Assoc Risk Officer Resume Sample
Isabelle DuBuque
254 Juanita Manor,
Philadelphia,
PA
+1 (555) 472 5388
Work Experience
Risk Specialist, / Assoc Risk Officer
11/2016
-
PRESENT
New York, NY
- Work on Risk Innovation projects to support the bank’s strategic goals
- Monitor control performance of Corporate Banking activities for BBVA S.A., and BBVA Compass to ensure compliance with applicable US regulations, mainly focus on Regulation W and Bank Secrecy Act
- Perform follow ups and ensure closure of Internal Audit recommendations and Regulatory Exams to improve the Operational Risk Model
- Maintain, update, test and conclude on SOX and Non-SOX risks and controls
- Evaluate the model’s performance (Back- testing and benchmarking)
- Analyze new and pending regulations which directly affect the Bank’s practices and operations and consult on efforts to develop/update processes and procedures to address these regulations to ensure quality control monitoring is adequately enhanced
- A confident communicator able to present information, in detail, summary or response
- Assist on the implementation and application of the IFRS9 and CECL standards (on any other new accounting pronouncement), mainly focus on the calculation of the impairment model
- Establish and maintain effective internal controls and processes surrounding the IFRS9 and CECL model
Assoc Risk Officer
10/2013
-
10/2016
Dallas, TX
- Perform the monthly end calculation for the ALLL under IFRS9, CECL, and ASC 450/310
- Perform month-end and annual forecast (Budget) for the ALLL under IFRS9, CECL, and ASC 450 and ASC310
- Establish and maintain strict quality reviews and analyses to assess the reasonability of the impairment/reserve calculations. Provide loan level detail as to the main reasons for MoM fluctuations and provide explanation as to the differences between the 3 different methodologies
- Ensure accuracy and data integrity, including establishing QCs within the process
- Prepare reporting documents to executive management and third parties, including regulators and external auditors
- Ad hoc reports of credit trends and data mining analyses, for top management, including from Holding
- Maintain effective communication with stakeholders, regulators, and external auditors and provide necessary ad-hoc request
Assoc Risk Officer, Risk Officer
12/2010
-
09/2013
Los Angeles, CA
- Prepare proper documentation of the methodology and changes
- Responsible for the independent validation of assigned models, and addressing questions regarding them
- Review the documentation, and underlying assumptions, theory, empirical evidence, implementation and limitations of the model, and evaluate its performance
- Clearly document the analysis performed and risk findings
- Participate in meetings with model stakeholders to discuss the validation process and results
- Support regulatory examinations and internal audits of the validation process and model risk management
- Adapt in unexplored fields. Ability to research, learn, and apply new concepts, and statistical techniques with limited support
- Identify, measure, manage and document risk issues, recommendations, and decisions
Education
Strayer University - Prince George's Campus
2005 - 2010
Bachelor's Degree in Business
Professional Skills
- Develop measurements to monitor and analyze the bank’s current and future IRR position and participating in the development of strategies to manage the IRR position
- Strong programming skills, ideally in SAS, Ror
- Excellent communication and interpersonal skillsas the position requires an ability to communicate complex technical concepts to a diverse audience
- Programming skills in R, SQL, SAS
- Demonstrated experience in solving a range of straightforward problems and analyzing possible solutions using standard procedures
- Industry experience for Associate Risk Officer, and 5 + years of industry experience required for Risk Officer I
- Experience in credit analysis (lending, underwriting, loan review), finance, accounting, and/or data analytics
How to write Assoc Risk Officer Resume
Assoc Risk Officer role is responsible for risk, access, interpersonal, education, regulations, excel, mining, banking, sas, audit.
To write great resume for assoc risk officer job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Assoc Risk Officer Resume
The section contact information is important in your assoc risk officer resume. The recruiter has to be able to contact you ASAP if they like to offer you the job. This is why you need to provide your:
- First and last name
- Telephone number
Work Experience in Your Assoc Risk Officer Resume
The section work experience is an essential part of your assoc risk officer resume. It’s the one thing the recruiter really cares about and pays the most attention to.
