Sr. Manager, Risk Consultant – BTS Governance, Risk & Oversight

Your Opportunity At Schwab, effective risk management enables growth. Our BTS Governance, Risk and Oversight team partners with business leaders to deliver scalable, well-governed solutions that support critical business objectives while maintaining client trust and regulatory compliance. As Sr. Manager, Risk Consultant , you will support the execution of risk management activities for Banking & Trust Services products and processes. In this individual contributor role, you will serve as a trusted advisor to business leaders and partner across first-line, second-line, and third-line of defense stakeholders to strengthen the risk and control environment, drive accountability, and enable informed business decision-making.

What You’ll Do Using your risk management expertise and understanding of cash products and platforms , you will:

Lead the execution of core risk management activities, including risk and control self-assessments (RCSA), issue management, and risk metrics. Serve as a trusted advisor to business leaders by providing risk-based guidance that supports strategic objectives while maintaining a strong control environment. Partner with business, technology, compliance, legal and risk stakeholders to identify key risks, evaluate control effectiveness, and drive remediation of control gaps. Lead risk assessments and facilitate risk management activities across multiple products, processes or business functions. Translate enterprise risk framework requirements, regulatory expectations and policy/standard requirements into practical, actionable guidance for the business. Analyze key risk indicators, business metrics, issues and trends to identify emerging concerns and recommend actions that improve business outcomes. Drive effective issue identification, escalation, remediation, and validation activities while ensuring sustainable solutions are implemented. Support regulatory examinations, audits, risk reviews, and other oversight activities by coordinating responses, preparing materials, and managing remediation efforts. Lead or contribute to strategic initiatives, business transformations, and new product or service activities by providing risk expertise throughout planning and execution. Develop and enhance risk management processes, procedures, and tools to improve effectiveness, consistency, and operational efficiency. Communicate complex risk issues, recommendations, and outcomes to leadership audiences in a clear, concise, and actionable manner.

What you have Required Qualifications:

6+ years of experience in risk management, banking, financial services, audit, compliance, operational risk, or a related discipline. Strong knowledge of risk management frameworks, governance practices, control design, issue management, and banking or financial regulatory expectations. Experience leading cross-functional initiatives and influencing decisions across business, technology, and control functions. Demonstrated ability to assess complex risks, analyze data, and develop practical solutions to business and control challenges. Experience preparing and presenting risk-related information to leadership audiences. Strong project management, organizational, and problem-solving skills. Excellent verbal and written communication skills with the ability to simplify complex concepts for diverse audiences. Bachelor's degree required.

Experience supporting regulatory examinations, internal audits, or enterprise risk programs. Advanced knowledge of risk assessment methodologies, control testing, issue management, and risk reporting. Experience leading large-scale initiatives, or enterprise-wide risk management activities. Banking/financial services industry experience preferred. Relevant professional certification (e.g., CRCM, CIA, FRM, PMP) is a plus.