49 Operational Risk jobs in Chicago

Provides oversight, monitoring and reporting on operational risks for a designated portfolio. Develops and monitors the operational management framework that includes the governance framework & practices leveraged across BMO to manage operational risks. Provides policies & standards, methodologies and controls that increase transparency, accuracy and consistency across groups. Works with stakeholders to implement the methodology, metrics and program standards for the assigned portfolio to ensure compliance as well as effective monitoring, timely reporting and identification of action plans.
+ Provides strategic input into business decisions as a trusted advisor.
+ Makes recommendations to senior leaders on strategy and new initiatives, based on an in-depth understanding of the business/group.
+ Acts as a subject matter expert on relevant regulations and policies.
+ May network with industry contacts to gain competitive insights and best practices.
+ Interprets new regulations and assesses impacts to the governance framework.
+ Develops reports on the status of the governance program or framework components to various internal & external stakeholder audiences.
+ Influences and negotiates to achieve business objectives.
+ Identifies emerging issues and trends to inform decision-making.
+ Recommends business priorities, advises on resource requirements and develops roadmap for strategic execution.
+ Manages resources and leads the execution of strategic initiatives to deliver on business and financial goals.
+ Measures the effectiveness of risk governance system and framework; recommends changes as required.
+ Conducts independent analysis and assessment to resolve strategic issues.
+ Leads the development and maintenance of the governance system and framework.
+ Acts as the prime subject matter expert for internal/external stakeholders.
+ Represents the model validation program / portfolio for internal/external regulatory audits and/or examinations.
+ Ensures alignment between stakeholders.
+ Designs and produces regular and ad-hoc reports, and dashboards.
+ Develops and manages comprehensive information management systems; designs and/or leads initiatives to improve processes, analysis and reporting.
+ Defines business requirements for analytics & reporting to ensure data insights inform business decision making.
+ Leads change management programs of varying scope and type, including readiness assessments, planning, stakeholder management, execution, evaluation and sustainment of initiatives.
+ Leads the development of the communication strategy focusing on positively influencing or changing behaviour.
+ Leads the execution of operational programs; assesses and adapts as needed to ensure quality of execution.
+ Manages the review and sign-off process for relevant regulatory reporting.
+ Leads and integrates the monitoring, measurement & reporting on the status of the operational risk governance program to internal & external stakeholders.
+ Leads the management of governance meetings and maintenance of governing body mandates, oversight and approval guidelines.
+ May provide specialized support for other internal and external regulatory requirements.
+ Provides input into the planning and implementation of ongoing operational programs in support of the operational risk framework.
+ Leads/participates in the design, implementation and management of core business/group processes.
+ Administers and maintains operational risk program activities in adherence to all policies, procedures and established processes.
+ Identifies potential risk situations/ impacts, and make recommendations or escalates to the manager, as per guidelines.
+ Develops and maintains in-depth knowledge of business and related risk management requirements and legislative/ regulatory directives and guidance.
+ Builds effective relationships with internal/external stakeholders e.g. business stakeholders and Corporate Support Areas (CSAs) in providing 'second line of defense' operational risk management support.
+ Analyzes data and information to provide insights and recommendations; includes identification of risk impacts for new processes and workflows related to initiatives.
+ Monitors and tracks performance; addresses any issues.
+ Coordinates and monitors the review and sign-off of attestations and reporting.
+ Maintains tools and templates for operational risk programs (e.g., Risk Control Self Assessment (RCSA), Sarbanes-Oxley (SOX) or regulatory compliance), as required.
+ Operates at a group/enterprise-wide level and serves as a specialist resource to senior leaders and stakeholders.
+ Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to problems that can be complex and non-routine.
+ Implements changes in response to shifting trends.
+ Broader work or accountabilities may be assigned as needed. **Qualifications:**
+ Typically 7+ years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
+ In-depth / expert knowledge operational risk management practices.
+ In-depth / expert knowledge of the designated business / product portfolio.
+ In-depth / expert knowledge of regulatory requirements.
+ In-depth / expert knowledge of quantitative techniques and economic capital methodologies.
+ In-depth / expert knowledge & experience with risk policy frameworks; quality control / testing frameworks.
+ Seasoned professional with a combination of education, experience and industry knowledge.
+ Verbal & written communication skills - In-depth / Expert.
+ Analytical and problem solving skills - In-depth / Expert.
+ Influence skills - In-depth / Expert.
+ Collaboration & team skills; with a focus on cross-group collaboration - In-depth / Expert.
+ Able to manage ambiguity.
+ Data driven decision making - In-depth / Expert.
**Salary:**
$102,000.00 - $190,000.00
**Pay Type:**
Salaried
The above represents BMO Financial Group's pay range and type.
Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group's expected target for the first year in this position.
BMO Financial Group's total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: Us**
At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.
As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one - for yourself and our customers. We'll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we'll help you gain valuable experience, and broaden your skillset.
To find out more visit us at is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law.
BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to and let us know the nature of your request and your contact information.
Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.