This section, however, is not just a list of your previous assoc risk officer responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular assoc risk officer position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Assoc Risk Officer resume experience can include:
- Excellent quantitative/analytical skills with the ability to derive patterns and insights, and perform risk/reward analysis
- Strong Modeling inother relevant areas such as Economic Capital, Loss ForecastingorStress Testing
- Exposure/Participation in data warehouse development, data processing, data quality standards, data validation, data preparation and reconciliation
- Experienced in utilizing loan data systems such as TSYS, Alnova, AFS, Appro, CMSI
- Experience presenting analytic findings and recommendations to management
- Experience in credit risk modeling/analytics, credit risk portfolio management, or credit risk strategy development
Education on an Assoc Risk Officer Resume
Make sure to make education a priority on your assoc risk officer resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your assoc risk officer experience. For example, if you have a Ph.D in Neuroscience and a Master's in the same sphere, just list your Ph.D. Besides the doctorate, Master’s degrees go next, followed by Bachelor’s and finally, Associate’s degree.
Additional details to include:
- School you graduated from
- Major/ minor
- Year of graduation
- Location of school
These are the four additional pieces of information you should mention when listing your education on your resume.
Professional Skills in Assoc Risk Officer Resume
When listing skills on your assoc risk officer resume, remember always to be honest about your level of ability. Include the Skills section after experience.
Present the most important skills in your resume, there's a list of typical assoc risk officer skills:
- Experience in auto finance (underwriting and/or collection and recovery) including associated policies and guidelines
- Experienced in development using the SDLC, including traditional and agile approaches to solution development
- Some hands-on experience interacting with data generators and data consumers bridging the gap between technical capabilities and business needs
- Experience with US current accounting methodologies and full understanding on the main differences between IFRS9, CECL, and ASC450/310
- Hands-on experience in developing segmentation models using statistical methods
- Experience in the job offered or in quantitative modeling and research position
List of Typical Experience For an Assoc Risk Officer Resume
1
Experience For Assoc Risk Officer, / Risk Officer Resume
- Develop models related to credit origination/portfolio management efforts and oversee deployment and validation efforts
- Reviewing legal documents
- Reviewing legal documents and vendor contracts
- Develop and monitor appropriate controls to ensure accurate reporting, including annual risk assessments
- Compile comprehensive Model Documents that satisfy the Bank’s Model Risk requirements and industry regulations including FRB SR 11-7 and OCC 2011-12
- Lead efforts in the review and analysis of FCRA reporting and data quality to Credit Reporting Agencies, including root cause analysis and tactical direction to ensure data integrity in reporting
2
Experience For Assoc Risk Officer, Risk Officer Resume
- Develop governance, reporting and monitoring to support the strategic initiatives and consumer regulatory requirements of the bank Serve as primary liaison to TeSS, business units and Third Party Vendors to ensure Credit Reporting and other consumer reporting meets bank and regulatory standards
- Work closely with system users and data generators to identify and remediate gaps in reporting
- Establish and monitor appropriate metrics and reporting to ensure compliance with Service Level Agreements, internally and with Third Party Vendors
- Liaise with internal audit, control specialists, and regulators on Data Management and Reporting issues as needed
- Proactively become knowledgeable of policies and procedures governing the department’s activities and impact/interaction to other teams within the Bank
- Develop risk-based pricing models and strategies within risk appetite and to meet profitability targets
- Develop and optimize credit risk strategies for Credit Cards portfolios using analytical techniques and statistical analysis to meet pre-defined goals
- Develop and maintain (monitoring and calibration) of commercial/consumer scorecards
3
Experience For Risk Specialist, / Assoc Risk Officer Resume
- Assist in the communication of department needs to Design and Development and Risk Reporting
- Present recommendations and analysis results to Senior Management and appropriate bank committees
- Develop and update framework documents (i.e., policies, procedures, workflows) as needed to ensure alignment with best practices throughout the bank
- Work with lines of business, TeSS , various product owners, and Third Party vendors to ensure their compliance with Credit Reporting Agencies framework and policies
- Develop training and facilitate as needed for various regulations including FCRA
- Manage and maintain change control process for Credit Reporting program
- Assist Consumer Regulatory Risk Governance Manager and team as needed to ensure compliance with regulations
- Interaction with Bankers, Risk, Operations teams, Internal Auditors, Compliance Officer, Technology, and Operational Risk Managers
- Maintenance of internal reports and their distribution to the appropriate areas (Management, Committees, Compliance, Central Internal Control and Operational Risk team)
4
Experience For Assoc Risk Officer Resume
- Testing and monitoring of Corporate Banking processes, through the use of different tools
- Identify risks and controls for Consumer & Commercial Banking and Business Development & Digital Transformation through the completion and/or evaluation of applicable line of business risk assessments, key risk indicators, projects, business continuity plans, operational loss events, processes, policies and procedures, etc
- Monitor performance and evolution of key controls within Consumer & Commercial Banking and Business Development & Digital Transformation to ensure critical risks are mitigated, the effectiveness of the control framework and to ensure compliance with identified laws and regulations.
