Risk Director, Personal Wealth (Cash and Savings)
Vanguard
Overview:Personal Wealth is transforming how investors access personalized financial advice. Vanguard's Personal Wealth division helps individuals and families achieve their financial goals through a broad spectrum of advice and wealth management solutions—ranging from digital advice and financial planning to comprehensive wealth, trust, and family office services. Serving investors across all stages of their financial journey, Personal Wealth combines Vanguard's client-first philosophy, low-cost investing expertise, and innovative technology to deliver advice at scale. The division operates across a complex landscape of advice, brokerage, cash management, wealth management, and technology-enabled services, creating unique opportunities to influence both business outcomes and client success.Cash & Savings is responsible for Vanguard's cash management ecosystem, helping clients save, spend, move, and access their money with confidence. The portfolio includes Vanguard Cash Deposit (VCD), Cash Plus, debit card capabilities, interest rate and tiering programs, money movement services, and the policies, operational processes, and governance frameworks that support them. These offerings sit at the intersection of investing, banking, payments, fraud prevention, and client experience, creating unique opportunities and risks as Vanguard expands its cash capabilities and evolves toward more bank-like client experiences.We are seeking a Risk Director to provide independent risk oversight, credible challenge, and strategic risk advisory support across this growing portfolio. As a trusted advisor to business leadership, the Risk Director will partner closely with product, operations, technology, legal, compliance, financial crimes, and third-party providers, including sponsor banks, payment processors, and network partners, to ensure new capabilities are designed, launched, and scaled in a risk-smart, compliant, and operationally resilient manner. The role provides operational risk expertise, guidance, oversight, and assurance services across cash products, payments, and money movement capabilities, while helping strengthen divisional risk frameworks to support effective risk identification, mitigation, governance, and decision-making.The impact you’ll make:This role is particularly important as Vanguard continues to modernize money movement capabilities, expand Cash Plus, launch debit card capabilities, and enhance client access, speed, transparency, and flexibility. The Risk Director will oversee risks associated with cash products, deposits, interest rate and tiering programs, money movement policies and operations, payment capabilities, third-party banking relationships, fraud prevention, operational resiliency, and regulatory compliance. The successful candidate will understand and challenge complex risks associated with funds availability, transaction processing, fraud and scam mitigation, money movement infrastructure, and emerging payment capabilities while influencing executive decision-making through risk assessments, strategic advisory support, and effective challenge.The ideal candidate excels at these top capabilities:Experience partnering with cross‑functional teams (product, technology, operations, legal, compliance) and third‑party vendors to support the design, launch, and ongoing oversight of payment products in complex, highly regulated environments.Demonstrated familiarity with payments ecosystems, including debit card programs, money movement, real‑time payments, and digital payment models, across issuer, processor, network, and/or sponsor bank environments.Demonstrated expertise in payment products, money movement operations, and associated regulatory and industry frameworks (e.g., Reg E, dispute handling, error resolution, fraud and scam management, NACHA Operating Rules, AML/KYC, PCI-DSS, consumer protection requirements, and third-party payment ecosystems).Partner with the business to mitigate risk and optimize process efficiency across debit card and digital payment operations. Apply deep industry and technical risk expertise to design effective controls spanning KYC, transaction monitoring, fraud and scam prevention, dispute processes, risk tolerances, and limits.Provide consultative support as new products, services, processes, and procedures are developed.Assess the design and effectiveness of existing controls supporting payment products and transaction flows, leveraging industry best practices to recommend enhancements as needed. Apply enterprise risk management concepts consistently when evaluating and communicating payment‑related risk exposures. Responsibilities:Hire, evaluate, and supervise crew. Provides guidance, training, and coaching as necessary to develop crew. Set performance standards, review performance, and make informed compensation decisions in accordance with all applicable Human Resources policies and procedures.Partner with key stakeholders to establish and implement risk