In Strategy & Consulting we work with C-suite executives, leaders and boards of the world's leading organizations, helping them reinvent every part of their enterprise to drive greater growth, enhance competitiveness, implement operational improvements, reduce cost, deliver sustainable 360° stakeholder value, and set a new performance frontier for themselves and the industry in which they operate. Our deep industry and functional expertise is supported by proprietary assets and solutions that help organizations transform faster and become more resilient. Underpinned by technology, data, analytics, AI, change management, talent and sustainability capabilities, our Strategy & Consulting services help architect and accelerate all aspects of an organization's total enterprise reinvention.
We are:
Finance Risk & Compliance, and we give finance execs the sounding board they need. Value isn't just about maintenance. It's about zeroing in on smart, sustainable ways to grow, and finding the right tools to keep everything on track. We've got the deep industry experience, the functional insights, the data power, and the digital tech leadership to help our clients make important changes. Whether we're breaking down meaningful analytics, designing the perfect finance platforms, or building from current risk and compliance models to get ready for the future, we solve our clients' toughest problems. Visit us here to find out more about Finance Risk & Compliance. ( are:
An expert decision-maker and a clear communicator. You're always looking for better and more efficient ways to manage risk. When you say its time to bring in new solutions or change the way things are done, clients listen. They know you'll walk them through the process - in person and on paper. Everyone's happy, because they have the right tools to stay compliant and new ways to create value.
The work:
· Assess risk and develop mitigation strategies for top-tier financial services organizations
· Support and share knowledge with project teams and use analytics to find new ways of working that put people and process first
· Manage project teams, deliverables and budgets across workflows
· Attract new business by creating thoughtful proposals and building strong client relationships
· Show clients where and how to benefit from a more flexible workforce
· Use design-led thinking to improve customer experience
· Help grow the practice by championing Accenture initiatives and products
· Stay on top of how new regulations and technologies affect our clients' businesses - and ours
Travel:
Travel requirements based on client needs
+ Minimum of 2 years of client facing consulting experience in risk and regulatory management consulting
+ Minimum of 7 years of experience with a proven track record in one of the following areas:
+ Treasury organizational structure and transformation
+ Capability maturity transformations including gap assessments, target operating model design, build, implementation and roll-out
+ Good understanding of underlying end to end data, tech and operational capabilities for complex treasury function
+ Balance sheet and treasury management:
+ Liquidity and cash management: Cash management and cash flow forecasting and analytics (liquidity, deposits, balance sheet etc.), intraday liquidity, liquidity stress testing, LCR, NSFR
+ Contingency funding planning, Recovery and resolution planning
+ Capital management and stress testing (CCAR), scenario management and management
+ Reg reporting FR2052, FR-Y-14
+ Data management, technology and platforms
+ Credit risk management
+ Policy and governance
+ Portfolio management and analytics (risk ratings, loss forecasting, early warning, management reporting), reporting and regulatory compliance (including CECL/IFRS9 etc.),
+ Credit risk data management, technology and platforms
+ Counterparty Credit / Market risk management including IR, FX, Equity etc.
+ Policy and governance
+ Economic Value of Equity, Net Interest Income and IRRBB
+ Portfolio management and analytics (e.g., VaR, ESs, XVAs etc.), regulatory compliance and reporting including FRTB, FFIEC etc.
+ Market risk data management, technology and platforms
+ Resolution and Recovery Programs and 165D plans across Capital, Liquidity, Governance Mechanisms, Operational, Legal Entity Rationalization, Insured Depository Institution Resolution, Derivatives and Trading.
+ Experience with a minimum of 1 year of the following:
+ Developing and advising points of view on balance sheet and financial risk management
+ Managing projects and/or client consultations in the Treasury domain
+ Balance sheet management and/or financial risk management and relevant SR letter knowledge
+ Leading large engagement teams and people development
+ Bachelor's degree
Compensation at Accenture varies depending on a wide array of factors, which may include but are not limited to the specific office location, role, skill set, and level of experience. As required by local law, Accenture provides a reasonable range of compensation for roles that may be hired in California, Colorado, District of Columbia, Illinois, Maryland, Minnesota, New Jersey, New York or Washington as set forth below. We accept applications on an on-going basis and there is no fixed deadline to apply.
Information on benefits is here. ( Location Annual Salary Range
California $132,500 to $02,400
Colorado 132,500 to 261,300
District of Columbia 141,100 to 278,200
Illinois 122,700 to 261,300
Minnesota 132,500 to 261,300
Maryland 122,700 to 241,900
New York/New Jersey 122,700 to 302,400
Washington 141,100 to 278,200
What We Believe
We have an unwavering commitment to diversity with the aim that every one of our people has a full sense of belonging within our organization. As a business imperative, every person at Accenture has the responsibility to create and sustain an inclusive environment.
Inclusion and diversity are fundamental to our culture and core values. Our rich diversity makes us more innovative and more creative, which helps us better serve our clients and our communities. Read more here ( Employment Opportunity Statement
Accenture is an Equal Opportunity Employer. We believe that no one should be discriminated against because of their differences, such as age, disability, ethnicity, gender, gender identity and expression, religion or sexual orientation.