- Work with business unit management and other experts to create, monitor and update action plans from control testing results, risk assessments, audit issues and corporate assurance issues
- Managing time and resources wisely
- Define control objectives for new products and services, and other critical projects bank wide and perform post product launch reviews and assessments.
5
Experience For Assoc Risk Officer, / Risk Officer Resume
- Communicate control issues to business unit and line of business management
- Assist the bank’s project management group in the facilitation of larger enterprise level projects
- Act as an operational and compliance risk SME
- Build highly predictive and granular credit risk strategies for new loan originations
- Collaborate with the Portfolio Risk Director and the Line of Business
- Forecast and monitor portfolio losses and incorporate industry/market trends
6
Experience For Assoc Risk Officer, Risk Officer Resume
- Provide timely and accurate analysis of portfolio trends and potential risks to business partners in U.S. and Spain as required through established analytic processes as well as follow-up to Risk Committees, Board, and Spain specific requests to provide insight regarding credit quality
- Work with business partners to provide analytics and recommendations for structure of new products, product changes, underwriting guidelines, and risk strategies
- Manage projects and participate on committees and work groups as assigned
- Ad hoc analytics as required
- Build credit risk strategies for underwriting, line assignment, and account management through segmentation techniques using generic and custom risk scorecards and attributes
- Develop new quantitatively driven champion-challenger strategies and pilot programs across the customer lifecycle
- Estimate Parameters for Allowances, Economic Capital and IFRS9/CECL for different portfolios and estimation of CCAR models
7
Experience For Risk Specialist, / Assoc Risk Officer Resume
- Act as a technical expert on assigned projects
- Follow the governance and review process to get models approved and successfully implemented
- Collect and analyze data from source systems
- Design, analyze and distribute ad-hoc report queries from relationship to upper management
- Analyze credit packages to identify information to be captured to properly define specific groups of credits
- Follow BBVA Compass Consumer Credit Policy
8
Experience For Assoc Risk Officer Resume
- Utilize various bank systems to research and confirm related exposure for consumer products
- Assist in development of new reports
- Provide support for other Structural Risk areas as needed
- Proficiency in Microsoft Excel (vlookups, pivot tables, macros) and PowerPoint
List of Typical Skills For an Assoc Risk Officer Resume
1
Skills For Assoc Risk Officer, / Risk Officer Resume
- Experience in credit risk modeling/analytics, credit risk portfolio management or credit risk strategy development
- Good knowledge of banking credit risk regulations (IFRS9, CECL and/or Basel II IRB)
- Experience with SQL, Excel and Access
- Experience with IFRS 9, in the application and methodology
- Variance in work volume is usually predictable and priorities can be anticipated
2
Skills For Assoc Risk Officer, Risk Officer Resume
- Understanding of operational risks and processes for mitigating those risks
- Understanding of regulatory requirements and mandated compliance processes
- Understanding of quality assurance & control processes
- Protecting the organization’s assets and public image
- Developing contingency plans to deal with emergencies
- Knowledge of Machine Learning, boosting, neural networks and Graphs Methodologies
- Develop processes, governance, reporting and monitoring to support the strategic initiatives and consumer regulatory requirements of the bank
- Assist lines of business with developing and implementing corrective action for items noted in internal and external reviews
- Full understanding of indirect and direct auto product characteristics (Prime and sub-prime characteristics)
3
Skills For Risk Specialist, / Assoc Risk Officer Resume
- Ph.D. or MS in Finance, Economics, Engineering, Math, Physics or Statistics required
- Inquisitive and proactive mind set to identify issues and develop action plans to address emerging risks
- Proficient in SAS/SQL, with significant knowledge in data mining
- Knowledge in the methodological and accounting differences between US GAAP and IAS/BOS, such as TDRs and Default definitions
- Knowledge of economics, accounting, statistics, and finance
4
Skills For Assoc Risk Officer Resume
