Join our mission to create a completely new, 100% digital bank that uses consumer feedback to truly meet customers’ best interests. Jenius Bank, a division of SMBC MANUBANK, and a member of SMBC Group, is being built by a close-knit and fun-loving team of financial services professionals and technology experts who came together for the challenge of building a full-service digital bank from scratch. We’re committed to doing it the right way for the customer and are growing rapidly. To learn more about our relationship to our parent company, visit our website. The anticipated salary range for this role is between $85,000.00 and $131,000.00. The specific salary offered to an applicant will be based on their individual qualification, experiences, and analysis of current compensation paid in their geography and the market for similar roles at time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC MANUBANK offers a competitive portfolio of benefits to its employees. . Jenius Bank is strategically scaling up a portfolio of products and building extraordinary experiences. In 2023, we launched our first two products reaching $1 billion in deposits and over $700 million in loans, all before Jenius Bank’s first anniversary. We don’t plan to slow down, with ambitious growth plans and the capital necessary to execute a multi-year strategic plan. We have a start-up mindset paired with SMBC Group’s 400 years of history. SMBC Group has more than 150 offices and 86,000 employees worldwide in nearly 40 countries and is committed to creating new business to better serve customers in the rapidly evolving digital environment. Join us on the journey that has caught the attention of the Banking Dive, and more to reinvent banking where smarter banking translates to a richer life. **SUMMARY:** Imagine being part of the new Jenius Bank : SMBC Manubank Digital Business Unit (DBU). We have a great opportunity for an innovative and effective Business Control Officer (Associate) to join its Business Control Office (BCO) team. In this role you will help to build and drive the BCO programs and governance structure for a proactive management of risk to support new ventures, whilst leveraging modern technology capabilities. This role will support Retail products’ (Unsecured loans & Deposits) processes and could be based in Charlotte, NC, Phoenix, AZ or potentially remote, and you will report into the ED, Business Control Officer. **PRINCIPAL DUTIES AND RESPONSIBILITIES:** + Leads and provides expert guidance on assessment of processes and controls across the end-to-end transaction lifecycle, proactively assessing threats, vulnerabilities, and possibility of future incidents + Performs process re-engineering to improve efficiency and strengthen controls within the Jenius Bank + Performs risk management framework and related risk assessments of Jenius Bank’s processes + Support 1st LoD via performance of issue management & root cause analysis + Assess business-unit level key metrics to ensure operational effectiveness, establish and manage Jenius Bank level metrics + Provides education for Jenius Bank staff to ensure awareness of and adherence to policies, standards, and procedures, disseminating best-practice guidance + Oversee 1st LoD activities and assist specialized domain SMEs (e.g., IT Risk, Data Governance) in the implementation of their programs within Jenius Bank + Supports the Jenius Bank management team (incl. new product development) through identification of risk & control considerations, as well as definition & operationalization of risk mitigants + Ensure that risk management considerations are embedded in Jenius Bank processes and strategy **POSITION SPECIFICATIONS:** + Bachelor’s degree required or equivalent experience, MBA/MA/MS in a relevant discipline a plus. + 3-6 years of specialized experience in Financial Services + 3-6 years of experience in a similar role in Consumer Banking in Enterprise/ Operational Risk or Business Control experience + 1st and 2nd LOD and Consumer Lending experience desired and Credit Card experience a plus + Experience with executing operations risk assessment/testing methodologies evaluating the adequacy and efficiency of internal controls; and identifying issues resulting from internal and or external examinations + Must have strong interpersonal skills to interface with all levels of management, as well as good analytical and communication skills. + Working knowledge of regulatory requirements for Consumer Lending preferred + Strong leadership and communication ability, inclusive of conflict resolution and project management abilities + Consumer Lending experience ideally in building new product or start up type environment **EOE STATEMENT** SMBC provides reasonable accommodations during candidacy for applicants with disabilities consistent with applicable federal, state, and local law. If you need a reasonable accommodation during the application process, please let us know at accommodations@smbcgroup.com. **CCPA DISCLOSURE** Personal Information Collection Notice: This notice contains information under the California Consumer Privacy Act (CCPA) about the categories of personal information (PI) of California residents that SMBC MANUBANK collects and the business or commercial purpose(s) for which the PI may be used. We do not sell PI. More information about our collection and use of PI may be found in our CCPA Privacy Policy at https://www.smbcmanubank.com/privacy/ccpa-disclosure . Persons with disabilities may contact our Customer Contact Center toll-free at (877) 560-9812 to request the information in this Notice in an alternative format.