All employment decisions shall be made without regard to age, race, creed, color, religion, sex, national origin, ancestry, disability status, veteran status, sexual orientation, gender identity or expression, genetic information, marital status, citizenship status or any other basis as protected by federal, state, or local law.
Accenture is committed to providing veteran employment opportunities to our service men and women.
For details, view a copy of the Accenture Equal Employment Opportunity and Affirmative Action Policy Statement ( .
Requesting An Accommodation
Accenture is committed to providing equal employment opportunities for persons with disabilities or religious observances, including reasonable accommodation when needed. If you are hired by Accenture and require accommodation to perform the essential functions of your role, you will be asked to participate in our reasonable accommodation process. Accommodations made to facilitate the recruiting process are not a guarantee of future or continued accommodations once hired.
If you would like to be considered for employment opportunities with Accenture and have accommodation needs for a disability or religious observance, please call us toll free at , send us an email ( or speak with your recruiter.
Other Employment Statements
Applicants for employment in the US must have work authorization that does not now or in the future require sponsorship of a visa for employment authorization in the United States.
Candidates who are currently employed by a client of Accenture or an affiliated Accenture business may not be eligible for consideration.
Job candidates will not be obligated to disclose sealed or expunged records of conviction or arrest as part of the hiring process.
The Company will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. Additionally, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the Company's legal duty to furnish information.

Our client is seeking a highly motivated and analytical Senior Financial Analyst to join their dynamic Risk Management team in the heart of Chicago, Illinois . This pivotal role will involve developing and implementing sophisticated financial models to assess and mitigate market, credit, and operational risks. You will be instrumental in providing crucial insights and recommendations to senior management, ensuring the firm's financial stability and strategic growth. Responsibilities include conducting in-depth financial analysis, stress testing portfolios, evaluating new financial products, and contributing to regulatory reporting. The ideal candidate will possess a strong understanding of financial markets, risk assessment methodologies, and quantitative analysis techniques. You will collaborate closely with traders, portfolio managers, and compliance officers to identify potential vulnerabilities and propose effective hedging strategies. Furthermore, you will play a key role in the continuous improvement of risk management frameworks and the adoption of best practices. This position offers a challenging yet rewarding environment where your expertise will directly impact the company's performance and resilience. The successful applicant will be adept at translating complex data into clear, actionable strategies. The role involves significant interaction with cross-functional teams, requiring excellent communication and interpersonal skills. We are looking for an individual with a proven track record in financial analysis and risk management, who is eager to contribute to a leading financial institution. The ability to work independently and as part of a team, coupled with a commitment to accuracy and detail, is essential. You will also be involved in data governance initiatives and ensuring the integrity of financial information used for risk calculations.
Qualifications:

• Bachelor's degree in Finance, Economics, Mathematics, or a related quantitative field. Master's degree or CFA designation is a plus.
• Minimum of 5 years of experience in financial analysis, risk management, or a similar quantitative role within the banking or investment industry.
• Proficiency in financial modeling, statistical analysis, and data visualization tools (e.g., Excel, Python, R, SQL).
• In-depth knowledge of financial instruments, derivatives, and regulatory frameworks (e.g., Basel III, Dodd-Frank).
• Excellent analytical, problem-solving, and critical-thinking skills.
• Strong communication and presentation skills, with the ability to articulate complex financial concepts to diverse audiences.
• Experience with risk management software and platforms is highly desirable.
• Ability to work effectively in a fast-paced, deadline-driven environment.

Our client is seeking a seasoned Senior Financial Risk Manager to lead their risk management functions. This role is crucial for identifying, assessing, and mitigating a wide range of financial risks, including market risk, credit risk, operational risk, and liquidity risk. You will be responsible for developing and implementing robust risk management frameworks, policies, and procedures to safeguard the organization's assets and reputation. The ideal candidate will possess extensive experience in financial risk management, a deep understanding of regulatory requirements (e.g., Basel Accords), and strong analytical and quantitative skills. Key responsibilities include conducting risk assessments, developing risk models, monitoring risk exposures, and reporting to senior management and regulatory bodies. You will lead a team of risk professionals, fostering a culture of risk awareness and compliance throughout the organization. This position requires excellent leadership, communication, and strategic thinking abilities. You will play a pivotal role in ensuring the financial stability and sustainability of the company. This role operates on a hybrid model, allowing for collaborative team work in the office and focused analytical tasks remotely.

Responsibilities:

• Develop and implement comprehensive enterprise-wide risk management frameworks.
• Identify, assess, and quantify financial risks across the organization.
• Design and validate risk models, including VaR, stress testing, and scenario analysis.
• Monitor risk exposures against established limits and appetite.
• Prepare and present risk reports to senior management, the board, and regulators.
• Lead and mentor a team of risk management professionals.
• Ensure compliance with relevant financial regulations and industry best practices.
• Develop and implement policies and procedures for risk mitigation.
• Oversee operational risk management initiatives.
