORM reporting information as requested by management, the Risk Committee or RBC.
* Contribute to ad-hoc assignments/special projects
* Maintain awareness of current regulatory/industry trends impacting the Bank's operational risk management program or practices.
* Maintain familiarity of, and technical expertise with, business unit(s) organizational structure, personnel, activities and products, new product development, financial performance, and risk and problem areas
* Act as an internal advisor to business and corporate units regarding the ORM framework, policies and procedures.
* Support and facilitate audit and regulatory exam activities
* Build effective relationships, alliances, and strategic partnerships across CNB and RBC to help deliver results and to ensure opportunities are identified, analyzed, and managed appropriately. Understand interdependencies to achieve success.
* Build and grow risk talent through mentoring, coaching, and training
WHAT DO YOU NEED TO SUCCEED?
*Required Qualifications**
* Bachelor's Degree or equivalent
* Minimum 10 years of experience in the financial services industry
* Minimum 7 years of experience in risk management, operational risk management, compliance, or audit
* Minimum 5 years of control assessment and validation experience
*Additional Qualifications*
* Bachelor's degree or higher and other professional qualifications such as CPA, CIA, etc.
* Knowledge of OCC rules and regulations (i.e. heightened standards for Large Financial Institutions)
* Strong understanding of three lines of defense risk management structure and requirements
* Strong understanding of Risk Management/Operational Risk Management
* Strong knowledge of internal control management practices and testing methodology with proven experience in controls management design and/or execution
* Strong knowledge of issue management practices with proven experience in issue resolution
* Ability to handle complexity and ambiguity
* Ability to deal effectively with conflict
* Well-developed influencing skills
* Strong interpersonal, verbal, and written communication skills
* Demonstrated ability to think critically and facilitate change through collaborative effort.
* Self-motivation, discipline, task focus, the ability to structure and present work and a proven record of delivering high quality results within strict deadlines.
* Ability to multitask and prioritize several concurrent initiatives
* Ability to work in a matrix environment
*WHAT'S IN IT FOR YOU?*
*Compensation*Starting base salary: $99,000 - $176,000 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.
*Benefits and Perks*
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:
* Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
* Generous 401(k) company matching contribution
* Career Development through Tuition Reimbursement and other internal upskilling and training resources
* Valued Time Away benefits including vacation, sick and volunteer time
* Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
* Career Mobility support from a dedicated recruitment team
* Colleague Resource Groups to support networking and community engagement
Get a more detailed look at our *********************************
ABOUT US
Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at **********************************
*INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT*
City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law.
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
*Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
Fraud Analytics and Innovation Lead Analyst - Fraud Strategy
Sun City West, AZ job
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
Job Summary:
This job is responsible for performing more complex analysis aimed at improving portfolio risk, profitability, performance forecasting, and operational performance for consumer products and related divisions, such as credit cards. Key responsibilities include applying knowledge of multiple business and technical-related topics, independently driving strategic improvements, large-scale projects, and initiatives. Job expectations include working with business counterparts within the line of business and partner organizations (e.g.,. Risk, Product, etc.).
Are you a strategic, analytical thinker with a passion for fighting financial crime? Ready for the chance to drive real change in an organization? We are searching for a motivated fraud strategy analyst to help drive that transformation within our deposit client identity and onboarding space. The Deposit New Account Fraud Risk Strategies team is keenly focused on supporting product innovation and responsible growth while preventing, detecting and mitigation financial threats against our checking and savings products. This is a highly visible role that will focus on identifying trends and strategy opportunities related to fraudulent applications, subsequent transactional patterns and operational treatment efficiencies.
A successful candidate will be an individual contributor on a team of other analysts responsible for performing strategic analysis to improve portfolio risk, profitability, performance forecasting and operational performance for consumer and small business deposit products. This position requires a rigorous analytical focus on monitoring for shifts in fraud activity, transactional dynamics and effectively communicating trends and opportunities for improvement. Key functions involve developing application and transaction monitoring, identifying business trends based on economic and portfolio conditions and executing/monitoring strategic enhancements.
Sound technical knowledge of SAS / SQL, financial statements, business processes, and fraud subject matter expertise in the areas of KYC, KYB, Identity Theft, First Party Fraud and Synthetic Identities are keys to excelling in this role.
