Senior Lead Enterprise Risk Officer - Retail Services

About this role:
Wells Fargo is seeking a Senior Lead Enterprise Risk Officer within Corporate Risk, Wells Fargo's second line of defense. This role provides independent oversight of risk-taking activities, establishes and maintains the risk management program, and offers challenge and independent assessment of the frontline's execution of risk management responsibilities. The officer manages risk according to the Risk Management Framework and ensures all employees understand their individual accountability for managing risk. The position is part of a global team responsible for oversight across multiple risk disciplines, including operational, credit, compliance, financial crimes, and model risk management. The role is expected to collaborate with business leaders, provide risk guidance, and support the company's commitment to integrity and operational excellence. Learn more about our career areas and business divisions at wellsfargojobs.com.
In this role, you will:

• Provide independent oversight, challenge, and credible risk management guidance across unsecured products and enterprise risk activities.
• Serve as a trusted advisor to senior leadership by influencing enterprise risk, governance, reporting programs, strategic priorities, and long-term business objectives.
• Oversee the development and execution of large-scale, complex, and cross-functional risk, governance, and reporting initiatives that require innovation, strategic thinking, and sound judgment.
• Ensure adherence to the Risk Management Framework, company policies, regulatory expectations, and the Code of Conduct while promoting a strong risk culture.
• Partner effectively with business leaders, Audit, Legal, regulators, and other stakeholders to address risk-related issues and drive sustainable solutions.
• Deliver meaningful risk insights and reporting to executive management, committees, and the Board of Directors to support informed decision-making.
• Provide vision, direction, and expertise on governance, policy implementation, enterprise initiatives, and organizational effectiveness.
• Lead, mentor, and develop teams by fostering collaboration, sharing candid feedback, delivering training, and driving accountability for results.
• Use data, analytics, and critical thinking to identify risks, solve complex problems, and develop actionable, long-term solutions.
• Promote a culture of integrity, inclusion, respectful challenge, and continuous improvement while encouraging diverse perspectives and high-performance standards.
• Demonstrate personal accountability, ownership, and urgency in delivering commitments, resolving issues, and simplifying processes while maintaining strong risk controls.
• Influence and engage stakeholders at all levels of the organization to align priorities, execute strategic objectives, and drive enterprise-wide risk management outcomes.

Required Qualifications:

• 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 one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• 5+ years of strong programing skills in Python/SAS/SQL with hands on experience handling large datasets
• 5+ year of statistical analysis and good understanding of Machine Learning techniques
• Experience in managing originations/account management decision engine strategies
• Good understanding on P&L drivers for credit card/other unsecured lending products
• Knowledge and understanding of databases and data mining techniques
• Deep understanding of risk frameworks, controls, and regulatory expectations.
• Ability to effectively challenge business decisions and influence senior leaders across the organization.
• Strong capability to leverage data, identify emerging risks, and drive risk-informed decision making.
• Proven track record with hands on experience in business analytics and strategy recommendation
• Self-motivated with strong analytical and problem-solving skills
• Excellent verbal, written, and interpersonal communication skills

Posting Locations:

• 550 S. Tryon Street - Charlotte, North Carolina
• 401 Las Colinas Blvd W Bldg B Irving, Texas
• 2200 Concord Pike, Wilmington, DE
• 800 S Jordan Creek Pkwy, West Des Moines, IA

Job Expectations:

• Required locations listed above. Relocation assistance is not available for this position.
• This position is not eligible for VISA sponsorship

Specific compliance policies may apply regarding outside activities and/or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process.
Posting End Date:
27 Sep 2026
*Job posting may come down early due to volume of applicants.
We Value Equal Opportunity
Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements.
Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.
Applicants with Disabilities
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo .
Drug and Alcohol Policy
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.
Wells Fargo Recruitment and Hiring Requirements:
a. Third-Party recordings are prohibited unless authorized by Wells Fargo.
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.