Director, Business Unit Risk Oversight

EEOC

. Serve as the operational risk lead for the Certos Identity & Payment Risk portfolio, including identity verification, account validation, fraud scoring, and payment screening capabilities.

Posted 5/5/2026full-timeNew York City • Arizona, California, Illinois, New York • 🇺🇸 United StatesLead💰 $154,000 - $232,000 per yearWebsite

About the role

Key responsibilities & impact

Serve as the operational risk lead for the Certos Identity & Payment Risk portfolio, including identity verification, account validation, fraud scoring, and payment screening capabilities.
Oversee and challenge risks across key activities, including: Identity verification and synthetic identity detection, New account and first-party fraud risk scoring, Payment screening and funds availability decisioning, Account validation and identity theft monitoring.
Provide independent oversight of risks related to the National Shared Database, including data usage, participant access, and adherence to permitted use cases.
Lead second-line oversight activities, including: Risk and control assessments (RCSAs), Product and use case risk reviews, Issue management and validation.
Monitor and assess key risk themes, including: Fraud (e.g., account abuse, payment fraud, synthetic identity), Data and privacy risk, Model risk, Third-party and participant risk, Operational resiliency.
Use data and reporting to identify trends, emerging risks, and control gaps to inform data-driven and fact-based risk analysis.
Provide guidance and training to business partners on operational risk expectations and frameworks.
Build and maintain relationships with business partners while adhering to the highest ethical standards required for independent risk oversight.
Challenge and guide senior business management and functional leaders in compliance, technology risk, and legal on operational risk matters.

Requirements

What you’ll need

Education and/or experience typically obtained through completion of a bachelor’s degree in risk management, Computer Science, Information Systems, Business Administration, Finance, Accounting or related field
Minimum of 12+ years of operational risk management experience, preferably in financial services or other highly regulated industries
Strong understanding of operational risk programs (i.e., RCSA, Risk Events, Issue Management, Key Indicators) and risk domains (e.g., product and service delivery, process management, business disruption, third-party, fraud, and data)
Possesses sound judgment, curiosity, and strong attention to detail and efficiency
Team-oriented with strong interpersonal skills
Proven leader with at least 5 years in a leadership role with direct people responsibility or equivalent project leadership experience
Excellent presentation and communication skills to synthesize and present risk issues clearly and persuasively and respond effectively to senior stakeholders
Ability to drive sustainable change, influence and uphold standards
Background and drug screen
Preferred Qualifications: Master’s degree in a relevant field, prior financial institution experience, prior experience in independent risk management conducting risk oversight, risk management, internal control, or internal audit certification(s), experience with data-driven products, fraud risk, or identity/payment risk solutions preferred, strong understanding of operational risk domains as applied to identity verification, payment processing, fraud detection, and data-sharing ecosystems, experience with data-driven products, scoring models, and decisioning systems (e.g., fraud scores, account risk scores).

Benefits

Comp & perks

Healthcare Coverage – Competitive medical (PPO/HDHP), dental, and vision plans as well as company contributions to your Health Savings Account (HSA) or pre-tax savings through flexible spending accounts (FSA) for commuting, health & dependent care expenses.
401(k) Retirement Plan – Featuring a 100% Company Safe Harbor Match on your first 6% deferral immediately upon eligibility.
Paid Time Off – Flexible Time Off for Exempt (salaried) employees, as well as generous PTO for Non-Exempt (hourly) employees, plus 11 paid company holidays and a paid volunteer day.
12 weeks of Paid Parental Leave
Maven Family Planning – provides support through your Parenting journey including egg freezing, fertility, adoption, surrogacy, pregnancy, postpartum, early pediatrics, and returning to work.
And SO much more! We continue to enhance our program, so be sure to check our Benefits page here for the latest.

ATS Keywords

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Hard Skills & Tools

operational risk managementrisk and control assessmentsfraud scoringidentity verificationaccount validationpayment screeningdata-driven productsscoring modelsdecisioning systemssynthetic identity detection

Soft Skills

strong attention to detailinterpersonal skillsleadershippresentation skillscommunication skillscuriosityteam-orientedability to drive changeinfluenceethical standards

Certifications

internal control certificationinternal audit certification