Responsibilities:
* Performs complex analysis of financial models, market data, financial data, and portfolio trends to understand product performance and improve portfolio risk, profitability, performance forecasting, and operational performance
* Coaches and mentors peers to improve proficiency in a variety of systems and serves as a subject matter expert on multiple business and technical-related topics
* Identifies business trends based on economic and portfolio conditions and communicates findings to senior management
* Supports execution of large scale projects, such as platform conversions or new project integrations, by conducting advanced reporting and drawing analytics based insights
* Responsible for oversight of deposit product application fraud, trend identification and development of mitigation strategies to responsibly manage fraud risk.
* Ensures effective governance and cadence on progress reviews, communication, stakeholder updates
* Guarantees seamless hand off to operations team for new processes
* Provide recommendations on mitigation efforts, ensuring monitors are in place, and will self-create initiatives as needed.
* Collaborate with cross-functional teams to integrate fraud detection measures into existing systems and processes.
* Stay abreast of industry trends, emerging threats, and technological advancements to continuously enhance fraud prevention methodologies.
* Analyze data and conduct investigations to identify patterns, trends, and anomalies indicative of potential fraud.
* Identifying new sources of data (internal or vendor-provided) that can enrich our existing detection processes, be added to our decision systems, and allow for new detection strategies to be developed. Will require close coordination with partners in Fraud Technology.
* Ensuring proper risk controls are deployed, while adhering to best practices.
* Provide oversight on defect reviews of 3rd party/scam loss cases to identify any gaps in Fraud strategy and/or procedural adjustments.
* Providing fraud requirements, testing, and development of strategies for new project and endeavors
* Design and monitor key fraud metrics and KPIs to evaluate the effectiveness of fraud prevention.
* Monitor Strategy performance and Optimization of existing detection strategies to determine areas where rules can be adjusted to decline fewer false positives and improve the ROI and overall performance of our fraud strategies.
* Identify process improvements and efficiencies via data analysis.
* Partner with claims, policy, strategy, and product teams to deliver data insights and analysis that inform critical decisions and help achieve goals.
Required Qualifications:
* 3+ years of experience in SQL and SAS querying /coding
* 3+ years of experience in fraud prevention and strategic risk mitigation
* Intermediate Excel, PowerPoint and/or Tableau experience
* Demonstrate strong analytical skills
* Strong organizational and written / oral communication skills
* Self-starter capable of generating meaningful work and driving results
* Ability to work in a fast paced, dynamic environment
* Strong strategic thinking skills with a track record of breaking complex problems down and developing clear strategy / action plans
* Proven track record of proactively identifying optimization opportunities for existing processes
* Ability to develop and/or optimize mitigation strategies or manage large fraud programs/initiatives
* Aptitude for working across functional lines and organizational levels to drive results
* Ability to present, lead, support, and influence senior management and business stakeholders
Desired Qualifications:
* BA/BS in Computer Science, Data Science, Statistics, or a related field
* Business analysis / Consulting experience
* Fraud subject matter expertise in these domains: KYC, KYB, Identity Theft, First Party Fraud and Synthetic Identities
* 5+ years of SAS or SQL Coding experience
* 5+ years of experience in fraud prevention and strategic risk mitigation
* Background in Technology, Agile, Systems Integration Testing (SIT), or User Acceptance Testing (UAT)
* Leadership and management skills, including development of teams and individuals
* Experience with multiple banking products such as, Digital Money Movement (Zelle, ACH, Wires) Deposit (DDA, Checks), Cards (Credit and Debit)
Skills:
* Analytical Thinking
* Business Analytics
* Data and Trend Analysis
* Fraud Management
* Problem Solving
* Collaboration
* Innovative Thinking
* Monitoring, Surveillance, and Testing
* Presentation Skills
* Risk Management
* Data Visualization
* Interpret Relevant Laws, Rules, and Regulations
* Issue Management
* Oral Communications
* Written Communications
Shift:
1st shift (United States of America)
Hours Per Week:
40
Wealth Management Client Associate
Scottsdale, AZ job
Merrill Wealth Management is a leading provider of comprehensive wealth management and investment products and services for individuals, companies, and institutions. Merrill Wealth Management is one of the largest businesses of its kind in the world specializing in goals-based wealth management, including planning for retirement, education, legacy, and other life goals through investment advice and guidance.
Merrill's Financial Advisors and Wealth Management Client Associates help clients pursue the life they envision through a personal relationship with their advisory team committed to their needs. We believe trust comes from transparency. Our trusted advisory teams are equipped with access to the investment insights of Merrill coupled with the banking convenience of Bank of America.