• Contribute to strategic decision-making by providing insights on risk implications.

Qualifications:

• Master's degree in Finance, Economics, Mathematics, or a related field; MBA or CFA is a plus.
• 10+ years of progressive experience in financial risk management within a banking or financial institution.
• In-depth knowledge of various risk types (market, credit, operational, liquidity).
• Strong understanding of regulatory frameworks such as Basel III.
• Proficiency in risk modeling and quantitative techniques.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong leadership and team management abilities.
• Exceptional communication and interpersonal skills.
• Experience with risk management software and tools.

Financial Services Manager - Regulatory & Financial Risk
Our Deloitte Regulatory, Risk & Forensic team helps client leaders translate multifaceted risk and an evolving regulatory environment into defensible actions that strengthen, protect, and transform their organizations. Join our team and use advanced data, AI, and emerging technologies with industry insights to help clients bring clarity from complexity and accelerate their path to value creation.
Recruiting for this role ends on November 30, 2025
Work You'll Do
As a Manager, you will have opportunities to:
+ Learn how to identify, evaluate, and prioritize business, operational, regulatory, and technology risks as well as risk mitigation strategies for our clients
+ Understand the impact of key technology trends and workforce changes impacting our clients through engagement with innovative and emergent technologies, including cloud computing, big data and analytics, process automation, artificial intelligence / machine learning, and other digital strategies
+ Manage the development of client deliverables or for internal business needs
+ Serve on workstreams for complex projects, liaise with client counterparts, and actively participate in discussions on project management and work delivery needs
+ Manage project teams in providing recommendations to improve or transform processes to gain efficiencies or scale or reduce risk for our clients
+ Manage internal business development initiatives and sales opportunities, including the creation of external-facing industry perspectives, lead generation materials, or sales proposals
+ Produce quality work products independently and collectively with team members throughout development lifecycle from initial conception to implementation
+ Engage with industry participants on market trends, competitive activities, and topic-specific discussions impacting the industry, potentially including with clients, industry consortiums, or trade groups or committees
The Team
Our Regulatory & Financial Risk offering supports clients' regulatory and compliance needs, balancing risk and regulatory requirements with enhancing business value and optimizing outcomes. We deliver enhanced value through strategic transformation, end-to-end implementation, and a focus on business-as-usual sustainability across processes, controls, and data & analytic infrastructures.
Qualifications
Candidates will have exceptional records of professional achievement, experience working in a relevant financial services industry sector, and a demonstrated capacity and enthusiasm for self-paced development. Candidates will be expected to motivate others, build constructive relationships with clients and colleagues, and work both independently and as part of a team. Successful candidates will demonstrate an aptitude for complex problem-solving and analytical skills and the ability to communicate complex ideas clearly and persuasively across a variety of strategic, operational, technological, and risk management matters.
Required Qualifications
+ Bachelor's degree
+ 7+ years of experience working in the financial services or consulting industry related to one or more of the following Financial Services industries: consumer or corporate banking, investment banking or capital markets, investment management, wealth management, trust company, insurance provider, or related service provider
+ Strong relationship management skills, particularly the ability to build constructive and productive working relationships with clients and among Deloitte practitioners
+ Experience with business transformation, regulatory remediation or change management initiatives as a result of strategic, regulatory, risk-related, technological, or operational evolutions
+ Strong project / program management skills, particularly possessing a strong work ethic, a commitment to excellence in work product delivery, and the ability to independently manage multiple priorities and deadlines
+ Strong oral and written communication skills, including the ability to lead business proposal development and sales presentations
+ Knowledge of a range of financial services business models, products, and services particular to the applicable industry
+ Experience in banking, digital assets or capital markets
+ Ability to travel up to 50%, based on the work you do and the clients and industries/sectors you serve
+ Limited immigration sponsorship may be available
Preferred Qualifications
+ Experience with business transformation, regulatory remediation or change management initiatives as a result of strategic, regulatory, risk-related, technological, or operational evolutions
+ Direct working experience related to product management, regulatory compliance, risk management or controls oversight
+ Direct working experience at a financial services regulator (e.g., OCC, FRB)
+ Direct working experience developing bank licensing applications and their related business plans
+ Direct working experience using, implementing, or supporting systems related to any of the following topics: trading, operations, lending, core banking platforms, compliance monitoring, regulatory reporting, risk or case management, or data management
+ Direct working experience related to any of the following topics: process design, mapping, or development; workflow development; user acceptance testing; data mapping, management, migration, or visualization / analytics; system configuration and testing; status monitoring and issue resolution
+ Experience in translating risk requirements to user stories to drive new product and system launches
+ Advanced proficiency with Microsoft Office products, particularly Microsoft PowerPoint, Excel, and Visio
The wage range for this role takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs. The disclosed range estimate has not been adjusted for the applicable geographic differential associated with the location at which the position may be filled. At Deloitte, it is not typical for an individual to be hired at or near the top of the range for their role and compensation decisions are dependent on the facts and circumstances of each case. A reasonable estimate of the current range is $144,200-$265,600.
