Risk, Operational Risk - Consumer Deposits, Associate, Frankfurt

In this role you support independent second-line oversight of the Consumer Deposits risk profile, translating complex data into decision-useful insights for senior stakeholders. You will collaborate with first-line teams, operations, and controls to strengthen risk management and regulatory alignment. You’ll analyze events, scenarios, and frameworks to identify risk themes and drive improvements. This is a hands-on position at scale, offering the chance to shape risk practices across global teams.

• Provide independent oversight and challenge of the Consumer Deposits operational risk profile, reviewing risk assessments, control design, and remediation decisions
• Support application and enhancement of the operational risk framework (RCSA, control assessments, scenario analysis, risk metrics, reporting)
• Conduct in-depth reviews of significant operational risk events to identify root causes and recurring themes
• Contribute to scenario analysis and quantification of operational risk exposure
• Evaluate impact of new products, changes, outsourcing, and initiatives on risk and controls
• Perform risk record calibration to keep RCSAs and metrics current
• Assess regulatory impact of consumer banking rules in partnership with Compliance and Legal
• Develop and review risk indicators and MI, analyzing trends and outliers for deeper reviews
• Prepare clear reporting, dashboards, and materials for senior management and governance forums
• Engage with regional and global teams to evolve risk methods, data capabilities, and governance processes

• Minimum 4 years in operational risk, enterprise risk, compliance, second-line risk and controls, internal audit, or related field
• Bachelor's degree in finance, economics, business, risk management, law, data analytics, computer science, or related field
• Experience applying operational risk concepts including RCSA, control assessments, event and issue management, scenario analysis, risk metrics, and reporting
• Experience providing independent challenge and oversight within retail or consumer banking (deposits, savings, digital banking, or customer operations)
• Strong data analysis skills with ability to translate findings into evidence-based risk conclusions
• Proven ability to prepare management information, dashboards, and presentations for senior stakeholders
• Cross-functional collaboration experience in regulated financial services
• Regulatory knowledge of EU and Irish consumer banking deposits

• Clear written and verbal communication
• Cross-functional collaboration
• Strong prioritization and time management
• Python
• SQL
• VBA