- Knowledgeof scorecard development or loss forecasting process for different portfolios
- Serve as the department representative on assigned initiatives impacting Consumer Regulatory Risk
- Develop training and facilitate as needed for various consumer regulations
- Undertake complex projects requiring specialized technical knowledge
- Conduct statistical analysis to evaluate risk using SAS statistical software
5
Skills For Assoc Risk Officer, / Risk Officer Resume
- Ensure that the company is managing resources wisely
- Proficiency in Microsoft Excel (vlookups, pivot tables, macros) and PowerPoint required
- Educational degrees in finance and/or quantitative and statistical analytics
- Knowledge in calibration of the risk parameters (PD/LGD/CCF) and macroeconomics models
- Capacity to work independently and under pressure
- Knowledge of credit parameterscalculation (PD, LGD and CCF)
- Research learn and apply new concepts and statistical techniques with limited assistance
- Experience in quantitative financial model development/validation for credit risk origination, account management and collections models, parameters (PD, LGD, EAD), provisions, fraud, AML, compliance, loss forecasting and/or treasury models
6
Skills For Assoc Risk Officer, Risk Officer Resume
- Job requires frequent sitting, talking, hearing and handling objects with hands
- Job occasionally requires standing, walking, reaching or lifting up to 10 pounds
- Knowledge of banking model related regulation is valued (SR 11-7, IFRS 9, CECL, Basel)
- Experience in a credit risk analytics, or 4 years’ experience in building data-driven models; salary commensurate with experience and quantitative skills
- No unusual physical requirements. All work is typically performed in a comfortable indoor facility
- Job requires the ability to see information in print and/or electronically
- Job typically has routine deadlines, usually with sufficient lead time
7
Skills For Risk Specialist, / Assoc Risk Officer Resume
- Travel or other inconveniences are minimal and usually have advance notice
- Develop and/or revise appropriate policies and procedures, as assigned, to ensure Bank compliance with consumer regulations
- Analyze new and pending regulations which directly affect the Bank’s practices and operations and lead efforts to develop/update processes and procedures to address these regulations
- Develop and monitor appropriate controls to ensure accurate FCRA reporting
- Represent Consumer Regulatory Risk Execution team and lead coordination of internal/external reviews, as assigned
8
Skills For Assoc Risk Officer Resume
- Liaise with internal audit, control specialists, and regulators on issues as needed
- Manage and maintain change control process for assigned Consumer Regulatory Risk initiatives
- Assist Consumer Regulatory Risk Execution Manager and team as needed to ensure compliance with regulations
- Serve as a risk subject matter expert for indirect auto products
- Partner with LOB, compliance and other risk areas to achieve targeted results
- New model development to assist the lines of business to deliver products appropriately calibrated to the Institution’s risk appetite
9
Skills For Assoc Risk Officer, / Risk Officer Resume
- Implementation of the model monitoring program (for both consumer and commercial models) to ensure any shifts in the profile, behavior or performance of model can be identified and appropriate action plans developed and executed
- Allocated equity methodology and implementation
- Make well-thought-out decisions to mitigate typical security risk issues
- Ensure high-level integration of security policies and standards in applications
- Identify, evaluate, and lead technical analyses to ensure security requirements are met
- Developmeasurements to monitor and analyze the bank’s current and future IRR position and participating in the development of strategies to manage the IRR position
10
Skills For Assoc Risk Officer, Risk Officer Resume
- Tasked with a number of ad-hoc projects across many different risk disciplines including: downturn LGD research, Loss Share Agreement analysis, Risk Capital optimization, among others
- Develop and optimize credit risk strategies for Credit Cards and Consumer Direct portfolios using analytical techniques and statistical analysis to meet pre-defined goals
- Understanding of Corporate Banking business (syndicated loans, trade finance, project finance, etc.) and its interaction with other business and support units
- Documenting and reporting risk policy exceptions to risk committee
- Monitoring and forecasting market trends
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