Information for applicants with a need for accommodation: om/us/en/pages/careers/articles/join-deloitte-assistance-for-disabled-applicants.html
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability or protected veteran status, or any other legally protected basis, in accordance with applicable law.
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability or protected veteran status, or any other legally protected basis, in accordance with applicable law.

USA - Consulting - Financial Services Risk Management - Intern - Summer 2026

CA-San Francisco, IL-Chicago, MA-Boston, NC-Charlotte, NY-New York, VA-McLean
apply
**___**
At EY, we're all in to shape your future with confidence.
We'll help you succeed in a globally connected powerhouse of diverse teams and take your career wherever you want it to go. Join EY and help to build a better working world.
**___**
**USA -**
**Consulting**
**-**
**Financial Services Risk Management**
**-**
**Intern**
**- Summer 2026**
**The opportunity**
At EY Consulting, we are building a better working world by transforming businesses through the power of people, technology, and innovation. Our clients are at the heart of what we do. We're focused on solving the key issues of our client buyers, building deeper relationships, and generating lasting value with significant impact.
Our firm sets the standard for consulting services, fostering an environment that encourages career ownership at every stage. As a part of our Financial Services Risk Management team, you'll be at the forefront of this dynamic service line, driving change and delivering solutions that revolutionize business operations. You'll help our clients in transformation and innovation efforts: driving growth, reducing costs, and managing risks proactively.
**Your key responsibilities**
FSRM (Financial Services Risk Management) gives our people a unique opportunity to gain practical knowledge of strategic risk management and related transformations across business and risk teams within Banking & Capital Markets, Insurance and Wealth & Asset Management sectors.
**We assist our clients by:**
+ Driving efficiency, effectiveness and balanced risk coverage across their governance, risk and compliance activities
+ Proactively identify, measure, and manage risks and effectively leverage new ideas and technologies in response to continuous change.
+ Partnering with data & analytics and technology teams to deliver strategic and innovative solutions in emerging domains (such as Cloud, Cyber, Climate/ ESG).
**Skills and attributes for success**
To qualify for the role, you must have
+ Currently pursuing a bachelor's degree in Finance, Business, Economics, Statistics, Accounting, Management, Computational/Quantitative Finance, Mathematics, Computer Science, Data Science, or a related field
+ Exceptional communication and interpersonal skills, ensuring clear and effective interactions with team members and clients.
+ Proven analytical and problem-solving abilities, coupled with a strong academic background in business and technology disciplines.
+ An inclusive mindset, where you seek out and embrace diverse perspectives, value differences, and team inclusively to build safety and trust.
+ Access to reliable transportation to/from the EY office and client sites. A driver's license is strongly recommended as ride share and public transportation options may not be available in all locations.
+ The ability and willingness to travel and work in excess of standard hours when necessary. In certain circumstances, travel may be required beyond your work location based on client and project needs.
**Ideally, you will have**
+ A purpose-driven and growth-oriented professional with a passion for learning, a collaborative mindset, and a proven ability to innovate, adapt, and leverage technology to drive meaningful change in dynamic business environments.
+ Proven analytical and problem-solving skills with a strong academic foundation in bus iness and/or technology and demonstrated ability to evaluate complex issues and develop effective solutions.
+ Knowledge of how to leverage firm-approved AI tools in a business setting, including Microsoft Copilot.
**___**
**What we offer you**
At EY, we'll develop you with future-focused skills and equip you with world-class experiences. We'll empower you in a flexible environment, and fuel you and your extraordinary talents in a diverse and inclusive culture of globally connected teams. Learn more .
+ The hourly pay range for this job, in the US, is $35.63 - $40.19 per hour. Individual salaries are based on education, geographic location, and alignment to the market data.
+ If you join EY full time after your internship, we offer a competitive compensation and benefits package where you'll be rewarded based on your performance and recognized for the value you bring to the business. In addition, our Total Rewards package for full time hires includes medical and dental coverage, pension and 401(k) plans, and a wide range of paid time off options.
+ Join us in our team-led and leader-enabled hybrid model. Our expectation is for most people in external, client serving roles to work together in person 40-60% of the time over the course of an engagement, project or year.
+ Under our flexible vacation policy, you'll decide how much vacation time you need based on your own personal circumstances. You'll also be granted time off for designated EY Paid Holidays, Winter/Summer breaks, Personal/Family Care, and other leaves of absence when needed to support your physical, financial, and emotional well-being
**We value your application**
- To make the most of your application experience,please limit yourself to two applications within a six-month period.
- Applications to EY are reviewed by a dedicated member of our early careers team.
- You may receive outreach from an EY Recruiter to discuss your application and interests.
**Are you ready to shape your future with confidence? Apply today.**
To learn more about our anticipated application deadlines, please visit thislink ( .
For those living in California, please click here for additional information.
EY focuses on high-ethical standards and integrity among its employees and expects all candidates to demonstrate these qualities.
**EY** | Building a better working world
EY is building a better working world by creating new value for clients, people, society and the planet, while building trust in capital markets.
