Business Risk & Control Officer

Posted Yesterday
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Hiring Remotely in FL, USA
Remote
Senior level
Fintech • Software • Financial Services
The Role
Lead and implement risk and control frameworks across consumer and small business lines. Design risk assessments, RCSA, control testing, KRI tracking, issue management, regulatory exam deliverables, TPRM coordination, and remediation with stakeholders to ensure BSA/AML/OFAC and regulatory compliance.
Summary Generated by Built In

JOB SUMMARY:

The Business Risk and Control Officer is responsible for creating vision and defining strategy to ensure effective risk management across multiple disciplines for the supported organization at Seacoast Banking Corporation of Florida. The Business Risk and Control Officer will report to the Director of Consumer and Small Business Risk Management, working closely with Enterprise Risk Management, collaborating with other Line of Business Leaders and key stakeholders to advance the company control framework for sustaining risk management and policy compliance, supporting the management and enhancement of existing platforms and processes.


This role will also collaborate with the internal and external stakeholders to assess and mitigate risk, ensure proper compliance, and assist in improving policy/procedures. The Business Risk and Control Officer will drive key initiatives and lead special projects, issues management, and prepare documentation for/participate in regulatory exams. The importance and scope of the role, requires consistently gaining the confidence and trust of others through honesty, integrity, and authenticity. The job offers high visibility throughout the company.


ESSENTIAL DUTIES AND RESPONSIBILITIES: 

 Foster a culture of risk and compliance, promoting values and knowledge of prudent risk taking; identify and foster new business opportunities that align with risk appetite.
Build strong cross-functional collaboration and relationship management with key stakeholders across Three Lines: lines of business (LoB), Regulatory and BSA Compliance, Enterprise Risk Management (ERM), various risk functions including but not limited to TPRM, Operational and Information Security Risks, and Internal Audit.
 
Demonstrate an ability to recognize risk and drive change within business or function.
 
Play a leadership role and actively contribute to M&A risk mitigation and integration.
 
Design and build a sustainable risk assessment process, prioritizing based on feedback from experiential data, Quality Control monitoring results, and industry knowledge.
 
Understand and identify regulatory/compliance requirements for banks, document applicable regulations and controls, review existing procedures for potential gaps and revise procedures/processes to ensure compliance.
 
Define self-monitoring activities as part of the First Line and or Second Line for regulations associated to ensure compliance with related BSA and other key banking regulations.
 
Identify patterns of non-compliance with policies, procedures, and/or regulations, investigate root cause, and propose and implement cost-effective solutions for remediation.
 
Demonstrate a strong understanding of the enterprise risk and necessary controls/interactions between dependent processes to minimize failures and achieve efficient and effective workflows.
 
Expertise in operational and reputation risk from an industry perspective
 
Contribute and participate in Risk and Control Self-Assessment (RCSA); report findings, trends, insights and recommendations for improvements.
 
Assist with design, execution, and documentation of a control testing program to assess existing gaps and effectiveness of controls.
 
Coordinate self-reporting of issues and management of the issues process for their supported areas on the GRC platform.
 
Coordinate risk management activities for operational risk including, but not limited to, fraud risk.
 
Collaborate with ERM to implement stakeholder reporting including the development, tracking, and reporting of Key Risk Indicators (KRI), and drive and or implement actions in response to deviations and negative trends.
 
Develop and report QA metrics such as Key Performance Indicators (KPIs) to measure success.
 
Evaluate existing and develop new processes and procedures in cooperation with QA team and Second Line functions to ensure adherence to all applicable laws, regulations and internal Seacoast guidance and templates.
 
Collaborate with Regulatory Compliance, Internal Audit, and other stakeholders to address control gaps, develop corrective actions and remediate issues noted during Second- and Third-Line monitoring.
 
Lead and/or participate in risk analysis of new systems, products, and service offerings to effectively scale business and support effective risk management activities.
 
Coordinate organization efforts around Third-Party Risk Management (TPRM) processes, and actively collaborate with the Second Line.
 
Drive preparation and coordination of deliverables for regulatory exams.
 
Drives CI based enhancements based on risk assessments and related work.
 
Advance and maintain controls that sustain compliance with the company’s BSA/AML/OFAC program, adhere to control procedures and policy requirements, dual control, information security, business continuity, and all other regulated banking requirements.
 
GRC software, certifications, Regulatory/industry experience knowledge.
 
