1st LOD Risk Manager - Data & Analytics

First Line Risk Manager

As a part of our team, you're made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself!

As the First Line Risk Manager, you will represent the first line of defense and play a key role in identifying, managing, and mitigating the risk and compliance control environment. You will develop practical solutions to improve the risk management process at Citizens by utilizing ongoing risk assessment processes (both formal and informal) to identify areas for enhancement.

You will collaborate with business lines to define and implement risk and remediation activities, and track events to ensure appropriate action is being taken. You will work closely with the Sr Manager of First Line Risk and other risk Officers to organize and initiate investigations into control failures and related issues. In this role you will support change control efforts by assessing and documenting when applicable. Additionally, you should maintain up to date knowledge of regulatory, statutory, and legislative requirements for risk management and controls to ensure compliance with all applicable requirements.

Most importantly, at Citizens we're more than a bank and here you'll experience new things, create new opportunities, think beyond your role and make an impact!

Primary responsibilities include

• Proactively reaches out to Business management, Business Unit Risk Management, Legal, and the larger Risk community to offer support and assistance in compliance related matters to ensure an open, adequate and effective risk management culture.
• Establishes and cultivates a strong working relationship with the respective Business Unit Risk Management teams to advance the culture and effectiveness of a synchronized approach to risk management in respect of current, new or emerging applicable banking law and regulation as well as internal corporate compliance policy and procedures.
• Using internal protocols, identifies compliance issues, analyzes the risk based on knowledge the business and the current regulatory environment, and escalates to the CCO, and/or First Line Risk Team Lead based on severity of the risk(s).
• Consult with the Business Management and colleague(s) regarding the design and implementation of key strategic initiatives and business changes to provide tactical regulatory/compliance advice and recommendations.
• Works with Central Compliance team to understand upstream risks as well as new and changing regulatory information, assess the impact to Citizens based on knowledge of products, services, and processes, communicate requirements to the Business Units, and help drive prioritization of the changes.
• Assist in the review and resolution of customer dissatisfactions and complaints related to either the retail broker or dealer.

Required Qualifications

• 8+ years of financial services experience, with 4+ years' experience in commercial credit relationship management, underwriting/portfolio management, credit approval, credit policy, commercial risk (first, second, or third-line), or similar functions.
• Ability to be equally effective in performance of rote duties as well as high-touch analytical work depending on the needs of the given week/month/quarter.
• Strong written and verbal communication skills
• Advanced use of MS Office Suite (Word, Excel, Powerpoint)
• Familiarity with business intelligence tools such as Cognos, Tableau, WebFocus, etc.

Education:

• Bachelor's Degree
• MS (Finance or related), MBA, and/or advanced industry certification (e.g. CFA/FRM designations)

To thrive as a colleague at Citizens, candidates must demonstrate a strong customer-centric mindset, exhibit persistence and resilience in the face of challenges, and embrace continuous learning to adapt and grow in a dynamic environment.

Hours and Work Schedule: (4 days in office, 1 day remote)

Hours per Week: 40

Work Schedule: Monday-Friday

Pay Transparency

The salary range for this position is $83,000-$111,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the budget, work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit

Citizens will not sponsor an applicant for a work visa, such as an H-1B, for this position.

Required Skills

• Analytical Reasoning
• Auditing
• Business Integrity Management
• Compliance Management
• Corporate Governance
• Customer Journey Orchestration
• Data Analysis
• Data Dashboards
• Diversity and Inclusion (D&I) Strategy and Policy
• Due Diligence
• Issue Resolution/Escalation
• Risk Management Framework
• Technical Credibility

About Us

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Equal Employment and Opportunity Employer

Job Applicant Data Privacy Policy

Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

Job Info

• Job Identification 46263
• Job Category Risk & Oversight
• Posting Date 04/23/2026, 02:58 PM
• Apply Before 05/31/2026, 04:00 AM
• Degree Level Bachelor's Degree
• Job Schedule Full time
• Job Shift 1st
• Locations One Citizens Bank Way, Johnston, RI, 02919, US 200 Station Drive, Westwood, MA, 02090, US
• Working Hours 40
• Career Site Category Risk