Risk Manager - Commercial Card

The Commercial Card Risk Manager owns oversight and execution of credit and operational risk programs supporting a commercial credit card portfolio. This role balances loss mitigation, regulatory expectations, and customer experience while partnering closely with product, operations, audit, and corporate risk.

What You Will Do

• Oversee and monitor the commercial credit card portfolio to reduce credit losses, fraud exposure, and internal misuse while maintaining a strong customer experience.
• Identify emerging credit, fraud, operational, and third-party risks and design appropriate controls.
• Assess control effectiveness, document results, and escalate issues requiring senior management attention.
• Lead risk and control self-assessments aligned to enterprise and regulatory expectations.
• Own risk assessments for new product launches, enhancements, and service changes.
• Partner with product, operations, audit, and corporate risk teams to develop remediation plans with clear actions and timelines.
• Serve as the central point of contact for risk communications between the business segment and enterprise risk teams.
• Act as Business Segment Relationship Manager for vendor partnerships, ensuring adherence to Third Party Risk Management requirements.
• Maintain and update credit policies, procedures, and process documentation on a regular cadence.
• Ensure ongoing compliance with corporate, business unit, and regulatory policies.
• Stay current on credit risk trends and exposures impacting the commercial card business.

What You Bring

• 5+ years of experience in compliance, risk management, or operational risk, with preference for payments or commercial credit card environments.
• Experience with underwriting, credit risk, card fraud, or disputes.
• Strong working knowledge of risk management frameworks and regulatory requirements.
• Proven ability to assess controls, analyze risk data, and exercise sound judgment.
• Clear written and verbal communication skills with comfort presenting issues to senior leaders.
• Strong collaboration skills across product, operations, audit, and vendor partners.
• Ability to manage multiple priorities in a fast-paced environment with shifting requirements.
• Proficiency with standard Microsoft Office tools.