and control management standards within the division's processes, based on the divisional risk profile and enterprise and divisional policies and standards. Provide vision and leadership regarding existing and emerging risks, in alignment with strategic priorities.Provide independent oversight of Line 1 risk activities, with a primary responsibility to challenge completeness, consistency, quality, and judgment in how risks are identified, assessed, and managed. Ensure that the division has an appropriate level of review of key controls, and that key controls are designed in accordance with established standards.Partner in risk identification and challenges completeness and consistency of identified risks. Provides industry and enterprise-wide insights to inform the business on current and emerging risks. Performs independent risk assessments for selected high‑impact, critical, or thematic risks.Monitor and enable adherence to the enterprise risk governance policies, standards, and procedures. Develop, maintain, and evolve a comprehensive program for monitoring and challenging the risk and control effectiveness in the business.Produce independent risk reporting and enterprise‑wide insights for divisional leadership and governance forums to enable the business to make risk informed decisions.Lead and oversee a team of risk practitioners in analyzing risks, applying risk methodologies, and considering business context in advising the business on key risks. Accountable for the timely completion of risk projects and initiatives.Develop and maintain in-depth knowledge and awareness of industry, risk management practices, and regulatory and/or policy changes. Take an active role in industry forums and remains current on issues and regulatory events affecting the division, firm, and industry.Embed deep, division-specific acumen into risk management. Provide relevant, tailored guidance and advice to strengthen decision-making across the division’s complex business operations and strategic initiatives.Participate in special projects and performs other duties as assigned, partnering with enterprise risk, legal, compliance, audit, and internal and external stakeholders as appropriate.Qualifications: What you’ll bring:Minimum of 10 years of progressive experience in wealth management and/or personal investment advisory services, with at least 8 years of risk management and payments risk experience, with hands‑on involvement in debit card programs and/or transactional product launchesUndergraduate degree required; graduate degree preferred (e.g., JD, MBA, MS in Risk/Finance).Relevant payments or risk certifications (e.g., NACHA) a plus.Hands‑on masterly of operational risk frameworks and control assurance (control design, testing, monitoring, reporting). You know what “good” looks like – and how to build it.Demonstrated people leadership capabilities, including building scalable teams, developing leaders, and driving a strong risk culture.Exceptional communicator and strategic thinker who shapes outcomes through strong judgement, clarity of message, and an ability to bring stakeholders along. You build buy‑in across senior leaders while navigating complexity with confidence.Preferred Subject Matter Expertise:Cash management productsMoney movement operationsACH and wire processingDebit card programsFraud prevention and transaction monitoringRegulation ENACHA Operating RulesAML/KYCPCI-DSSSponsor bank and payment network oversightSpecial FactorsSponsorshipVanguard is not offering visa sponsorship for this position.About VanguardAt Vanguard, we don't just have a mission—we're on a mission.To work for the long-term financial wellbeing of our clients. To lead through product and services that transform our clients' lives. To learn and develop our skills as individuals and as a team. From Malvern to Melbourne, our mission drives us forward and inspires us to be our best.How We WorkVanguard has implemented a hybrid working model for the majority of our crew members, designed to capture the benefits of enhanced flexibility while enabling in-person learning, collaboration, and connection. We believe our mission-driven and highly collaborative culture is a critical enabler to support long-term client outcomes and enrich the employee experience.SummaryLocation: Malvern, PA; Scottsdale, AZ; Charlotte, NCType: Full time
- Overview:Personal Wealth is transforming how investors access personalized financial advice. Vanguard... ...of advice, brokerage & investments, cash management, wealth management, and... ...to long-term success.We are seeking a Risk Director to provide independent risk oversight,...PersonalCashFull timeWork at office
- ...guidance? Vanguard is seeking Wealth Advisors and Senior Wealth... ...client suitability, risk tolerance, appropriate saving/spending strategies, Wealth... ...between your professional and personal life while making a... ...Partnership Plan is an annual cash award tied to our collective...PersonalCashFull timeWork at officeLocal areaRemote workRelocationMonday to Friday
