Job Description

Your Opportunity

At Schwab, effective risk management enables growth. Our BTS Governance, Risk and Oversight team partners with business leaders to deliver scalable, well-governed solutions that support critical business objectives while maintaining client trust and regulatory compliance.

As Sr. Manager, Risk Consultant, you will support the execution of risk management activities for Banking & Trust Services products and processes. In this individual contributor role, you will serve as a trusted advisor to business leaders and partner across first-line, second-line, and third-line of defense stakeholders to strengthen the risk and control environment, drive accountability, and enable informed business decision-making.

What You’ll Do

Using your risk management expertise and understanding of cash products and platforms, you will:

• Lead the execution of core risk management activities, including risk and control self-assessments (RCSA), issue management, and risk metrics.
• Serve as a trusted advisor to business leaders by providing risk-based guidance that supports strategic objectives while maintaining a strong control environment.
• Partner with business, technology, compliance, legal and risk stakeholders to identify key risks, evaluate control effectiveness, and drive remediation of control gaps.
• Lead risk assessments and facilitate risk management activities across multiple products, processes or business functions.
• Translate enterprise risk framework requirements, regulatory expectations and policy/standard requirements into practical, actionable guidance for the business.
• Analyze key risk indicators, business metrics, issues and trends to identify emerging concerns and recommend actions that improve business outcomes.
• Drive effective issue identification, escalation, remediation, and validation activities while ensuring sustainable solutions are implemented.
• Support regulatory examinations, audits, risk reviews, and other oversight activities by coordinating responses, preparing materials, and managing remediation efforts.
• Lead or contribute to strategic initiatives, business transformations, and new product or service activities by providing risk expertise throughout planning and execution.
• Develop and enhance risk management processes, procedures, and tools to improve effectiveness, consistency, and operational efficiency.
• Communicate complex risk issues, recommendations, and outcomes to leadership audiences in a clear, concise, and actionable manner.

What you have

Required Qualifications:

• 6+ years of experience in risk management, banking, financial services, audit, compliance, operational risk, or a related discipline.
• Strong knowledge of risk management frameworks, governance practices, control design, issue management, and banking or financial regulatory expectations.
• Experience leading cross-functional initiatives and influencing decisions across business, technology, and control functions.
• Demonstrated ability to assess complex risks, analyze data, and develop practical solutions to business and control challenges.
• Experience preparing and presenting risk-related information to leadership audiences.
• Strong project management, organizational, and problem-solving skills.
• Excellent verbal and written communication skills with the ability to simplify complex concepts for diverse audiences.
• Bachelor's degree required.

Preferred Qualifications

• Experience supporting regulatory examinations, internal audits, or enterprise risk programs.
• Advanced knowledge of risk assessment methodologies, control testing, issue management, and risk reporting.
• Experience leading large-scale initiatives, or enterprise-wide risk management activities.
• Banking/financial services industry experience preferred.
• Relevant professional certification (e.g., CRCM, CIA, FRM, PMP) is a plus.