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Wells Fargo Senior Credit Risk Officer - Fraud Strategies in CHARLOTTE, North Carolina

About this role:

Wells Fargo is seeking a Senior Lead Credit Risk Officer to be the key 'go-to' analytic resource for Branded and Co-brand Credit Card fraud team, managing credit abuse fraud and payment risk strategies to lower losses and enables superior customer experience. This position is a very critical role in the fraud originations team with concrete defined business goals.

In this role, you will:

  • Evaluate the quality or effectiveness of current credit abuse strategies and credibly challenge business stakeholders

  • Determine appropriate strategy and actions of fraud team to meet business deliverables

  • Conduct timely research by applying critical thinking, data analysis and innovation to identify priorities and provide insights into key business questions

  • Leverage analytical tools such as SAS and SQL to solve complex business problems; and create automated routines to proactively detect data drifts and performance migrations

  • Assess channel performance, criteria change and risk concentration impacts and provide recommendations to prevent risk, improve controls and drive compliance

  • Enhance credit abuse risk reporting/monitoring, and proactively identify emerging trends and concerns with both credit risk and operational risk

  • Be an insightful story-teller and write powerful presentations that provide sharp understanding of key issues/concepts and enable stakeholders to draw meaningful conclusions and make informed decisions

  • Advise senior leadership to develop and implement strategies, programs and policies with a direct and significant impact on credit risk appetite

  • Collaborate and influence others (peers, colleagues, managers) to work successfully together and deliver results

  • Be a conduit to Senior management on the direction and success of card acquisitions

  • Interact directly with cross channel business leaders and Audit, Legal and Compliance on risk related topics

Required Qualifications, US:

  • 7+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

  • 5+ years SAS or SQL risk programming experience

Desired Qualifications:

  • Experience with credit card risk management

  • Ability to collaborate with others

  • Experience in Fraud Risk and risk modeling is a plus

  • Excellent written and verbal communication skills

  • Proficient in Excel (use of pivot tables) and Power Point

  • Experience presenting to Senior Managers and Regulators a plus

  • Experience with large relational databases and merging/joining logic

Job Expectations:

Ability to work at one of the approved locations in the job posting

  • Charlotte, NC

  • Minneapolis, MN

  • West Des Moines, IA

  • Dallas, TX

  • Tempe, AZ

  • Wilmington, DE

Preferred location(s) listed. Other locations within the Wells Fargo footprint may be considered for current Wells Fargo Corporate Risk employees.

This position offers a hybrid work schedule.

We Value Diversity

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in US: All qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.


Req Number: R-256421-1

Updated: Thu Mar 16 00:00:00 UTC 2023

Location: CHARLOTTE,North Carolina