Director – Operational Risk Management

LendingClub

. Lead and expand the second line enterprise non-technology operational risk program .

Posted 11/11/2026full-timeUnited StatesLead💰 $150,000 - $230,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive experience in operational risk management, including the development and execution of risk frameworks, oversight of data governance, and the ability to translate regulatory expectations into practical standards. Proven ability to lead teams, build mature risk programs, and communicate effectively with stakeholders at all levels.

Highest-signal resume keywords

Operational Risk ManagementRisk Framework DevelopmentData Governance OversightRegulatory Compliance ExpertisePayments Risk Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Operational Risk FrameworksRisk Appetite StatementsKey Risk Indicators (KRIs)Scenario AnalysisProcess DocumentationControl DesignControl TestingAI Applications in RiskPayment Systems KnowledgeRoot Cause Analysis

Soft Skills

Exceptional Communication SkillsRelationship ManagementEvidence-Based ChallengeStrategic ThinkingTeam Leadership

Tools & Technologies

GRC ToolingData Governance ToolsRisk Reporting SystemsAI Monitoring Tools

Certifications & Qualifications

CRCMCRISCCDMPCIAPRMCFEAPRPAAP

Industry Keywords

Operational RiskEnterprise RiskRegulated Financial InstitutionBCBS 239Consumer Lending OperationsDeposits OversightPayments ChannelsOCC Heightened Standards

Tech Stack

Tools & technologies

Ruby on Rails

About the role

Key responsibilities & impact

Lead and expand the second line enterprise non-technology operational risk program
Build and execute a multi-year roadmap based on existing frameworks and policies
Mature the operational risk taxonomy, risk appetite statements, limits, thresholds, KRIs, and risk reporting
Report risk profile, top risks, and breaches to the Compliance and Operational Risk Committee and Board
Develop process and execution risk frameworks and minimum standards for process documentation, control design, and control testing
Lead independent thematic reviews to identify systemic weaknesses
Expand second line data risk oversight across data governance, quality, lineage, records management, and end-user computing
Challenge first line data practices against policy and expectations, including BCBS 239
Build and operationalize second line payments risk oversight across ACH, wires, FedNow, remote deposit, and other payment channels
Establish payments risk standards and KRIs and review new payment rails and material changes
Extend independent oversight to Deposits, Personal Loans, and additional products
Challenge new products, process changes, issue remediation, and control design and performance
Strengthen operational loss event capture, root cause analysis, and scenario analysis
Use RCSA results, GRC tooling, and AI to improve monitoring, analysis, and reporting
Partner with third-party risk, resiliency, fraud, and technology/cyber risk owners to align taxonomies and deliver integrated reporting
Serve as the primary second line contact for operational risk

Requirements

What you’ll need

10+ years of experience in operational risk, enterprise risk, or independent risk oversight at a regulated financial institution
Bachelor's degree or higher, or equivalent combination of education and work experience
Experience leading and scaling a second line risk function, including hiring, setting direction, and accountability for outcomes
Strong knowledge of operational risk frameworks, including risk appetite, KRIs, loss events, and scenario analysis
Ability to translate Basel and US regulatory expectations into practical standards
Second line experience in data risk or data governance
Working knowledge of payment systems and their risks
Experience in deposits, payments, or consumer lending operations or oversight
Ability to challenge first line with evidence and credibility while maintaining constructive relationships
Ability to build mature programs with clear priorities, milestones, and measurable outcomes
Exceptional communication skills with Executives and examiners
Ability to translate complex risk data into plain findings and decisions
Understanding of practical AI applications, AI-related risk surfaces, and evolving regulatory guidance on AI in financial services
Background at a bank subject to OCC Heightened Standards, or one growing toward them (nice to have)
Certifications such as CRCM, CRISC, CDMP, CIA, PRM, CFE, APRP, or AAP (nice to have)
Flexible working across time zones when necessary
As needed travel to Happen Bank offices and/or other locations

Benefits

Comp & perks

Long-term awards (equity)
Annual bonus based on company performance, employee performance and eligible earnings
Medical, dental and vision plans for employees and their families
401(k) match
Health and wellness programs
Flexible time off policies for salaried employees
Up to 16 weeks paid parental leave
Relocation based on actual job level
Hybrid work model with in-office Tuesdays, Wednesdays, and Thursdays
Reasonable accommodations for qualified individuals with disabilities
Opportunity to opt out of interview recording, transcription, and summarization