Merrill is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
At Merrill, we empower you to bring your whole self to work. We value diversity in our thoughts, business, and within our employees and clients. Our Wealth Management team represents an array of different backgrounds and bring their unique perspectives, ideas and experiences, helping to create a work community that is culture driven, resilient, results focused and effective.
Job Description:
This job is responsible for providing client service support to potentially multiple Financial Advisors (FAs). Key responsibilities include supporting enterprise strategic objectives, operational excellence goals, and client advocacy within the FA's business, while customizing solutions based on their specific needs. Job expectations include serving as the most frequent point of contact within Merrill to address all service needs of their clients.
For internal employees; participation in a work from home posture does not make you ineligible to post, however, may require to meet the workplace excellence policy.
Responsibilities:
* Provides excellent Client Service to the bank's clients through educating them on all of the bank's service and banking offerings
* Ensures timeliness, accuracy, and completeness in client materials and follows up on all client and Financial Advisor (FA) requests
* Assists with ensuring practices are in alignment with the bank's policies and procedures to support operational excellence, protect the bank's clients, and manage risk
* Identifies, deepens, and maintains client relationships through emphasizing the bank's offerings and promoting incorporation of banking into day-to-day practices, while communicating outputs to the FA
* Supports day-to-day team activities and needs including covering roles in times of absence or seasonal need increases, while leading with a client first mindset
Skills:
* Account Management
* Client Management
* Customer and Client Focus
* Issue Management
* Oral Communications
* Business Development
* Client Solutions Advisory
* Pipeline Management
* Prioritization
* Administrative Services
* Emotional Intelligence
* Referral Identification
* Written Communications
Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent
Shift:
1st shift (United States of America)
Hours Per Week:
37.5
Program Mgr III
City National Bank job in Phoenix, AZ
WHAT IS THE OPPORTUNITY? This role is responsible for the management of major programs across the bank. This position is responsible for the planning, implementation and successful delivery of one or more key programs, leading project teams and Project Managers that are each responsible for elements therein. This includes architecting program or project structures, plans to enable fulfillment an articulated business strategy and managing large program budgets. The Program Manager will also need to be able to quickly assess the health of the portfolio and make recommendations to improve delivery capability. They will manage end-to-end complex cross-line of business impacting change initiatives in alignment with CNB's Enterprise Change Management Framework. This includes all phases of program delivery from idea generation, business case development, planning, execution and transition to BAU. They will challenge/review program status in partnership with business and technology stakeholders to ensure sound risk and issue management throughout the project lifecycle. Program elements may include areas such as organization structure, processes, operational support and technology. Role will be instrumental in driving and tracking program activities, negotiating changes in plans and effective communication with all stakeholders and senior management. Success of program outcomes will be measured by the implementation and fulfillment of a strategy and realization of program's defined benefits and results.
WHAT WILL YOU DO?
* Establish and drive delivery of program plan objectives, coordinating activities across multiple departments and projects to achieve program goals.
* Define and establish program and governance structures to support successful delivery and manage program risk
* Manage large complex programs and projects as needs dictate
* Reviews and approves project plans for conformance to program strategy, program plan and schedule.
* Leads and facilitates high-level meetings for program plan requirements and to develop schedules and milestone measurements.
* Accountable to program stakeholders and senior management for schedule, budget, quality and outcome of all program elements.
* Communication liaison with key stakeholders, coordinating and holding periodic briefings/status updates.
* Create strategies for risk mitigation and contingency planning.
* Understand cross-program dependencies
* Provide guidance and leadership to a matrixed Program & Project Team.
* Manage team of junior program / project managers.
* Adhere to CNB Project Management Guidelines and delivery methodologies when applicable
* Complies fully with all Bank Operational policies and procedures and completes all required training.
WHAT DO YOU NEED TO SUCCEED?
*Required Qualifications**
* Bachelor's Degree or equivalent
* Minimum 7 years of experience in managing PMO functions and/or end-to-end complex change programs independently with multi-department/Line of Business impact.
* Minimum 7 years banking/financial services and/or technology industry experience
*Additional Qualifications*
* Banking experience highly preferred
* Management Consulting background highly preferred
* PMP or Master's Degree preferred.
