Risk Manager – Credit and Debit Cards

Risk Manager providing regulatory guidance on credit/debit card compliance at U.S. Bank.

Posted 6/25/2026full-timeMinneapolis • Arizona, Minnesota, North Carolina, Ohio • 🇺🇸 United StatesSeniorLead💰 $119,765 - $140,900 per yearWebsite

Key responsibilities & impact

Partners with leaders and Compliance colleagues in their assigned Line of Business Risk Managers across all regulatory disciplines, and Law Division personnel to provide regulatory guidance and credible challenge for the successful creation, implementation, and maintenance of an effective risk management framework.
Act as trusted advisor to Business Line (BL) first line of Defense (1LoD) and Chief Risk Office (CRO) colleagues for projects and/or activities that ensure compliance with applicable federal, state, and local laws and regulations.
Facilitate the identification of gaps and drive solutions that minimize losses resulting from inadequate internal processes, systems, or human errors.
Ensure the active identification, documentation and challenge or escalation of risks and their controls as appropriate.
May influence policies and procedures to maximize profit potential and minimize regulatory exposure.
Accountable for an effective partnership with 1LoD/CRO teams and with Risk Managers across other product and regulatory disciplines.

What you’ll need

Bachelor's degree, or equivalent work experience
Typically, more than eight years of applicable experience
Advanced understanding of the credit/debit card risk and control framework
Regulatory expertise in the following regulations: Can-Spam, TCPA, FCRA, ECOA, UDAP/UDAAP, Reg Z, Reg E, and Reg II.
Advanced knowledge of applicable laws, regulations, financial services, and regulatory trends that impact credit and debit cards
Advanced understanding of the business line’s operations, products/services, and systems
Thorough knowledge of Risk/Compliance/Audit competencies
Strong leadership and management skills of processes, projects and people
Strong written and verbal communication skills
Strong analytical, problem-solving and negotiation skills; comfortable presenting and defending regulatory guidance, even when it challenges the status quo
Proficient computer skills, especially Microsoft Office applications
Certified Regulatory and Compliance Manager (CRCM)

Comp & perks

Healthcare (medical, dental, vision)
Basic term and optional term life insurance
Short-term and long-term disability
Pregnancy disability and parental leave
401(k) and employer-funded retirement plan
Paid vacation (from two to five weeks depending on salary grade and tenure)
Up to 11 paid holiday opportunities
Adoption assistance
Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit/debit card risk and control frameworkregulatory expertiseCan-SpamTCPAFCRAECOAUDAP/UDAAPReg ZReg EReg II

Soft Skills

leadershipmanagementwritten communicationverbal communicationanalytical skillsproblem-solving skillsnegotiation skillspresentation skills

Certifications

Certified Regulatory and Compliance Manager (CRCM)