Risk Officer

Job Description

Job Description

We are changing FINANCE to finance CHANGE!

At  Climate First Bank , we're redefining what banking can be. As a Florida Benefit Corporation and FDIC-insured commercial bank, we offer a full suite of personal and business services—including solar, residential, commercial, ESOP Banking, Structured Finance and SBA loans—all designed to power a better future. We're proud to be a Certified B Corporation, a member of 1% for the Planet, and part of the Global Alliance for Banking on Values (GABV), reflecting our deep commitment to sustainability, transparency, and ethical banking.

With branches in  St. Petersburg, Winter Park, Mount Dora , and a growing  digital presence , we're proving that banking can be a force for good. We don't just support environmental and social causes—we're built on them.

Under our Holding Company,  Climate First Bancorp , we are also powered by OneEthos.  OneEthos operates at the intersection of fintech and traditional banking to expand access to inclusive, values-driven financial services. Regulated by the Federal Reserve Bank, it equips Community Banks, Credit Unions, CDFIs, and Green Banks with ethical lending tools—especially in climate finance and solar lending.

We're seeking  driven, mission-aligned individuals ready to make an impact. If you're passionate about sustainability, thrive in a fast-paced, results driven environment, and want to be part of something bigger, you will feel right at home.

Our team is one of  goal-setters, go-getters, problem solvers, thought leaders, and changemakers . We celebrate wins, tackle challenges head-on, and push boundaries. Fueled by purpose, we thrive where perseverance and passion turn ambitious goals into reality.

At Climate First Bank, we're investing in your future. We offer a comprehensive, people-first benefits package that supports your health, finances, and work-life balance. Please note that benefit eligibility varies by employment status and that benefits for part-time employees may differ from those listed below.

Compensation  —  In addition to the base salary, this position may be eligible for an annual bonus, incentives and equity. Actual compensation is based on industry salary ranges, internal salary structures, experience, skills and other job-related factors.

Health Coverage — 100% employer-paid for employees; employer contribution for dependents by Us

• Medical, Dental & Vision Insurance 
• Health Savings Account (HSA) 
• Free Telemedicine access via Teladoc

Financial Wellness & Wealth Building

• 401(k) with 6% Employer Match —No Vesting Period.
• Employee Stock Options 
• Exclusive Employee Banking Perks 
• 0% Financing for Employee Solar Loans 
• Employee Only Mortgage Product  with exclusive interest rates and terms.
• 0% Financing for Eligible Electric Vehicles (EVs) 
• Referral Incentives 

Generous Paid Time Off

• 2–4 Weeks of Vacation based on officer level plus additional tenure-based time.
• 64 Hours of Paid Sick Time  for all full-time employees.

Protection & Peace of Mind

• Company-Paid Life Insurance 
• Short- & Long-Term Disability Insurance
• Voluntary Life, Accident & Critical Illness Coverage  
• Employee Assistance Program (EAP)  with free counseling, legal, and financial services.

Now Hiring: Risk Officer

We're looking for a Risk Officer to lead and strengthen our enterprise risk management program. Reporting to the Chief Compliance, BSA and Risk Officer, this individual will identify, assess, monitor, and mitigate risks that may impact the Bank's operations, financial performance, compliance posture, and reputation. The Risk Officer will supervise a Risk Analyst, partner with leaders across the organization, and provide reporting and guidance to senior leadership and the Board of Directors.

What You'll Contribute:

Enterprise Risk Management Leadership 

• Develop, maintain, and enhance the Bank's enterprise risk management framework, including policies and procedures.
• Oversee administration of the Enterprise Risk Management (ERM) system and ensure effective risk governance practices.
• Advise leadership on risk exposure, risk appetite, and appropriate mitigating controls.

Risk Assessment & Monitoring 

• Conduct risk assessments across operational, financial, compliance, strategic, cybersecurity, and reputational risk categories.
• Monitor and analyze risk data, key risk indicators, and emerging trends to identify potential issues proactively.
• Stay informed on industry developments and regulatory changes that may impact the Bank's risk profile.