* Understands full project lifecycle, can assess impacts, including people, process and technology, manage scope/schedule/risks and deliver project results
* Can drive organizational change and understands how to structure program governance and reporting at the portfolio level
* Can think strategically and effectively manage relationships with business partners
* Strong executive presentation skills and ability to influence business decisions in alignment with strategic goals/objectives
* Experience with Commercial and Consumer lending highly preferred
* Experience in structured analysis, strategy, problem-solving and critical thinking
* Expert with the MS Office Suite with a focused ability to create concise and compelling presentations (Project Plans in MS Project, Presentations in PowerPoint, Word, Excel, etc).
* Must have strong business savvy with good diplomacy skills in order to influence and be effective with senior executives.
* Exceptional written and verbal communication skills
* Exceptional leadership, coaching and negotiation skills.
* Scheduling and budgeting experience.
* Demonstrated ability to problem solve and exercise solid judgment
* Demonstrated ability to communicate with highly technical as well as functional partners
* Must be extremely knowledgeable with bank-wide strategic plans and direction.
* Must be extremely knowledgeable in all aspects of project methodology, various project management tools and techniques across all program and project activities
* Knowledge or experience in the implementation and/or support of applications and/or infrastructure environments within a technology organization a plus
*WHAT'S IN IT FOR YOU?*
*Compensation*Starting base salary: $122,535 - $208,715 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.
*Benefits and Perks*
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:
* Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
* Generous 401(k) company matching contribution
* Career Development through Tuition Reimbursement and other internal upskilling and training resources
* Valued Time Away benefits including vacation, sick and volunteer time
* Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
* Career Mobility support from a dedicated recruitment team
* Colleague Resource Groups to support networking and community engagement
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ABOUT US
Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at **********************************
*INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT*
City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law.
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*Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
Investment Consultant II - Merrill Premium
Chandler, AZ job
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.
Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!
Job Description:
This job is responsible for providing prospects and self-directed investors with financial assistance by identifying broader product and service solutions that meet their investment and saving needs. Key responsibilities include applying knowledge of investments, products, financial markets, policies, procedures, and processes to the client's investment needs. Job expectations include owning the management, research, and communication process of resolving client issues and achieving high client satisfaction and relationship deepening through a disciplined and responsible approach. This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since this position requires SAFE Act registration, employees are required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination.
The registered Investment Consultant II demonstrates knowledge of investments and financial markets and assists clients with their servicing and trading needs through inbound and outbound phone interactions. The Investment Consultant II will own the management, research, and communication of resolution to client issues while demonstrating expert knowledge of policies, procedures and processes. The role is responsible for achievement of high client satisfaction and relationship deepening through a disciplined and responsible approach.
Responsibilities:
Provides prospects and self-directed investors with financial guidance and assistance based on their needs to deepen existing relationships
Educates potential and existing clients about investment products, services, and trading strategies offered by the bank
Delivers on performance goals by uncovering additional client needs, deepening existing relationships, and referring clients to business counterparts
Deliver exceptional service to clients by answering general account inquiries
Accurately execute and confirm trade orders as well as a variety of securities transactions initiated by self-directed clients
Assist clients with brokerage consumer website usage and navigation
Educate potential and existing clients about investment products, services and trading strategies
Research and resolve client requests
Maintain current knowledge of Merrill products, policies, and services while keeping abreast of financial markets and regulations
Required Qualifications:
* Series 7, and 66 or equivalent (if not currently held, Series 66 must be obtained within 90 days)
* Demonstrated passion and interest in financial markets
* Excellent customer service skills with the ability to actively listen to clients and demonstrate empathy
* Strong analytical and organizational skills
* Detail oriented, with good follow-up skills
* Strong interpersonal skills
* Ability to multi-task in a dynamic environment
* Requires basic knowledge of the organization, products and/or services
* Requires knowledge of financial markets and trading strategies
* Excellent verbal and written communication skills
* Proven ability to meet and exceed productivity and performance goals
* Must be technologically savvy and able to quickly learn new systems
* Ability to adapt and seek solutions for customers in a fast-paced environment
* Must be flexible to work assigned shift within center hours of operation
* Strong desire for point of call resolution
* Focus on client satisfaction
Desired Qualifications:
* Call center experience is preferred but not required
* Previous Brokerage experience is a plus
* 1+ years of financial industry experience
Skills:
Account Management
Advisory
Client Experience Branding
Customer and Client Focus
Oral Communications
Active Listening
Attention to Detail
Client Solutions Advisory
Issue Management
Pipeline Management
Causation Analysis
Client Management
Policies, Procedures, and Guidelines
Risk Management
Trading
Shift:
1st shift (United States of America)
Hours Per Week:
40