Senior Lead Enterprise Risk Officer – Retail Services

Wells Fargo

. Provide independent oversight, challenge, and credible risk management guidance across unsecured products and enterprise risk activities .

Posted 9/21/2026full-timeUnited StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates extensive experience in Risk Management, including Compliance, Financial Crimes, and Operational Risk, while leveraging strong programming skills in Python, SAS, or SQL for data analysis. Capable of influencing senior leadership and driving enterprise-wide risk management outcomes through effective governance and strategic decision-making.

Highest-signal resume keywords

Risk Management ExperienceProgramming Skills in Python, SAS, SQLStatistical Analysis and Machine LearningUnderstanding of Risk Frameworks and ControlsAnalytical and Problem-Solving Skills

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Risk ManagementProgramming in PythonProgramming in SASProgramming in SQLStatistical AnalysisMachine Learning TechniquesData Mining TechniquesBusiness AnalyticsDecision Engine StrategiesUnderstanding of P&L Drivers

Soft Skills

Excellent Communication SkillsAnalytical ThinkingProblem-SolvingCollaborationMentoring

Industry Keywords

Enterprise RiskGovernanceRegulatory ExpectationsRisk FrameworkCredit RiskMarket RiskOperational RiskComplianceData AnalyticsStakeholder Influence

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Provide independent oversight, challenge, and credible risk management guidance across unsecured products and enterprise risk activities
Advise senior leadership on enterprise risk, governance, reporting programs, strategic priorities, and long-term business objectives
Oversee large-scale, complex, cross-functional risk, governance, and reporting initiatives
Ensure adherence to the Risk Management Framework, company policies, regulatory expectations, and Code of Conduct
Partner with business leaders, Audit, Legal, regulators, and other stakeholders to resolve risk issues and drive sustainable solutions
Deliver risk insights and reporting to executive management, committees, and the Board of Directors
Provide direction and expertise on governance, policy implementation, enterprise initiatives, and organizational effectiveness
Lead, mentor, and develop teams through collaboration, feedback, training, and accountability
Use data, analytics, and critical thinking to identify risks, solve complex problems, and develop long-term solutions
Promote integrity, inclusion, respectful challenge, continuous improvement, and high-performance standards
Demonstrate accountability and urgency in delivering commitments, resolving issues, and simplifying processes while maintaining risk controls
Influence stakeholders across the organization to align priorities and drive enterprise-wide risk management outcomes

Requirements

What you’ll need

7+ years of Risk Management experience (Compliance, Financial Crimes, Operational Risk, Audit, Legal, Credit Risk, Market Risk, IT Systems Security, Business Process Management) or equivalent demonstrated through work experience, training, military experience, or education
5+ years of strong programming skills in Python, SAS, or SQL with hands-on experience handling large datasets
5+ years of statistical analysis and understanding of machine learning techniques
Experience managing originations/account management decision engine strategies
Understanding of P&L drivers for credit card and other unsecured lending products
Knowledge of databases and data mining techniques
Deep understanding of risk frameworks, controls, and regulatory expectations
Ability to challenge business decisions and influence senior leaders
Capability to leverage data, identify emerging risks, and drive risk-informed decision-making
Hands-on experience in business analytics and strategy recommendation
Strong analytical and problem-solving skills
Excellent verbal, written, and interpersonal communication skills
Must work at one of the required locations: Charlotte, North Carolina; Wilmington, Delaware; Irving, Texas; or West Des Moines, Iowa
Position is not eligible for visa sponsorship

Benefits

Comp & perks

Relocation assistance is not available for this position
Not eligible for VISA sponsorship
Equal opportunity employment
Medical accommodation available upon request
Drug-free workplace