Governance, Reporting & Compliance 

• Ensure compliance with regulatory requirements and internal control standards.
• Implement, monitor, and test fiduciary and SOX-related risk management programs.
• Prepare and present risk reports and recommendations to executive leadership and the Board of Directors.

Cross-Functional Partnership & Audit Support 

• Partner with business leaders to implement effective risk management strategies.
• Participate in internal audits, external audits, and regulatory examinations.
• Assist in departmental planning, budgeting, and special projects that strengthen the control environment.

Team Leadership & Risk Culture 

• Supervise and develop the Risk Analyst.
• Deliver risk management training and guidance across the Bank.
• Champion a proactive risk culture supporting growth and sustainability.

Champion Our Mission, Protect What Matters 

• Adopt a commitment to environmental, social, economic, and racial justice.
• Stay informed of applicable regulatory requirements and complete all mandatory compliance and IT training.
• Maintain an understanding of Bank policies, procedures, and regulations.
• Question suspicious activity and collaborate with departments to help prevent fraud.

Champion Our Mission, Protect What Matters

• Adopt a commitment to environmental, social, economic, and racial justice.
• Stay informed of applicable regulatory requirements and complete all mandatory compliance and IT training.
• Pursue and demonstrate an understanding of established Bank policies, procedures, and regulations.
• Question suspicious activity and collaborate closely with the respective department(s) to help prevent fraudulent activity.

What Makes a Stand-Out Candidate:

Experience & Education

• Bachelor's degree in Finance, Business Administration, Risk Management, or a related field preferred. 
• 5+ years of experience in risk management, enterprise risk, compliance, audit, or a related financial services discipline. 
• Prior banking experience with strong knowledge of banking regulations and risk management practices. 
• Experience presenting risk information to senior leadership and boards. 
• Proficiency with Microsoft Office applications, particularly Excel, Word, and Outlook. 

Entrepreneurial Self-Starter - You take charge of your work product and take pride in delivering consistently great and measurable results You take ownership of complex risk initiatives and use data-driven analysis to identify trends, assess exposure, and recommend solutions. A high-pace and high-performance environment excites you and you thrive on defined expectations.

Organization & Efficiency- You manage your time like a pro and stay focused under pressure, You love a good system but also adapt to changing routines. You're a master note-taker and checklist fanatic and stay on top of things with ease and consistency.

Master Communicator- You communicate with confidence, precision, and professionalism. You listen deeply and respond thoughtfully and engage stakeholders at all levels efficiently and tactfully. You masterfully build relationships and develop business with strong influencing and decision-making skills.

Banking & Fintech Acumen - You are highly educated in financial products and services, applicable regulations and laws. You possess strong knowledge of banking operations, regulatory expectations, internal controls, and enterprise risk management principles. 

Tech-Forward and Analytical Thinking - You learn new tools quickly, are excited by innovation and leverage technology to create efficiencies. You leverage technology, reporting tools, dashboards, and data analysis to improve efficiency and monitoring. 

Commitment to Being a Team Player - You lift others up, share ideas, and bring positive energy to everything you do. You know how to operate as a part of a larger team and love contributing to the big picture. You're dependable and always happy to lend a hand where needed.

The Work Environment:

• Remote role within the United States; Eastern Standard Hours.
• Occasional U.S. travel for company events or leadership sessions.
• Tobacco-Free employer. All employees must affirm to be non-smokers or affirm commitment to cessation within 90-days of offer acceptance.
• Sustained standing and sitting, frequent communication (speaking and listening) and use of PC, including typing or sustained attention to monitor, occasional lifting up to 20 lbs.

Equal Opportunity Statement:At Climate First Bank we truly believe that our people are our strength and the diverse talents they bring to our workforce are directly linked to our success. Diversity and inclusion are at the core of our values and mission. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.Equal Opportunity Employer/Disability/VeteransE -Verify Statement: This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. If E-Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so you can begin to resolve the issue before the employer can take any action against you, including terminating your employment. Employers can only use E-Verify once you have accepted a job offer and completed the Form I-9