$100 per hour
...The Associate Wealth Advisor is an exciting opportunity to collaborate... ...to address retirement, risk management, estate, and tax considerations... ..., and Holistiplan. Creates a personalized Investment Policy Statement... ...rewards may include an annual cash bonus and a comprehensive...PersonalCashWork at officeLocal areaRemote work2 days per week$75k - $85k
...Position Summary Focus Partners Wealth is seeking an Associate Wealth... ...team dedicated to creating personalized wealth advice based on each of... ...implementing strategies in retirement, risk management, tax, estate, and... ...rewards may include an annual cash bonus and a comprehensive...PersonalCashWork at officeLocal area- Head of Digital Assets, Personal WealthThe Head of Digital Assets will lead Vanguard Personal Wealth's digital assets strategy, roadmap,... ...operations, client segments, risk, legal, and compliance to shape... ...strategy across brokerage, advice, cash, investment products,...PersonalCashFull timeWork experience placement
$150k - $206.3k
...around the world.Job DescriptionThe Senior Director, Business Unit Compliance Liaison is... ...for leading the centralized risk team for Wealth Management Solutions, with a focus on... ...-based business. Working together, in-person, is foundational to how we achieve results...PersonalFull timeContract workH1bWork at officeWork from homeVisa sponsorship1 day per week- ...high net worth clients of Global Wealth and Investment Management (... ...and credit partners to analyze personal financial statements such as... ...The ideal candidate can analyze risks, identify mitigants, recommend... .... Ability to analyze complex cash flows involving multiple income...PersonalCashShift workDay shift
- The Director of Investments provides exceptional service to our clients and support Financial Advisor(s) (FAs)/ Private Wealth Advisor(s) (PWAs)/ teams on a daily basis. The Director of Investments... ...• Expert knowledge of basic personal computer, MS Office (particularly...PersonalWork experience placement
$75k - $125k
...to the company’s success. As a Wealth Advisor within PNC Wealth... ...to help clients achieve their savings, investment, and retirement goals... ...customized customer solutions.Managing Risk - Assessing and effectively... ...opportunity to qualified persons regardless of race, color, sex...PersonalFull timeTemporary workPart timeWork experience placementWork at office- ...life, while enabling them to preserve their wealth for future generations, and provide for... ...Flexible Spending Accounts & Health Savings Accounts Dependent Care FSA Commuter & Transit... ...high-net-worth clients. We combine the personal service, creativity and objective advice...PersonalPermanent employmentFull timeTemporary workWork at officeFlexible hours
- ...can provide you with a wealth of opportunities to learn... ...on expanding Free Cash Flow (FCF), and the ability... ...with the Finance Director for the East in providing... ...and opportunities for savings.Recommend strategies to... ...paid holidays plus two personal flex days throughout the...PersonalCashFull timeTemporary workWork at officeLocal areaVisa sponsorshipWork visaFlexible hours
$55k - $95k
...affordable business services, consumer savings programs, and wellness... ...from Commission Advances, Cash Bonuses, and Incentive Contests... ...helping to build ~ Long Term Wealth Building ~ Annual Award Trips... ...Commitment to Excellence ~ High Personal Integrity and Character ~...PersonalCashSelf employmentLocal areaFlexible hours- ...oversight for all types of Wealth trust accounts including personal trusts, special needs... ...trust and account documents, cash management, trouble shooting... ...parties including Risk Oversight, Legal, and Compliance... ...dismemberment, tax-preferred savings accounts, and a 401k plan...PersonalCashFull timePart timeWork at officeFlexible hoursShift workDay shift
$99k - $176k
Job DescriptionWhat is the opportunity?RBC US Wealth Managing is building out our credit, lending and cash management products and capabilities. As a Risk Advice Senior Manager, Business Risk Oversight, you will provide risk advice and guidance to product managers and...CashFull timeFlexible hours- ...financial planning support. ~ Develop personalized investment strategies and deliver... ...Plan : Our Partnership Plan is an annual cash award tied to our collective company performance... ...knowledge to help preserve client's wealth. ~ In-depth knowledge of financial...PersonalCashWork at officeRemote workRelocationMonday to Friday
- The Fraud Risk Manager within the Control and Oversight Group in Personal Wealth is responsible for developing and executing a forward-looking fraud roadmap that protects clients, safeguards business operations, and supports strong risk-informed decision-making across...PersonalFull time
$89k - $122k