Enabled by data, AI and advanced technology, EY teams help clients shape the future with confidence and develop answers for the most pressing issues of today and tomorrow.
EY teams work across a full spectrum of services in assurance, consulting, tax, strategy and transactions. Fueled by sector insights, a globally connected, multi-disciplinary network and diverse ecosystem partners, EY teams can provide services in more than 150 countries and territories.
EY provides equal employment opportunities to applicants and employees without regard to race, color, religion, age, sex, sexual orientation, gender identity/expression, pregnancy, genetic information, national origin, protected veteran status, disability status, or any other legally protected basis, including arrest and conviction records, in accordance with applicable law.
EY is committed to providing reasonable accommodation to qualified individuals with disabilities including veterans with disabilities. If you have a disability and either need assistance applying online or need to request an accommodation during any part of the application process, please call 1-800-EY-HELP3, select Option 2 for candidate related inquiries, then select Option 1 for candidate queries and finally select Option 2 for candidates with an inquiry which will route you to EY's Talent Shared Services Team (TSS) or email the TSS at .

**Specialty/Competency:** Financial Risk
**Industry/Sector:** Banking and Capital Markets
**Time Type:** Full time
**Travel Requirements:** Up to 60%
A career in our Balance Sheet Management practice, within Financial Risk and Regulatory services, will provide you with the opportunity to help business leaders embed a proactive and dynamic risk management capability and mind set into their corporate business practices. From strategy through to implementation, we help put in place people, processes and technology so they can leverage financial risk management to identify new opportunities and pursue success as smoothly, systematically and sustainably as possible in the face of changing markets, technologies and competition.
Our team provides our clients with gap assessments as well as design and implement processes to facilitate asset and liability management, funding and liquidity planning and stress testing, and capital management. You'll help build tools that enable our clients to efficiently utilise capital and liquidity resources, consistent with regulatory expectations.
To really stand out and make us fit for the future in a constantly changing world, each and every one of us at PwC needs to be a purpose-led and values-driven leader at every level. To help us achieve this we have the PwC Professional; our global leadership development framework. It gives us a single set of expectations across our lines, geographies and career paths, and provides transparency on the skills we need as individuals to be successful and progress in our careers, now and in the future.
As a Manager, you'll work as part of a team of problem solvers, helping to solve complex business issues from strategy to execution. PwC Professional skills and responsibilities for this management level include but are not limited to:
+ Develop new skills outside of comfort zone.
+ Act to resolve issues which prevent the team working effectively.
+ Coach others, recognise their strengths, and encourage them to take ownership of their personal development.
+ Analyse complex ideas or proposals and build a range of meaningful recommendations.
+ Use multiple sources of information including broader stakeholder views to develop solutions and recommendations.
+ Address sub-standard work or work that does not meet firm's/client's expectations.
+ Use data and insights to inform conclusions and support decision-making.
+ Develop a point of view on key global trends, and how they impact clients.
+ Manage a variety of viewpoints to build consensus and create positive outcomes for all parties.
+ Simplify complex messages, highlighting and summarising key points.
+ Uphold the firm's code of ethics and business conduct.
As a member of the Risk & Regulatory Advisory team, you will advise financial institutions on a broad range of credit risk management topics including organization and governance; credit process optimization; risk rating model design, build and implementation; credit regulatory assessments; and Current Expected Credit Losses (CECL) process and tools. You will work on a team evaluating, designing, and implementing credit risk strategies to support our clients in addressing key market challenges.
**Job Requirements and Preferences** :
**Basic Qualifications** :
**Minimum Degree Required** :
Bachelor Degree
**Minimum Years of Experience** :
6 year(s)
**Preferred Qualifications** :
**Degree Preferred** :
Master Degree
**Preferred Fields of Study** :
Business Administration/Management, Statistics, Mathematics, Finance, Economics, Accounting
**Preferred Knowledge/Skills** :
Demonstrates extensive-level abilities and/or a proven record of success in how to lead or facilitate relevant project management or client consultations in the areas of credit-related activities and credit risk management, preferably in some combination of the following areas:
+ Leading and/or playing a significant role in commercial and retail lending and credit process redesign initiatives, such as streamlining credit approval processes (including artificial intelligence), better aligning deal team execution and delivery to client segmentation schemes, implementing credit process redesign initiatives (e.g., target operating model for credit lifecycle), redesigning risk management organization or functional responsibilities, enhancing loan review processes, and/or enhancing loss mitigation/recovery processes;
+ Managing credit risk processes, performing underwriting, credit analysis and assigning risk ratings (e.g., single, and dual risk rating frameworks), writing and reviewing risk management policies and procedures, 1st and 2nd line of defense experience;
+ Developing, applying, and validating commercial and retail credit risk methodologies including obligor and facility risk rating (e.g., PD, LGD, EAD) models, pricing models, etc.;
+ Creating and executing design and application of commercial and retail credit risk reporting and analytics in a financial services organization;