Adhere to Seacoast Bank’s Code of Conduct.

EDUCATION and/or EXPERIENCE:

College degree (B.S. or B.A. or similar) required.
 
Advanced degree (M.S. or M.B.A. or similar) preferred.
 
Proven track record in building internal relationships, bridging alliances, and driving change across lines of business.
 
Excellent written and verbal communication skills, report-writing skills.
 
Analytical skills, problem-solving, root cause analysis, QA methodology experience.
 
Excellent time management skills.
 
Experience leading a team, managing assignments and priorities.
 
8-12+ years’ experience in banking and/or risk management, or audit experience with emphasis on related compliance issues and regulations are required.
 
Mid-size bank ($13-$20 billion in assets) or larger bank experience required.
 
Familiarity with various banking Management Information Systems (MSI) and applications.
 
Experience in using Governance, risk, and compliance (GRC) automated tools preferred.
 
Intermediate knowledge of BSA (CIP/CDD/EDD) and OFAC requirements.
 
Intermediate knowledge of risk management processes including risk assessment, KRIs, and issue management.
 
Working knowledge of key ERM frameworks (COSO, ISO).

 

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

Skills Required

  • Bachelor's degree (B.S. or B.A.)
  • Advanced degree (M.S. or MBA)
  • 8-12+ years experience in banking, risk management, or audit
  • Experience at a mid-size bank ($13-$20B) or larger
  • Proven ability to build internal relationships and drive cross-functional change
  • Excellent written and verbal communication and report-writing skills
  • Analytical skills, problem-solving, root cause analysis, QA methodology experience
  • Experience leading a team and managing priorities
  • Familiarity with banking Management Information Systems (MSI) and applications
  • Experience using Governance, Risk, and Compliance (GRC) automated tools
  • Intermediate knowledge of BSA (CIP/CDD/EDD) and OFAC requirements
  • Intermediate knowledge of risk management processes including risk assessment, KRIs, and issue management
  • Working knowledge of ERM frameworks (COSO, ISO)
  • Experience with RCSA, control testing, and preparing documentation for regulatory exams
  • Relevant industry or regulatory certifications

Seacoast Bank Compensation & Benefits Highlights

The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Seacoast Bank and has not been reviewed or approved by Seacoast Bank.

  • Leave & Time Off Breadth Paid holidays, vacation/PTO, and sick leave are part of the package, with bank holidays providing additional time off beyond standard PTO.
  • Retirement Support A 401(k) with company match and profit sharing are offered, alongside an active employee stock purchase plan that broadens long‑term wealth‑building options.
  • Wellbeing & Lifestyle Benefits Medical, dental, vision, wellness program, EAP, flexible spending accounts, tuition reimbursement, and banking‑service perks (e.g., free accounts and safe‑deposit box) round out total compensation beyond base pay.

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The Company
HQ: Stuart, Florida
1,581 Employees

What We Do

Since 1926, Seacoast Bank has succeeded through a clear vision, planned strategic growth and talented, professional employees. Seacoast provides integrated financial services including commercial and consumer banking, wealth management and mortgage services to customers at 85 full-service branches across Florida, and through advanced mobile and online banking solutions. Seacoast Bank is the wholly owned subsidiary bank of Seacoast Banking Corporation of Florida (NASDAQ: SBCF), one of the largest community banks headquartered in Florida and is Member FDIC/Equal Housing Lending. As of 2023, Seacoast Bank has just under 1,600 associates, $15 billion in assets and $12 billion in deposits. Our Vision: To be the trusted advisor of choice to the customers, businesses, and communities we serve. Our Four Promises: We believe that our greatest assets will always be our people — local bankers who are knowledgeable about the communities we serve and dedicated to an exceptional customer experience. For nearly a century, Seacoast Bank’s commitment to customers has remained the same and is summarized by its Four Promises. We promise to: 1. Get you comfortable with the right products and the right team to serve you 2. Make your day-to-day banking simple 3. Resolve out-of-the-ordinary items responsively 4. Invest in you and your community Please note: This page is intended to be an informational place for our customers and employees to connect and interact. To ensure that visiting our LinkedIn page is a great experience for everyone, we have a several guidelines that we ask you to follow. The Seacoast Bank Social Media Terms Of Use can be viewed at https://www.seacoastbank.com/agreements-and-disclosures/social-terms.

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