...recommendations such as life insurance, savings plans, mutual funds, and other... ...goals, financial status, cash flow, and financial... ...are suitable based on client risk tolerance and financial objectives... ...success as a financial planner, personal financial advisor, financial analyst...PersonalCash- ...options with customers to reduce risks and losses. Works with... ...Evaluates asset or customer's cash flow, balance sheet, long-term... ...drug coverage (with a Health Savings Account feature), dental and vision... ...employment opportunity to qualified persons regardless of race, color, sex...PersonalCashFull timeTemporary workPart timeWork experience placementWork at officeRemote workWork from home
- ...skill set and location, commission‑based pay and discretionary incentive compensation, cash and/or equity, and a range of benefits covering health care, wellness, retirement savings, backup childcare, tuition reimbursement, mental health support, financial coaching and...PersonalCashImmediate startAfternoon shift
- ...experienced Senior Vice President / Managing Director to join its advisory team. This... ...UHNW families, delivering fully integrated wealth management solutions while contributing... ...goals. Cultivate new relationships through personal networks, centers of influence, and...PersonalFull timeWork at office
- ...for driving new revenue on behalf of FNB Wealth Management, within an assigned region. This... ...be offered and presented to the client. Personal Wealth Management with a focus on HNW... ...responsibility and the accountability to serve as risk managers for their businesses by...PersonalLocal area
- ...clients achieve what matters most. Schwab Wealth Advisory is a fee-based, non-... ...investment advisory solution built on trust, personalized service, and a fiduciary commitment to our... ...that aligns portfolios to client goals, risk tolerance, and long-term outcomes....PersonalWork at office
$110k - $130k
...maintenance of project and program budget forecasts, cash flows, and expenditure tracking. Monitor contractor... ..., dental, vision, disability, and life; retirement savings; paid sick leave; paid vacation (or other personal time); paid parental leave; and paid time off for...PersonalCashFor contractorsWork at office- ...transaction, per standard practice • Avoid personal conversations with other associates when... ...• Follow procedures in handling cash, checks, coupons, gift cards, partner cards... ...Service Manager or MOD • Ensure the MVP savings center KIOSK is filled with paper and properly...PersonalCashFlexible hours
- ...Private Wealth Advisor The Private Wealth Advisor provides world-class service to team... ...industry's regulatory standards to mitigate risk to the company. Requirements:... ...skills and keen attention to detail. Personal integrity and ability to discreetly handle...PersonalWork at officeLocal areaNight shift
- ...the financing, liquidity, and risk management solutions that... ...management strategies, including cash flow, balance sheet, and net... ...for management, the Board of Directors, and rating agenciesBuild and... ...support you professionally and personally.We are partners to one...PersonalCashFull timeWork at office
- ...state-of-the-art technology with a truly personal approach to eye care. Everything we do is... ...Problem solving ability Familiarity with cash register, computers and calculators Leadership... ...may include health care, retirement savings, paid time off/vacation, and various employee...PersonalCashMinimum wageFull timeLocal area
- ...or her name whenever possible • Avoid personal conversations with other associates when... ...using accounting packets; communicates all cash variances to the Assistant Customer Service... ...an efficient manner • Ensure the MVP savings center KIOSK is filled with paper and properly...PersonalCashWork at officeFlexible hours
- ...business-oriented Finance Manager to drive Free Cash Flow performance, working capital, and... ..., Flexible Spending Accounts, Health Savings Accounts, EAP, and Educational Assistance... ...Parental Leave, Paid Time Off (for vacation, personal business, sick time, and parental leave),...PersonalCashTemporary workFlexible hours
- ...including deposits, lending, cash management, payments, and investing... ...customer loyalty. Manages risk through adherence to all policies... ...drug coverage (with a Health Savings Account feature), dental and... ...employment opportunity to qualified persons regardless of race, color, sex...PersonalCashFull timeTemporary workPart timeWork experience placementWork at officeShift work
Do you want to receive more vacancies?
Subscribe and receive similar vacancies to Risk Director, Personal Wealth (Cash and Savings). Be the first to apply!
- operational risk manager Charlotte, NC
- risk management manager Charlotte, NC
- director credit risk Charlotte, NC
- risk management associate Charlotte, NC
- head of risk management Charlotte, NC
- enterprise risk manager Charlotte, NC
- risk management specialist Charlotte, NC
- director of risk management Charlotte, NC
- risk underwriter Charlotte, NC
- risk intern Charlotte, NC