+ Possessing knowledge of Allowance for Credit Losses, including methodology, models, and US GAAP requirements under Current Expected Credit Losses (CECL) and knowledge of IFRS 9;
+ Selecting, implementing and/or using commercial and retail credit risk workflow, analytic tools - e.g., Moody's, S&P, nCino, and/or, reporting technologies;
+ Demonstrating familiarity with commercial and retail credit regulatory guidance covering CECL, credit risk review systems, underwriting/annual reviews; and,
+ Possessing completion of a formal credit training program;
Demonstrates extensive-level abilities and/or a proven record of success with designing and implementing process improvement solutions, leveraging PC applications including MS Office (Word, Excel, Access, PowerPoint), where applicable, including:
+ Leveraging know-how of a wide range of commercial and retail loan types, including C&I, CRE, ABL, Leasing, Project Finance, Leveraged Lending, fund financing, etc.;
+ Operating successfully as both an individual contributor and team member, identifying and addressing client needs. Preparing, coordinating, and delivering complex written and verbal materials to clients and senior management (e.g., PPT presentations, summary reports/ memos, oral presentations);
+ Supervising teams to create a strong atmosphere of trust, seeking diverse views to encourage improvement and innovation, and coaching staff, including providing timely meaningful written and verbal feedback;
+ Identifying and addressing client needs by building and maintaining trust (e.g., client relationship management);
+ Considering cross-cultural differences, seeking diverse views to encourage improvement and innovation, and fostering a global mindset for the team;
+ Demonstrating experience in working with and managing on-shore and off-shore teams;
+ Demonstrating thorough ability to communicate project goals and objectives, project status and deliverables, building consensus and presenting standard industry practices/point of view effectively; and,
+ Keeping leadership informed of progress and issues.
Learn more about how we work: does not intend to hire experienced or entry level job seekers who will need, now or in the future, PwC sponsorship through the H-1B lottery, except as set forth within the following policy: PwC is an equal opportunity employer, all qualified applicants will receive consideration for employment at PwC without regard to race; color; religion; national origin; sex (including pregnancy, sexual orientation, and gender identity); age; disability; genetic information (including family medical history); veteran, marital, or citizenship status; or, any other status protected by law. 
For only those qualified applicants that are impacted by the Los Angeles County Fair Chance Ordinance for Employers, the Los Angeles' Fair Chance Initiative for Hiring Ordinance, the San Francisco Fair Chance Ordinance, San Diego County Fair Chance Ordinance, and the California Fair Chance Act, where applicable, arrest or conviction records will be considered for Employment in accordance with these laws. At PwC, we recognize that conviction records may have a direct, adverse, and negative relationship to responsibilities such as accessing sensitive company or customer information, handling proprietary assets, or collaborating closely with team members. We evaluate these factors thoughtfully to establish a secure and trusted workplace for all.
The salary range for this position is: $99,000 - $232,000, plus individuals may be eligible for an annual discretionary bonus. For roles that are based in Maryland, this is the listed salary range for this position. Actual compensation within the range will be dependent upon the individual's skills, experience, qualifications and location, and applicable employment laws. PwC offers a wide range of benefits, including medical, dental, vision, 401k, holiday pay, vacation, personal and family sick leave, and more. To view our benefits at a glance, please visit the following link:

**Specialty/Competency:** Financial Risk
**Industry/Sector:** Banking and Capital Markets
**Time Type:** Full time
**Travel Requirements:** Up to 60%
At PwC, our people in risk and compliance focus on maintaining regulatory compliance and managing risks for clients, providing advice, and solutions. They help organisations navigate complex regulatory landscapes and enhance their internal controls to mitigate risks effectively.
In treasury risk management at PwC, you will focus on assessing and mitigating financial risks for clients, assisting in effective cash management and liquidity, and optimising capital allocation strategies. You will provide advice in risk analysis, hedging strategies, and regulatory compliance to help clients navigate the complexities of treasury operations.
Growing as a strategic advisor, you leverage your influence, expertise, and network to deliver quality results. You motivate and coach others, coming together to solve complex problems. As you increase in autonomy, you apply sound judgment, recognising when to take action and when to escalate. You are expected to solve through complexity, ask thoughtful questions, and clearly communicate how things fit together. Your ability to develop and sustain high performing, diverse, and inclusive teams, and your commitment to excellence, contributes to the success of our Firm.
Examples of the skills, knowledge, and experiences you need to lead and deliver value at this level include but are not limited to:
+ Craft and convey clear, impactful and engaging messages that tell a holistic story.
+ Apply systems thinking to identify underlying problems and/or opportunities.
+ Validate outcomes with clients, share alternative perspectives, and act on client feedback.
+ Direct the team through complexity, demonstrating composure through ambiguous, challenging and uncertain situations.
+ Deepen and evolve your expertise with a focus on staying relevant.
+ Initiate open and honest coaching conversations at all levels.
+ Make difficult decisions and take action to resolve issues hindering team effectiveness.
+ Model and reinforce professional and technical standards (e.g. refer to specific PwC tax and audit guidance), the Firm's code of conduct, and independence requirements.
As a member of the Risk & Regulatory Advisory team, you will advise financial institutions on a broad range of credit risk management topics including organization and governance; credit process optimization; risk rating model design, build and implementation; credit regulatory assessments; and Current Expected Credit Losses (CECL) process and tools. You will work on a team evaluating, designing, and implementing credit risk strategies to support our clients in addressing key market challenges.
**Job Requirements and Preferences** :
**Basic Qualifications** :
**Minimum Degree Required** :
Bachelor Degree
**Minimum Years of Experience** :
8 year(s)
**Preferred Qualifications** :
**Degree Preferred** :
Master Degree
**Preferred Fields of Study** :
Business Administration/Management, Statistics, Mathematics, Finance, Economics, Accounting
**Preferred Knowledge/Skills** :
Demonstrates extensive-level abilities and/or a proven record of success in how to lead or facilitate relevant project management or client consultations in the areas of credit-related activities and credit risk management, preferably in some combination of the following areas:
+ Leading and/or playing a significant role in commercial and retail lending and credit process redesign initiatives, such as streamlining credit approval processes (including artificial intelligence), better aligning deal team execution and delivery to client segmentation schemes, implementing credit process redesign initiatives (e.g., target operating model for credit lifecycle), redesigning risk management organization or functional responsibilities, enhancing loan review processes, and/or enhancing loss mitigation/recovery processes;
+ Managing credit risk processes, performing underwriting, credit analysis and assigning risk ratings (e.g., single, and dual risk rating frameworks), writing and reviewing risk management policies and procedures, 1st and 2nd line of defense experience;
+ Developing, applying, and validating commercial and retail credit risk methodologies including obligor and facility risk rating (e.g., PD, LGD, EAD) models, pricing models, etc.;
+ Creating and executing design and application of commercial and retail credit risk reporting and analytics in a financial services organization;
+ Possessing knowledge of Allowance for Credit Losses, including methodology, models, and US GAAP requirements under Current Expected Credit Losses (CECL) and knowledge of IFRS 9;
+ Selecting, implementing and/or using commercial and retail credit risk workflow, analytic tools - e.g., Moody's, S&P, nCino, and/or, reporting technologies;
+ Demonstrating familiarity with commercial and retail credit regulatory guidance covering CECL, credit risk review systems, underwriting/annual reviews; and,
+ Possessing completion of a formal credit training program;
Demonstrates extensive-level abilities and/or a proven record of success with designing and implementing process improvement solutions, leveraging PC applications including MS Office (Word, Excel, Access, PowerPoint), where applicable, including:
+ Leveraging know-how of a wide range of commercial and retail loan types, including C&I, CRE, ABL, Leasing, Project Finance, Leveraged Lending, fund financing, etc.;
+ Operating successfully as both an individual contributor and team member, identifying and addressing client needs. Preparing, coordinating, and delivering complex written and verbal materials to clients and senior management (e.g., PPT presentations, summary reports/ memos, oral presentations);
+ Supervising teams to create a strong atmosphere of trust, seeking diverse views to encourage improvement and innovation, and coaching staff, including providing timely meaningful written and verbal feedback;
+ Identifying and addressing client needs by building and maintaining trust (e.g., client relationship management);
+ Considering cross-cultural differences, seeking diverse views to encourage improvement and innovation, and fostering a global mindset for the team;
+ Demonstrating experience in working with and managing on-shore and off-shore teams;
+ Demonstrating thorough ability to communicate project goals and objectives, project status and deliverables, building consensus and presenting standard industry practices/point of view effectively; and,
+ Keeping leadership informed of progress and issues.
Learn more about how we work: does not intend to hire experienced or entry level job seekers who will need, now or in the future, PwC sponsorship through the H-1B lottery, except as set forth within the following policy: PwC is an equal opportunity employer, all qualified applicants will receive consideration for employment at PwC without regard to race; color; religion; national origin; sex (including pregnancy, sexual orientation, and gender identity); age; disability; genetic information (including family medical history); veteran, marital, or citizenship status; or, any other status protected by law. 
For only those qualified applicants that are impacted by the Los Angeles County Fair Chance Ordinance for Employers, the Los Angeles' Fair Chance Initiative for Hiring Ordinance, the San Francisco Fair Chance Ordinance, San Diego County Fair Chance Ordinance, and the California Fair Chance Act, where applicable, arrest or conviction records will be considered for Employment in accordance with these laws. At PwC, we recognize that conviction records may have a direct, adverse, and negative relationship to responsibilities such as accessing sensitive company or customer information, handling proprietary assets, or collaborating closely with team members. We evaluate these factors thoughtfully to establish a secure and trusted workplace for all.
The salary range for this position is: $124,000 - $280,000, plus individuals may be eligible for an annual discretionary bonus. For roles that are based in Maryland, this is the listed salary range for this position. Actual compensation within the range will be dependent upon the individual's skills, experience, qualifications and location, and applicable employment laws. PwC offers a wide range of benefits, including medical, dental, vision, 401k, holiday pay, vacation, personal and family sick leave, and more. To view our benefits at a glance, please visit the following link: