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The Baldwin Group is an award-winning entrepreneur-led and inspired insurance brokerage firm delivering expertly crafted Commercial Insurance and Risk Management, Private Insurance and Risk Management, Employee Benefits and Benefit Administration, Asset and Income Protection, and Risk Mitigation strategies to clients wherever their passions and businesses take them throughout the U.S. and abroad. The Baldwin Group has award-winning industry expertise, colleagues, competencies, insurers, and most importantly, a highly differentiated culture that our clients consider an invaluable expansion of their business. The Baldwin Group (NASDAQ: BWIN), takes a holistic and tailored approach to insurance and risk management. The Sr Client Service Specialist, Commercial Risk works closely with advisors, line-of-business specialists, and dedicated client servicing professionals to analyze client data, evaluate needs, and help create effective risk management solutions designed to meet clients’ financial goals. POSITION SUMMARY: The Sr. Client Service Specialist works closely with Advisors, Client Managers, and the Director of New Business Management to help facilitate the prospect to a new client via BOR, Submission or Risk Map in a timely and accurate manner PRIMARY RESPONSIBILITIES: Monitors the CRMG New Business Unit Inbox. Prepares and organizes submitted documents in Teams & EPIC. Creates Account Summaries to assist the New Business Team and Advisors in analyzing prospects current insurance program. Enters new Prospect into EPIC. Creates Activities & Policy/Marketing shells in EPIC to monitor the BOR, Submission & Risk Map process. Uploads Policies, Notes, Loss Runs, and necessary attachments into EPIC. Orders Loss Runs, as needed Creates Loss Summaries. Updates and maintains current carrier access spreadsheet. Records data in appropriate firm software programs. Completes special projects as assigned by Director or Client Managers. Looks for opportunities to improve the New Business Unit’s processes and procedures. Brings issues and discrepancies to the attention of appropriate leadership. EDUCATION AND EXPERIENCE REQUIREMENTS: Obtain/maintain a current state P&C license, as required by the State Department of Insurance to service client. A detail orientation and strong analytical, research and problem-solving skills. Strong verbal and written communications skills. Moderate to advanced knowledge of Microsoft Word, Excel, PowerPoint, and Outlook and the ability to learn any other appropriate insurance company and firm software systems. Able to prioritize multiple tasks. Must demonstrate core values, exuding behavior aligned with the firms’ culture. OTHER REQUIREMENTS: None SPECIAL WORKING CONDITIONS: Fast paced multi-tasking environment Hybrid position, onsite in Houston 2x per week IMPORTANT NOTICE: This position description is intended to describe the level of work required of the person performing in the role and is not a contract. The essential responsibilities are outlined; other duties may be assigned as needs arise or as required to support the organization. All requirements may be subject to reasonable accommodations to applicants and colleagues who need them for medical or religious reasons. EEOC (STATEMENT): BRP is an equal employment opportunity firm and strives to comply with all laws prohibiting discrimination based on race, color, religion, age, sex (including sexual orientation and gender identity), national origin or ancestry, disability, military status, marital status, and any other category protected by federal, state, or local laws. All such discrimination is unlawful, and all persons involved in the operations of the firm are prohibited from engaging in this conduct. #LI-SB1 #LI-HYBRID IND1 Click here for some insight into our culture! The Baldwin Group will not accept unsolicited resumes from any source other than directly from a candidate who applies on our career site. Any unsolicited resumes sent to The Baldwin Group, including unsolicited resumes sent via any source from an Agency, will not be considered and are not subject to any fees for any placement resulting from the receipt of an unsolicited resume.

Firm Risk Management Morgan Stanley's Firm Risk Management (FRM) Division is an exciting and rapidly growing space. We support Morgan Stanley to achieve its business goals by partnering with business units across the Firm to realize efficient risk-adjusted returns, acting as a strategic advisor to the Board and protecting the Firm from exposure to losses as a result of credit, market, liquidity, operational, model and other risks. Background on the PositionThe role will reside within the Firm Risk Management's Risk Analytics area. Risk Analytics develops market risk analytics, credit risk analytics and scenario analytics models providing quantitative analysis on the Firm's risk exposures. By developing mathematical and statistical models, Risk Analytics calculates the risks associated with specified sets of financial positions and day-to-day operations. Morgan Stanley is seeking a Vice President in its Market Risk Analytics department with a focus on market risk RWA stress testing models. The Market Risk Analytics group develops, maintains, and monitors the performance of market risk (VaR, Stressed VaR, and IRC) and stress testing models for Morgan Stanley's portfolio of assets, as required by the regulatory framework and the Firm's risk management needs. The new hire will join the Market Risk Analytics team to undertake research, modelling, development, and analysis of various market risk models to ensure appropriate modelling and capture of risk, regulatory capital calculation, and ongoing compliance with regulatory requirements, including for the upcoming Fundamental Review of Trading Book (FRTB).Primary Responsibilities>* Develop and enhance market risk VaR, RNIV, IRC RWA stress testing models. >* Undertake research, modeling, development and analysis of these models to ensure appropriate modeling and capture of risk, regulatory capital calculation, and ongoing compliance with regulatory requirements including FRTB. >* Analyze and understand changes in risk metrics due to model and position changes to ensure the changes are as expected. >* Respond to model validation, audit, regulatory requests. >* Interact with various Risk departments within the Firm including Market Risk Capital, Market Risk, Model Risk Management and Risk IT. Experience>* Prefer a Master's degree in Quantitative Finance, Economics, Math/Physics/Engineering or a related field of study and five (5) years of relevant experience in a closely related occupation.>* Requires experience working with: VaR; Risks Not in VaR, IRC, VaR Stress Testing; IRC Stress Testing; Python/R; Regression techniques; SQL; Basel framework and upcoming FRTB rules>* Strong skills in Communication, Critical Thinking, and Problem Solving and Collaboration>* Curious about risk management, financial products, markets, and regulation>* Strong attention to detail and ability to provide information in usable formatsFirm Risk Management values diversity and is committed to providing a supportive and inclusive workplace for all employees. This role is hybrid and currently requires in office attendance 3 days/week. The in office requirement is subject to change at any time. WHAT YOU CAN EXPECT FROM MORGAN STANLEY: We are committed to maintaining the first-class service and high standard of excellence that have defined Morgan Stanley for over 89 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren’t just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you’ll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There’s also ample opportunity to move about the business for those who show passion and grit in their work. To learn more about our offices across the globe, please copy and paste https://www.morganstanley.com/about-us/global-offices​ into your browser. Expected base pay rates for the role will be between $120,000 and $205,000 year at the commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. Consequently, our recruiting efforts reflect our desire to attract and retain the best and brightest from all talent pools. We want to be the first choice for prospective employees. It is the policy of the Firm to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, religion, creed, age, sex, sex stereotype, gender, gender identity or expression, transgender, sexual orientation, national origin, citizenship, disability, marital and civil partnership/union status, pregnancy, veteran or military service status, genetic information, or any other characteristic protected by law. Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).

Kodiak Robotics, Inc. was founded in 2018 and has become a leader in autonomous ground transportation committed to a safer and more efficient future for all. The company has developed an artificial intelligence (AI) powered technology stack purpose-built for commercial trucking and the public sector. The company delivers freight daily for its customers across the southern United States using its autonomous technology. In 2024, Kodiak became the first known company to publicly announce delivering a driverless semi-truck to a customer. Kodiak is also leveraging its commercial self-driving software to develop, test and deploy autonomous capabilities for the U.S. Department of Defense. If you thrive on solving the hardest autonomy problems, we want you. This technically demanding role demands deep systems expertise, understanding of autonomy, mathematical rigor, and first-principles thinking to ensure safety in autonomous driving. You will own critical elements of our overall safety strategy to deliver safe, transformative autonomous trucking systems. The Systems Safety team is charged with an incredibly challenging task: how to make and prove that an autonomous truck is incredibly safe ( Each teammate is charged with owning a significant part of the overall safety story, whether it’s functional safety, probabilistic risk assessment, reliability engineering, building and running hardware-in-the-loop test rigs, defining and leading our structured testing campaigns, updating our safety case and documentation, and much more. This role offers the opportunities for creating unparalleled impacts, overcoming career-defining technical challenges, and significant professional and technical growth. What You'll Do: Write Python code to estimate risk using Bayesian probabilistic models in our Probabilistic Risk Assessment. Write C++ code to efficiently search for failure modes in insanely high-dimensional search spaces. Run simulations and perform analysis to generate risk-informed results that shape engineering priorities at the company. Pioneer new methods for practically achieving incredibly high safety levels in autonomous vehicles. Perform hazard analysis, risk assessments, and fault tree analysis. Collaborate cross-functionally to integrate safety throughout development. Develop and execute comprehensive validation strategies. Drive continuous improvement in safety processes and tools. What you’ll bring: Strong grasp of kinematics, dynamics, and modeling. Proficiency in Python, Matlab, C++, or C. Strong experience (you should have implemented or be able to explain) in multiple of these domains: Sensor Fusion and Object Tracking (e.g. Kalman filtering, particle filters, least squares estimation), Supervised Machine Learning Algorithms (Neural Networks, SVMs, kNN, linear regression, logistic regression, decision trees, etc.), Classical Computer Vision (e.g. edge detection, corner detection, extrinsic calibration, intrinsic calibration, optics), Motion Planning Algorithms, (e.g. A*, potential fields, RRT), Control algorithms (e.g. PID, non-linear phase-plane controllers, model predictive control) Strong grasp of probability and statistics. Familiarity with autonomy systems architectures Experienced in Systems Engineering V-Model Familiar with SOTIF & UL4600 Experience with any of ISO 26262, DO 178, IEC 61508 standards, particularly on the highest level of criticality (e.g. ASIL-D, DAL A, SIL 4). Experience performing safety analysis, such Fault Trees Analysis (FTA), Failure Mode Effects Analysis (FMEA), Hazard Analysis and Risk Assessment (HARA) What we offer: Competitive compensation package including equity and biannual bonuses Excellent Medical, Dental, and Vision plans through Kaiser Permanente, Anthem, and Guardian (including a medical plan with infertility benefits) Flexible PTO and generous parental leave policies Our office is centrally located in Mountain View, CA Office perks: dog-friendly, free catered lunch, a fully stocked kitchen, and free EV charging Long Term Disability, Short Term Disability, Life Insurance Wellbeing Benefits - Headspace, One Medical, Gympass, Spring Health Fidelity 401(k) Commuter, FSA, Dependent Care FSA, HSA Various incentive programs (referral bonuses, patent bonuses, etc.) The pay range listed below reflects the base salary in our SF/Silicon Valley location, across several internal levels. Actual starting pay will be based on job-related factors including: work location, experience, relevant training, education, skill level and performance during interview. Total compensation at Kodiak includes base pay, equity, bonus and a competitive benefits package California Pay Range $200,000 - $268,000 USD At Kodiak, we strive to build a diverse community working towards our common company goals in a safe and collaborative environment where harassment of any kind is strictly prohibited. Kodiak is committed to equal opportunity employment regardless of race, ethnicity, religion, gender identity, sexual orientation, age, disability, or veteran status, or any other basis protected by applicable law. In alignment with its business operations, Kodiak adheres to all relevant statutes, regulations, and administrative prerequisites. Accordingly, roles that carry more sensitive requirements may be limited to candidates that can satisfy additional scrutiny and eligibility for such positions may hinge on verification of a candidate’s residence, U.S. person status, and/or citizenship status. Should the position require, and Kodiak determines that a candidate’s residence, U.S. person status, and/or citizenship status necessitate an export license, bar the candidate from the position, or otherwise fall under national security-related restrictions, Kodiak will consider the candidate for alternative positions unaffected by such restrictions, under terms and conditions set forth at Kodiak’s sole discretion, or, as an alternative, opt not to proceed with the candidate’s application. If applicable, Kodiak may provide visa sponsorship for eligible candidates.

JOB REQUISITION Dallas Legal, Risk and Compliance Intern - 2027 LOCATION DALLAS ADDITIONAL LOCATION(S) JOB DESCRIPTION Are You Ready to Live Something Different with Protiviti? The Protiviti career provides an opportunity to learn, impact, and advance within a collaborative and inclusive culture. We hire curious individuals for whom learning is a passion. By teaming with our clients, we solve the business challenges a dynamic world presents and discover and implement innovative business solutions. We lean into our mission: We Care. We Collaborate. We Deliver. At every level, we champion leaders who live our values. Imagining our work as a journey, integrity guides our way, inclusion moves us forward together, innovation creates new destinations, and our commitment to success empowers us to deliver on our vision to be the most trusted global consulting firm. Are you inspired to make a difference? You've come to the right place. POSITION HIGHLIGHTS Legal, Risk and Compliance interns work with Protiviti’s clients, who are typically among the world’s leading companies. As an intern, you collaborate with the team to deliver client solutions for complex business problems these organizations face. Experience tells us that our future leaders need to be both knowledgeable and deep in an area of expertise but also versatile, having a broad range of capabilities and skill sets to solve today’s complex business problems. That’s why we focus on developing resources across our business, so you gain experience in different industries, grow your technical capabilities, and gain leadership qualities that will ensure your future success. Our culture is grounded in empowerment, teamwork, and problem-solving. At all career levels, we encourage innovation, seeking your ideas and insights. Our people care about one another; they coach, guide, and help each team member to be their very best. When you join our team, you will participate in Liftoff with Protiviti, our award-winning onboarding live-virtual experience with gamification embedded in the delivery. You will also attend The Intern Challenge, an experiential learning course that will help you transition successfully into your role as an intern. Protiviti’s internship is an innovative experience designed to take you on a journey to immerse you in our unique business and culture. Through our internship, you may work across various industries and engage in internal initiatives, all of which will fuel your curiosity, uncover hidden strengths, and prepare you for your career. During the internship, you will get a preview of Foundations, Protiviti’s innovative entry-level full-time career opportunity, which provides you with experiences and learning opportunities in business operations, consulting, data, relationship building, technology, and innovation. With each project, you receive hands-on training in a nurturing environment and interact with leaders across our practice. Talent Managers will assign specific project experiences that support career growth, your skills, and the needs of the business. A network of advisors will help you navigate challenges and celebrate milestones. There are opportunities to join committees, participate in employee network groups, enjoy social, civic, and networking activities to aid in building meaningful relationships across the firm and in the community. Legal, Risk and Compliance interns develop knowledge in core business processes within the financial services, technology, and healthcare industries. Interns will work within internal control and risk frameworks, as well as regulator and compliance methodologies. Legal, Risk and Compliance interns will help develop key deliverables, including process flows, work programs, reports, and control summaries. Interns will review transactions to provide process improvement recommendations and address legal, risk and compliance challenges as needed. Legal, Risk and Compliance interns will work within various segments, including but not limited to financial crime and anti-money laundering, risk management, credit services, regulatory compliance and consumer protection, analytics, and legal consulting. Meaningful onboarding. Impactful training. Foundational learning. These experiences define Protiviti’s award-winning internship – an experience that builds upon your skills and knowledge and enables you to thrive professionally. QUALIFICATIONS Degree : Bachelor’s, Master’s, or Juris Doctor, degree in a relevant discipline (e.g., Accounting, Applied Math, Criminal Justice, Data Analytics, Economics, Finance, Law and Policy, Legal Studies, Management, Management Information Systems, Mathematics, Pre-Law, Political Science and Statistics) Visa Status : All applicants applying for U.S. job openings need authorization to work in the United States for Protiviti without sponsorship now or in the future Graduation Status : Must be within one year of final graduation at the time of internship Experience solving problems using AI-powered productivity and collaboration tools (i.e. Microsoft Copilot, GenAI, etc.) Advanced verbal and written communication skills Ability to apply critical thinking skills and innovation to client engagements across various industries Technical proficiency aligning to assigned capability area WHAT MAKES YOU SUCCESSFUL Working in teams, as well as independently Being creative and analytical Passionate about evaluating, synthesizing, organizing, and interpreting data and information Ability to self-motivate and take responsibility for personal growth and development Desire to learn and a receptiveness to feedback and mentoring Drive towards obtaining professional certifications and a strong academic background Relevant experience with specific skills: Familiarity of banking, compliance, insurance, legal innerworkings, and asset management related processes and issues Ability to convey complex concepts to technical and non-technical audience Using technology tools to create finished products and for analyzing large data sets OUR HYBRID WORKPLACE Protiviti practices a hybrid model, which is a combination of working in person with a purpose and working remotely. This model creates meaningful experiences for our people and our clients while offering a flexible environment. The ratio of remote to in-person requirements vary by client, project, team, and other business factors. Our people work both in-person in local Protiviti offices and on client sites, which can include local or out-of-state travel based on our projects and client requests and commitments. Interns do not accrue company paid time off (Choice Time Off), and we expect that interns will be available to complete work in the designated location during business hours for the entire duration of the Internship. APPLICATION PROCESS Apply at www.protiviti.com/careers . Note: Students may apply for only one location or solution. Duplicate applications will not be accepted. Applicants must be 18 years of age at the time of the internship to be considered. #LI-DNI T he hourly rate for this position is below. $28/hr-$38/hr Interns participate in a variety of professional development opportunities and are eligible for paid holidays that occur within the duration of the internship, Protiviti’s 401(k) plan, Employee Assistance Program, Matching Gifts Program, and various discounts through PerkSpot. Protiviti is an Equal Opportunity Employer. M/F/Disability/Veteran As part of Protiviti’s employment process, any offer of employment is contingent upon successful completion of a background check. Protiviti is committed to being an equal employment employer offering opportunities to all job seekers, including individuals with disabilities. If you believe you need a reasonable accommodation in order to search for a job opening or to apply for a position, please contact us by sending an email to HRSolutions@roberthalf.com or call 1.855.744.6947 for assistance. In your email please include the following: The specific accommodation requested to complete the employment application. The location(s) (city, state) to which you would like to apply. For positions located in San Francisco, CA: Protiviti will consider qualified applicants with criminal histories in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance. For positions located in Los Angeles County, CA: Protiviti will consider for employment qualified applicants with arrest or conviction records in accordance with the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act. Protiviti is not registered to hire or employ personnel in the following states – West Virginia, Alaska. Protiviti is not licensed or registered as a public accounting firm and does not issue opinions on financial statements or offer attestation services. JOB LOCATION TX PRO DALLAS

At Cardless, we’re building a credit card and loyalty platform that consumer businesses use to engage their customers. We’ve launched 14 credit cards, including for Alibaba and Qatar Airways. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products. We value curiosity, humility, and intensity — we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $90M in equity funding from top venture capital firms and angels. About the Job The Credit Risk Lead at Cardless will oversee credit risk management across all our partner brands. This includes leading initiatives around originations (such as credit policy, initial line assignment, and risk-based pricing), account management (e.g., CLI, CLD, Authorization), collections strategies, reporting, loss forecasting, and advanced analytics. In this role, you will develop and implement tools to scale risk management processes as we grow our partnerships.A strong sense of responsibility is key: you will foster open communication, address concerns proactively, and ensure adherence to policies and procedures. Additionally, you'll align with Cardless' risk appetite while balancing customer experience and operational objectives. As the company scales, you'll be accountable for identifying, managing, and reporting risks across all areas of the business. Responsibilities Lead the development and execution of credit risk strategies for both new and existing brand partners. Conduct advanced analytics, including customer segmentation, optimization, predictive analytics, and machine learning, to manage risk and detect fraud. Expand the data used in credit decisioning by leveraging proprietary risk models and evaluating third-party data sources. Build and maintain automated dashboards to track key performance indicators (KPIs) around originations and portfolio performance, presenting insights to senior management. Design and execute A/B tests to evaluate new strategies, balancing product performance with customer and partner satisfaction. Collaborate with the Compliance team to ensure all credit risk strategies align with fair lending regulations and principles. Develop and maintain loss forecasting models to predict charge-offs and recovery rates across different delinquency stages. Develop and maintain comprehensive Credit Policy manuals and underwriting procedures. Partner closely with Engineering, Product, and Operations teams to assess operational feasibility and launch MVPs, iterating quickly based on performance. Requirements Bachelor's or Master’s degree in a STEM field or Economics, with a focus on data-driven problem solving (preferred). 7+ years of experience in credit risk within the consumer credit industry. 4+ years of hands-on experience using R, Python, SAS, and SQL to analyze large, complex datasets. 2+ years of experience in quantitative analysis within a fintech startup. Strong knowledge of the consumer credit landscape and familiarity with fair lending regulations such as ECOA, FCRA, and TILA. Proficiency with BI/data visualization tools (e.g., PowerBI, Tableau) to create clear, actionable dashboards. Experience designing and implementing A/B testing to assess new strategies. Familiarity with data pipelining, data modeling, and ETL processes. Ability to thrive in a fast-paced, high-volume environment while managing multiple tasks simultaneously. Strong communication and presentation skills, with the ability to convey complex analyses clearly. Experience working with banking partners and third-party data vendors is a plus. This role has an annual starting salary range of $160,000 - $200,000 + equity + benefits (see below). Actual compensation is influenced by a wide array of factors including but not limited to skills, experience, and specific work location. Benefits We're headquartered in San Francisco, CA, with a beautiful office in the Mission District. We're proud to offer our team excellent benefits: 💸 Meaningful Start-up equity 🏥 100% health, vision & dental primary coverage ➕ 75% health, vision & dental dependent coverage 🍱 Catered lunches 🚎 $250/month Commuter benefit 👶 Parental leave ✈️ Team building events & happy hours 🌴 Flexible PTO with a minimum of 15 days off per year 🖥️ Apple equipment 💸 401k plan Location We're headquartered in San Francisco, CA, with a beautiful office in the Mission District (near Dolores Park). We welcome employees who want to work from this office; we offer additional benefits to those who do, and relocation assistance to those who'd like to. We regularly bring our team together for offsites & trips, about every 2 months, both for fun and for work. We cover all travel & lodging in these cases.

POSITION SUMMARY The PWM Senior Risk Officer is responsible for a wide variety of supervisory, compliance, and risk functions related to the Market. In conjunction with the Market Executive and other Risk Officers within the Market, the Senior Risk Officer has accountability in the Market for maintaining a consistent control environment through adherence of business ethics and practices and adherence to all applicable Federal, State and Local laws, Morgan Stanley Wealth Management policies, and other regulations. The Senior Risk Officer keeps the Market Executive informed of significant matters within the Market and must determine when the Market Executive, other Branch Managers within the Market and/or Regional Risk Officer should be directly involved. The PWM Senior Risk Officer role is a non-revenue sharing position that has dual straight line reporting to the Market Executive and Regional Risk Officer. DUTIES and RESPONSIBILITIES Surveillance and Supervision Primary responsibility for all risk, supervisory, and compliance functions for the Market Communicates and facilitates any supervisory inquiry or process that requires escalation from the Market to the Regional Risk Officer Focuses on business ethics and regulatory and compliance practices Provides the coaching and guidance on policies and procedures in order to promote risk awareness and a compliant environment within the Market Ensures proper procedures are in place to ensure that approvals are handled appropriately and timely Manages the Market Risk Officers within the Market to ensure consistent regulatory and compliance practices Ensures procedures are in place for self-audits. Risk Management/Compliance/Legal Monitors and implements procedures to manage all facets of risk, including data security, across the Market Facilitates regular and consistent communication of Morgan Stanley Wealth Management policies and other regulations Liaises with the Legal and Compliance Division with customer complaints and litigation Together with the Market Executive and Market Risk Officers, ensures appropriate supervisory coverage is maintained at all times across the Market as required by Firm policy. Oversees all responsibilities outlined in the Branch Supervisory Manual, as well as new policies to ensure the market has procedures in place. Is responsible for the preparation for and response to audits, and ensures that any audit findings are appropriately responded to and remediated Works with Market Executive and Market Risk Officers to monitor people risk, and ensures appropriate action is taken Responsible for proactive client contact within the Market in determining suitability and managing risk Active involvement with the region regarding matters presented to the Credit Committee Primary source for intelligence on risk in regard to clients and FAs Active involvement with margin and credit decisions Administrative Works closely with Special Investigation Unit on any Human Resources issues as related to risk and compliance Together with the Market Risk Officers in the Market, facilitates the training of all personnel on Morgan Stanley Wealth Management compliance policies and procedures Assists in the review and on boarding of FA recruits Education and/or Experience Bachelor’s degree required or equivalent education or experience Previous industry experience Active Series 3, 7, 8 (or 9 and 10), and 63, 65 (or 66) Other licenses as required for role or by management Knowledge/Skills Knowledge of SEC, FINRA and Firm Compliance Policies and Procedures Effective written and verbal communication skills Strong attention to detail Ability to prioritize and resolve complex problems and escalate as necessary Ability to identify issues and trends in order to anticipate change and provide recommended comprehensive solutions and remedies Evidence of strong leadership capabilities or previous supervisory experience Ability to organize and prioritize workflow and assignments in a deadline oriented environment Ability to interact with Financial Advisors and clients Excellent judgment and the ability to be discreet in all matters Strong work ethic Reports to Dual reporting: Market Executive and Regional Risk Officer Direct reports Market Risk Officers Expected base pay rates for the role will be between $200,000 and $220,000 per year at the commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs. WHAT YOU CAN EXPECT FROM MORGAN STANLEY: We are committed to maintaining the first-class service and high standard of excellence that have defined Morgan Stanley for over 89 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren’t just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you’ll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There’s also ample opportunity to move about the business for those who show passion and grit in their work. To learn more about our offices across the globe, please copy and paste https://www.morganstanley.com/about-us/global-offices​ into your browser. Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. Consequently, our recruiting efforts reflect our desire to attract and retain the best and brightest from all talent pools. We want to be the first choice for prospective employees. It is the policy of the Firm to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, religion, creed, age, sex, sex stereotype, gender, gender identity or expression, transgender, sexual orientation, national origin, citizenship, disability, marital and civil partnership/union status, pregnancy, veteran or military service status, genetic information, or any other characteristic protected by law. Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).

JOB REQUISITION New York Legal, Risk and Compliance Intern - 2027 LOCATION NEW YORK CITY ADDITIONAL LOCATION(S) JOB DESCRIPTION Are You Ready to Live Something Different with Protiviti? The Protiviti career provides an opportunity to learn, impact, and advance within a collaborative and inclusive culture. We hire curious individuals for whom learning is a passion. By teaming with our clients, we solve the business challenges a dynamic world presents and discover and implement innovative business solutions. We lean into our mission: We Care. We Collaborate. We Deliver. At every level, we champion leaders who live our values. Imagining our work as a journey, integrity guides our way, inclusion moves us forward together, innovation creates new destinations, and our commitment to success empowers us to deliver on our vision to be the most trusted global consulting firm. Are you inspired to make a difference? You've come to the right place. POSITION HIGHLIGHTS Legal, Risk and Compliance interns work with Protiviti’s clients, who are typically among the world’s leading companies. As an intern, you collaborate with the team to deliver client solutions for complex business problems these organizations face. Experience tells us that our future leaders need to be both knowledgeable and deep in an area of expertise but also versatile, having a broad range of capabilities and skill sets to solve today’s complex business problems. That’s why we focus on developing resources across our business, so you gain experience in different industries, grow your technical capabilities, and gain leadership qualities that will ensure your future success. Our culture is grounded in empowerment, teamwork, and problem-solving. At all career levels, we encourage innovation, seeking your ideas and insights. Our people care about one another; they coach, guide, and help each team member to be their very best. When you join our team, you will participate in Liftoff with Protiviti, our award-winning onboarding live-virtual experience with gamification embedded in the delivery. You will also attend The Intern Challenge, an experiential learning course that will help you transition successfully into your role as an intern. Protiviti’s internship is an innovative experience designed to take you on a journey to immerse you in our unique business and culture. Through our internship, you may work across various industries and engage in internal initiatives, all of which will fuel your curiosity, uncover hidden strengths, and prepare you for your career. During the internship, you will get a preview of Foundations, Protiviti’s innovative entry-level full-time career opportunity, which provides you with experiences and learning opportunities in business operations, consulting, data, relationship building, technology, and innovation. With each project, you receive hands-on training in a nurturing environment and interact with leaders across our practice. Talent Managers will assign specific project experiences that support career growth, your skills, and the needs of the business. A network of advisors will help you navigate challenges and celebrate milestones. There are opportunities to join committees, participate in employee network groups, enjoy social, civic, and networking activities to aid in building meaningful relationships across the firm and in the community. Legal, Risk and Compliance interns develop knowledge in core business processes within the financial services, technology, and healthcare industries. Interns will work within internal control and risk frameworks, as well as regulator and compliance methodologies. Legal, Risk and Compliance interns will help develop key deliverables, including process flows, work programs, reports, and control summaries. Interns will review transactions to provide process improvement recommendations and address legal, risk and compliance challenges as needed. Legal, Risk and Compliance interns will work within various segments, including but not limited to financial crime and anti-money laundering, risk management, credit services, regulatory compliance and consumer protection, analytics, and legal consulting. Meaningful onboarding. Impactful training. Foundational learning. These experiences define Protiviti’s award-winning internship – an experience that builds upon your skills and knowledge and enables you to thrive professionally. QUALIFICATIONS Degree : Bachelor’s, Master’s, or Juris Doctor, degree in a relevant discipline (e.g., Accounting, Applied Math, Criminal Justice, Data Analytics, Economics, Finance, Law and Policy, Legal Studies, Management, Management Information Systems, Mathematics, Pre-Law, Political Science and Statistics) Visa Status : All applicants applying for U.S. job openings need authorization to work in the United States for Protiviti without sponsorship now or in the future Graduation Status : Must be within one year of final graduation at the time of internship Experience solving problems using AI-powered productivity and collaboration tools (i.e. Microsoft Copilot, GenAI, etc.) Advanced verbal and written communication skills Ability to apply critical thinking skills and innovation to client engagements across various industries Technical proficiency aligning to assigned capability area WHAT MAKES YOU SUCCESSFUL Working in teams, as well as independently Being creative and analytical Passionate about evaluating, synthesizing, organizing, and interpreting data and information Ability to self-motivate and take responsibility for personal growth and development Desire to learn and a receptiveness to feedback and mentoring Drive towards obtaining professional certifications and a strong academic background Relevant experience with specific skills: Familiarity of banking, compliance, insurance, legal innerworkings, and asset management related processes and issues Ability to convey complex concepts to technical and non-technical audience Using technology tools to create finished products and for analyzing large data sets OUR HYBRID WORKPLACE Protiviti practices a hybrid model, which is a combination of working in person with a purpose and working remotely. This model creates meaningful experiences for our people and our clients while offering a flexible environment. The ratio of remote to in-person requirements vary by client, project, team, and other business factors. Our people work both in-person in local Protiviti offices and on client sites, which can include local or out-of-state travel based on our projects and client requests and commitments. Interns do not accrue company paid time off (Choice Time Off), and we expect that interns will be available to complete work in the designated location during business hours for the entire duration of the Internship. APPLICATION PROCESS Apply at www.protiviti.com/careers . Note: Students may apply for only one location or solution. Duplicate applications will not be accepted. Applicants must be 18 years of age at the time of the internship to be considered. #LI-DNI T he hourly rate for this position is below. $28/hr-$38/hr Interns participate in a variety of professional development opportunities and are eligible for paid holidays that occur within the duration of the internship, Protiviti’s 401(k) plan, Employee Assistance Program, Matching Gifts Program, and various discounts through PerkSpot. Protiviti is an Equal Opportunity Employer. M/F/Disability/Veteran As part of Protiviti’s employment process, any offer of employment is contingent upon successful completion of a background check. Protiviti is committed to being an equal employment employer offering opportunities to all job seekers, including individuals with disabilities. If you believe you need a reasonable accommodation in order to search for a job opening or to apply for a position, please contact us by sending an email to HRSolutions@roberthalf.com or call 1.855.744.6947 for assistance. In your email please include the following: The specific accommodation requested to complete the employment application. The location(s) (city, state) to which you would like to apply. For positions located in San Francisco, CA: Protiviti will consider qualified applicants with criminal histories in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance. For positions located in Los Angeles County, CA: Protiviti will consider for employment qualified applicants with arrest or conviction records in accordance with the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act. Protiviti is not registered to hire or employ personnel in the following states – West Virginia, Alaska. Protiviti is not licensed or registered as a public accounting firm and does not issue opinions on financial statements or offer attestation services. JOB LOCATION NY PRO NEW YORK CITY

If you are ready to join a company that truly cares about its employees, our members, and our community then you have come to the right place! Summary of Role: Executive responsibility and accountability for administering and continuously improving Broadview' s enterprise risk management (ERM) program. Support key strategic initiatives and work in partnership with a variety of business units to maintain a culture of compliance that reflects shared values, goals, and practices. Provide an independent risk perspective to help ensure that management' s business decisions are fully risk-informed and aligned with the Risk Appetite. Executive responsibility and accountability for developing, maintaining, and enhancing quantitative models and methodologies to measure, manage, and predict various enterprise risks. Employs a scenario planning approach to risk management using financial models to forecast best- and worst-case outcomes based on quantifiable variables. This is a highly visible position and works effectively with executives and business line owners. Essential Job Functions: General Delivers leadership and accountability to Broadview' s Chief Risk and Security Officer. Actively supports and promotes Broadview' s corporate culture and Purpose. Strategically attract, retain, and develop talent; craft and implement sustainable organizational capability via proactive succession planning and focus on diversity, equity, and inclusion. In all endeavors strives to be "more than fair. " Actively applies quality standards to all aspects of job responsibility, ensuring the highest possible level of member and internal customer service. Sets and maintains a high degree of individual performance and insists on same from others. Promotes individual development of staff and unity of effort to maximize productivity. Maintains close, collaborative working relationships with others for the benefit of the whole organization. Leads those who oversee daily operation of functions included in span of control. Monitors and follows-up on departmental activities, recommending and/or implementing changes in operation when appropriate. Ensures fiscally prudent development and on-going monitoring of budget for areas of responsibility. Carries out management responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems. Collaboratively engineer and implement Broadview' s Business Plan and related operating plans. Communicate those plans to staff and ensure organization's ability to respond effectively. Positively collaborates with others at all levels of the organization to include the C-level, executive level and senior management, external vendors, business partners and community groups. Actively participates in strategy, planning and the achievement of organizational goals and objectives. Leads, establishes, and implements priorities, performance goals and objectives to achieve key business results for the organization. Department Specific Model Development & Management: Designing, building, calibrating, testing, and monitoring risk and stress testing models. Work closely with internal finance and operations departments to ensure effective model deployment and maintenance. Conduct research to ensure modeling practices align with industry standards and regulatory expectations. Apply industry-standard statistical and mathematical techniques to analyze risk exposures. Leads centralized oversight of enterprise risk management; develops, implements, and enhances the enterprise risk management framework to identify, assess, and manage risks across the credit union. Establish and maintain the risk governance structure, ensuring a coordinated approach to risk identification, mitigation, and reporting. Collaborate with senior leadership and business units to integrate risk considerations into strategic planning and business objectives. Develop risk appetite/tolerance statements, ensuring alignment with the credit union’s financial stability and growth goals. Lead a corporate risk assessment process that identifies and quantifies risks, identifies and/or establishes key internal controls to those risks, and establishes ongoing monitoring via an enterprise Risk Register. Conduct enterprise-wide risk assessments, scenario analysis, and root cause analysis to identify vulnerabilities and emerging risks. Create a risk and solvency framework working with finance departments to model and assess enterprise risk scenarios and probabilities. Apply risk quantification to individual risks as well as across the entire risk register to get a full picture of the financial impact spread out across the organization to enable risk effective prioritization. In partnership with internal business owners, lead the development of key risk indicators (KRIs) and risk dashboards to proactively monitor and help manage enterprise risks. Implement and support risk control self-assessment (RCSA) processes to evaluate the effectiveness of internal controls. Help ensure operational and enterprise risk policies, procedures, and controls comply with NCUA, FFIEC, and other regulatory guidelines. Prepare dashboards, risk reports, and presentations for executive leadership, the Board of Directors, and regulatory agencies. Act as Data Steward for Risk, including responsibility for managing Governance Risk and Compliance (GRC) platforms and model validation. Serve as a subject matter expert in discussions with regulators, ensuring transparency in risk methodologies and compliance with regulatory frameworks. Monitor regulatory changes, emerging threats, and industry risk management advancements, ensuring the credit union remains compliant and resilient. Lead periodic stress testing of key risks, including scenario exercises, to ensure readiness for potential threats. Foster a risk-aware culture by providing guidance, training, and risk education across the organization. Lead and develop a team of risk management professionals, promoting a proactive and collaborative approach to risk management. Work closely with other risk leaders, including financial risk and compliance teams, to ensure an integrated risk management approach. Identify and implement process improvements within risk management services to achieve better efficiency and effectiveness. Minimum Qualifications: Bachelor’s Degree in related discipline and fifteen (15) years progressively responsible related experience; or equivalent combination of education and experience. Have one or more certifications in the following focus areas: Enterprise Risk Management, Internal Audit, and/or Internal Controls. Advanced quantitative skills, deep understanding of financial markets and products, and excellent communication abilities to convey complex risk insights to stakeholders. Strong technical skills in data, analytics, and data visualization tools. Strong understanding of risk frameworks and internal controls. Excellent verbal and written communication skills with the ability to communicate effectively across various departments and levels of the organization. Must have proven ability to prioritize projects and weigh the risks and rewards of impact on the credit union. Excellent leadership and time management skills required. Proficient in Microsoft Office (Outlook, Word, Excel, PowerPoint) Must possess the ability to influence others and provide guidance and consultation as a subject matter expert. Strong leadership and decision-making skills with the ability to influence senior executives and Board members. Expertise in enterprise, financial and operational risk assessment, monitoring tools, and risk mitigation strategies. Proficiency in risk management software, data analytics tools, and governance, risk, and compliance (GRC) platforms. Excellent attention to details, communication and presentation skills to effectively convey risk insights and recommendations. Ability to collaborate cross-functionally and build strong relationships across business units. Understand and comply with all applicable federal and state laws and regulations and Broadview’s policies and procedures. Starting Compensation: $160,000-$175,000-annually, plus a competitive benefits package. Bilingual individuals who are fluent in a second language in addition to English are highly encouraged to apply. We are an equal opportunity employer. We do not discriminate on the basis of race, creed, color, national origin, religion, sex, age, veteran status, disability, genetic information, gender identity , or any other protected class. Broadview FCU is committed to ensuring individuals with disabilities and/or those who have special needs participate in the workforce and are afforded equal opportunity to apply and compete for jobs. If you would like to contact us regarding the accessibility of our Website or need assistance completing the application process, please contact us at talentacquisition@broadviewfcu.com

The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status. Need Help? If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to Accessibility (accommodation requests only; other inquiries won't receive a response). Regular or Temporary: Regular Language Fluency: English (Required) Work Shift: 1st shift (United States of America) Please review the following job description: The Operational Risk Management Programs Risk Officer I - FRAUD RISK MANAGEMENT is a subject matter expert supporting the development, implementation and execution of core operational risk program(s) that identify, measure, monitor, assess, manage and report operational and fraud risks. This includes facilitating complex cross-functional initiatives that enable the proactive management of risks. ESSENTIAL DUTIES AND RESPONSIBILITIES Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time. Implement second line Fraud Risk Management Program including policy, procedures, systems, training, monitoring, and validation to oversee effective execution of the program across the Corporation. Provide guidance, subject matter expertise, and oversight on company's fraud risk management activities to ensure alignment with regulatory expectations and industry best practices. Promote fraud risk awareness throughout the corporation by assisting with training activities. Develop and maintain effective working relationships with stakeholders in all Business Units and second line functions. Stay abreast of emerging issues related to Risk Management, business process automation and design and other relevant disciplines and incorporate new learning into work processes. QUALIFICATIONS Required Qualifications: The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor's Degree or an equivalent combination of education and experience. 7 years of banking or related management experience. Possess and demonstrate strong operational risk management knowledge, leadership and decision-making skills. Excellent interpersonal skills with the ability to develop and maintain collaborative relationships with multiple stakeholders, and interact effectively with all levels of management Strong verbal and written communication skills, with the ability to present issues, observations, and recommendations Adept with Microsoft Office products Preferred Qualifications: Industry Certification such as Certified Fraud Examiner (CFE). Experience in establishing new Corporate operational fraud risk programs or initiatives with large, complex financial institutions. Experience in fraud risk consulting / strategic planning roles. General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist's generous benefit plans, please visit our Benefits site. Depending on the position and division, this job may also be eligible for Truist's defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work. Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace. EEO is the Law E-Verify IER Right to Work

Morgan Stanley is a leading global financial services firm providing a wide range of investment banking, securities, investment management and wealth management services. The Firm's employees serve clients worldwide including corporations, governments, and individuals from more than 1,200 offices in 43 countries. As a market leader, the talent and passion of our people is critical to our success. Together, we share a common set of values rooted in integrity, excellence, and strong team ethic. Morgan Stanley can provide a superior foundation for building a professional career - a place for people to learn, to achieve and grow. A philosophy that balances personal lifestyles, perspectives and needs is an important part of our culture. The National Risk Officer is responsible for a wide variety of supervisory, compliance and risk functions. In conjunction with the Senior Risk Officer (SRO) and the Associate/Regional Risk Officer (ARRO/RRO), the National Risk Officer has accountability for maintaining a consistent controlled environment through adherence of business ethics and practices and adherence to all applicable Federal, State and Local laws, Morgan Stanley Wealth Management policies, and other regulations. Additionally, the National Risk Officer keeps the Market and Region informed of significant matters and is a non-revenue sharing position that has dual reporting to the Head of the Centralized Review Unit (CRU) and the Associate Regional Risk Officer (ARRO). Finally, this position will support various risk and supervisory functions for a single Market and/or multiple Markets within a single Region and may provide Risk Officer coverage for functions specific to a single Market, a single Branch, or multiple branches within a Region. DUTIES AND RESPONSIBILITIES: Primarily responsible for all risk, supervisory, and compliance functions for respective branch location(s) Reviews and responds to a variety of supervisory alerts in a timely and sufficient manner Support increased Risk Officer workload due to remediation requirements, new FA/FAA recruits onboarding, etc. Fill coverage and/or resource gaps resulting from temporary Risk Officer attrition, shortages (e.g., turnover, resignations, etc.) Assist Markets during periods of high-volume supervisory alerts Manages and responds to senior or vulnerable adult, financial exploitation, diminished capacity, or other concerns affecting Morgan Stanley's senior or vulnerable clients Facilitates any supervisory inquiry or process that requires escalation from the Senior Risk Officer (SRO) and/or the Associate/Regional Risk Officer (ARRO/RRO) Provides coaching, guidance, and education to Financial Advisors on policies and procedures to promote risk awareness and a compliant environment Interview clients where necessary, and collaborates with internal partners in Legal, Compliance, Risk and Business to formulate adequate responses to close matters and/or pending supervisory alerts Liaises with the Legal and Compliance Division to respond to customer complaints and litigation Supports the preparation for and response to all branch exams and internal audits, and ensures that any audit findings are appropriately responded to and remediated National Risk Officers may travel to different Markets within the Region to provide support, as needed Bachelor's degree or equivalent work experience Previous industry experience Active Series 7, 8 (or 9 and 10), and 63, 65 (or 66) Other licenses as required for role or by management Strong knowledge of SEC, FINRA Rules and Regs including Investment and Product Knowledge Knowledge of applicable laws and regulations pertaining to senior or vulnerable adult matters preferred Effective written and verbal communication skills Ability to prioritize and resolve complex problems and escalate as necessary Ability to identify issues and trends in order to anticipate change and provide recommended comprehensive solutions and remedies Ability to organize and prioritize tasks and assignments in a deadline-oriented environment Ability to interact with Financial Advisors and clients Excellent judgment and the ability to be discreet in all matters Strong quantitative and analytical skills High motivation and energy with ability to develop strong working relationships A calm demeanor and ability to work on multiple tasks at one time Self-starter with a strong attention to detail Ability to work well with colleagues across a diverse range of working groups in a fast-paced environment Excellent problem-solving and business judgment Strong organizational, planning and time management skills Ability and willingness to voice ideas, in addition to following instructions Proficiency in MS Office, PowerPoint, Excel WHAT YOU CAN EXPECT FROM MORGAN STANLEY: We are committed to maintaining the first-class service and high standard of excellence that have defined Morgan Stanley for over 89 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren't just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you'll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There's also ample opportunity to move about the business for those who show passion and grit in their work. To learn more about our offices across the globe, please copy and paste https://www.morganstanley.com/about-us/global-offices into your browser. Expected base pay rates for the role will be between $120,000 - $165,000 per year at the commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs. Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. Consequently, our recruiting efforts reflect our desire to attract and retain the best and brightest from all talent pools. We want to be the first choice for prospective employees. It is the policy of the Firm to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, religion, creed, age, sex, sex stereotype, gender, gender identity or expression, transgender, sexual orientation, national origin, citizenship, disability, marital and civil partnership/union status, pregnancy, veteran or military service status, genetic information, or any other characteristic protected by law. Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One. Job Description The Corporate Audit Services (CAS) Senior Audit Project Manager is responsible for supporting the strategic direction, leadership, and coordination of CAS's Credit Risk Review cyclical risk-based audit plans. This role performs CAS's assurance activities over U.S. Bancorp's (USB) Credit Risk Review function. As an Independent Risk Review function, Credit Risk Review (U.S. Bancorp's loan review function) provides independent assessment and effective challenge of the Company's credit activities, including the quality of the Bank's loan portfolios (e.g., commercial, corporate, counterparty, retail, etc.) and credit related processes (credit policies, underwriting, loan administration, credit rating assignments, problem loan management, etc.). This role also supports the CAS Senior Audit Manager - Credit Risk in providing the Audit Committee and senior management with independent assurance and advisory services designed to evaluate and improve the effectiveness of credit risk management, control, and governance processes of USB. The Senior Audit Project Manager is primarily responsible for the completion of audit engagements related to credit risk (with an emphasis on loan review) with minimal supervision from senior managers. While this position may also involve supervising staff as needed, this position has no direct reports. The Senior Audit Project Manager is expected to perform and monitor progress of audit engagements against plan and schedule, assess work performed by audit engagement teams as applicable, engage in credit risk continuous monitoring activities, perform credit risk assessments, and provide business unit audit teams with advice/counsel over credit risk exposures (both wholesale and retail portfolios). Primary Responsibilities Completion of audit engagements, ensuring the highest quality work delivered timely. Perform audits to ensure work contains relevant facts to support audit scope and conclusions while adhering to internal audit policies and procedures. Reviewing issues to ensure potential exposures and significance are included, root causes are identified, and operationally effective and cost-effective actions to address those causes are developed into appropriate recommendations. Completing or assisting managers in planning audit engagements. Includes identifying and analyzing business processes, key risks and critical controls; interviewing auditees; determining audit scope; evaluating control design adequacy; and developing audit programs which provide sufficient guidance for testing control performance effectiveness and making evaluations which effectively achieve audit objectives. Assisting managers in reporting and wrap-up phases of audits. Includes appropriate disposition of issues and drafting audit reports which include issues. Monitoring progress of audit engagements against plan and schedule. Includes making necessary adjustments and promptly completing work paper reviews on a timely basis to ensure all issues are identified and dispositioned prior to report draft issuance. Providing on-the-job training for staff, particularly related to credit portfolios/products. Includes business knowledge of products, services, and delivery systems; company policies and procedures; applicable laws and regulations; and formal/informal control frameworks. Collaborating across the three lines of defense regarding business processes, risks, and controls. Coordinating audit activities by integrating other internal audit subject matter teams to ensure appropriate and efficient coverage of the business products, services and processes. Managing the team's workload to assist other audit teams when resources are needed for areas of higher risk. Performing other duties as requested by management. Basic Qualifications Bachelor's degree, or equivalent work experience Typically more than 10 years of applicable experience Preferred Skills/Experience Seven or more years of large bank credit/loan review experience through: past work in credit/loan review departments, internal audit loan review coverage, commercial loan underwriting departments at large banking institutions; regulatory agency loan review experience; or loan review experience at a large consulting firm. Strong knowledge of complex wholesale credit structures and processes (underwriting, loan structure, loan monitoring, credit risk rating, problem loan management, etc.). Strong knowledge of economic and industry events impacting banking credit portfolios. An understanding of internal audit activities and expectations around evidence gathering and documentation, risk identification and control testing, and general audit methodologies. Strong understanding of applicable laws, regulations, financial services, and regulatory trends that impact credit risk management, particularly related to credit review activities. Demonstrable experience over the following: Excellent verbal and written communication skills. Strong critical thinking and analytical skills. Proven leadership skills. Proven adaptability to changing priorities. Ability to manage multiple tasks and deadlines simultaneously. Relevant Financial Service Industry knowledge and understanding of Safety and Soundness expectations for large commercial banks Understanding of Institute of Internal Auditors (IIA) Standards and the common definition of internal controls. CIA, CPA, CRC, or other relevant professional designation or advanced degree is not required, but beneficial. Tag: INDMO This role requires working from a U.S. Bank location three (3) or more days per week. If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants. Benefits: Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours): Healthcare (medical, dental, vision) Basic term and optional term life insurance Short-term and long-term disability Pregnancy disability and parental leave 401(k) and employer-funded retirement plan Paid vacation (from two to five weeks depending on salary grade and tenure) Up to 11 paid holiday opportunities Adoption assistance Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law. E-Verify U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program. The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $133,365.00 - $156,900.00 U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies. Posting may be closed earlier due to high volume of applicants.

Job Family: Cyber Consulting Travel Required: None Clearance Required: Active Secret What You Will Do: Lead a team of up to 15 analysts in the delivery of detailed cybersecurity risk analysis and reporting project with a large federal agency. Prepare for cybersecurity risk assessments by performing detailed organizational research and analysis to determine potential business impacts. Conduct Tier 1 (organization) and Tier 2 (business/mission) level cybersecurity risk assessments in accordance with NIST Federal Information Processing Standards and Special Publications, OMB guidance, DHS Binding Operational Directives, and other regulatory authorities. Perform detailed quantitative and qualitative organizational research and analysis regarding cybersecurity risks (threats, vulnerabilities, likelihood, and impact). Identify and develop detailed actionable recommendations for remediating cybersecurity risks in alignment with the organization's defined risk tolerances and risk threshold. Gather threat and vulnerability information from internal and external information sharing forums and sources. Communicate cybersecurity risk assessment results through written narrative reports and executive-level presentations Identify, coordinate, track remediation, and monitor risk exposures. Evaluate cybersecurity program effectiveness in identifying, managing, and reducing risk. Collaborate cross-functionally with internal analysts and engage external stakeholders to build awareness of cybersecurity risk assessment initiatives. Leverage AP writing style to write and communicate detailed reports to support leadership decision making. Provide cybersecurity related expertise for identifying key performance indicators for monitoring the performance of the Departments cybersecurity program. Perform detailed quantitative and qualitative organizational research and analysis regarding cybersecurity risks (threats, vulnerabilities, likelihood, and impact). Identify and develop detailed actionable recommendations for remediating cybersecurity risks in alignment with the organization's defined risk tolerances and risk threshold. What You Will Need: An ACTIVE and CURRENT SECRET federal security clearance. Bachelor's Degree with a minimum of EIGHT (8) years of relevant experience, OR a Master's Degree with SIX (6) years of relevant experience. Excellent verbal and written communication skills, specifically in report writing. What Would Be Nice To Have: Experience with NIST Federal Information Processing Standards and Special Publications, CIO FISMA Metrics, OMB guidance, and other regulatory authorities. Experience working for or with the Department of State. Demonstrated experience in the areas of external client-facing management and/or consulting for large firms. Demonstrated experience communicating highly technical subject matter to a non-technical audience. Ability to thrive in complex, challenging, and deadline-driven environments. Willingness to participate in proposal development and other business development activities. The annual salary range for this position is $149,000.00-$248,000.00. Compensation decisions depend on a wide range of factors, including but not limited to skill sets, experience and training, security clearances, licensure and certifications, and other business and organizational needs. What We Offer: Guidehouse offers a comprehensive, total rewards package that includes competitive compensation and a flexible benefits package that reflects our commitment to creating a diverse and supportive workplace. Benefits include: Medical, Rx, Dental & Vision Insurance Personal and Family Sick Time & Company Paid Holidays Position may be eligible for a discretionary variable incentive bonus Parental Leave and Adoption Assistance 401(k) Retirement Plan Basic Life & Supplemental Life Health Savings Account, Dental/Vision & Dependent Care Flexible Spending Accounts Short-Term & Long-Term Disability Student Loan PayDown Tuition Reimbursement, Personal Development & Learning Opportunities Skills Development & Certifications Employee Referral Program Corporate Sponsored Events & Community Outreach Emergency Back-Up Childcare Program Mobility Stipend About Guidehouse Guidehouse is an Equal Opportunity Employer-Protected Veterans, Individuals with Disabilities or any other basis protected by law, ordinance, or regulation. Guidehouse will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of applicable law or ordinance including the Fair Chance Ordinance of Los Angeles and San Francisco. If you have visited our website for information about employment opportunities, or to apply for a position, and you require an accommodation, please contact Guidehouse Recruiting at 1-571-633-1711 or via email at RecruitingAccommodation@guidehouse.com. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodation. All communication regarding recruitment for a Guidehouse position will be sent from Guidehouse email domains including @guidehouse.com or guidehouse@myworkday.com. Correspondence received by an applicant from any other domain should be considered unauthorized and will not be honored by Guidehouse. Note that Guidehouse will never charge a fee or require a money transfer at any stage of the recruitment process and does not collect fees from educational institutions for participation in a recruitment event. Never provide your banking information to a third party purporting to need that information to proceed in the hiring process. If any person or organization demands money related to a job opportunity with Guidehouse, please report the matter to Guidehouse's Ethics Hotline. If you want to check the validity of correspondence you have received, please contact recruiting@guidehouse.com. Guidehouse is not responsible for losses incurred (monetary or otherwise) from an applicant's dealings with unauthorized third parties. Guidehouse does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Guidehouse and Guidehouse will not be obligated to pay a placement fee.

At EMC, we're all about working together to make an impact. As part of our team, you'll have the opportunity to grow, contribute, and gain experience that matters. We strive to be caring leaders, close partners, and responsive experts-always supporting each other to do our best work. Join us, and let's improve lives together. This position can be performed remotely with preference for candidates to be located in Charlotte NC, Detroit MI or Indianapolis IN Essential Functions: Services EMC's large account risk control portfolio within assigned region by conducting risk control surveys and services to our largest and most complex accounts. Oversees the delivery of risk control services within the assigned region, ensuring risk control field team members consistently provide high-quality, value-driven support to Large Account policyholders. Provides advanced, expert level consultation by completing or assigning other risk control team members according to skill set to deliver high-quality and technical on-site risk control surveys for both current and prospective policyholders across all EMC business areas, including niche markets. Produces detailed written reports and recommendations to support underwriting decisions, risk selection, and account retention efforts. Identifies key loss exposures to loss and recommends mitigation strategies, including removal or evaluation of existing controls when elimination is not feasible. Communicates the impact of identified exposures to Underwriting, quantifying deficiencies to support informed decisions on risk selection, pricing, terms, and conditions for highly complex large accounts. Designs and delivers strategic service plans for EMC's largest and most complex accounts, addressing key loss drivers and operational exposures. Provides expert-level consultation informed by data analysis, field observations, and collaborative engagement with clients and technical risk control staff to drive measurable risk improvement. Influences and guides insureds toward adoption of service plans and implementing tailored risk control recommendations. Provides advanced technical expertise and guidance to other risk control team members to include co-surveys, reviewing service plans, and completing quality control reviews on survey reports. Serves as a trainer to less experienced Risk Control team members at the discretion of Risk Control Services (RCS) leadership. Builds and leverages strong relationships with policyholders, underwriting, claims and agents in the large account sector, serving as a trusted advisor through the delivery of stewardship programs that reinforce value, support retention, and align risk control services with client needs. Actively participates in cross-functional meetings with Underwriting, Sales, and Claims to share insights, align service strategies, and strengthen renewal decision-making and account retention efforts. Promotes Risk Control capabilities in collaboration with Underwriting, Claims, and Sales through targeted agency engagement, including client visits, presentations at agency and industry association events, and other strategic outreach initiatives. Education & Experience: Bachelor's degree, preferably in a safety, engineering, industrial safety, fire protection related field or equivalent relevant experience Eight years of experience in risk control or safety role, or related experience Certifications such as ASP, CSP, ARM preferred Knowledge, Skills & Abilities: Good computer skills, including Microsoft Office Suite Advanced knowledge of industrial, construction, fire, and commercial automotive safety Excellent knowledge of various nationally recognized standards and codes, including OSHA, DOT and NFPA Advanced ability to understand and evaluate risk Excellent ability to identify and visualize potential loss exposures Strong problem-solving skills Strong customer service skills Self-motivated and highly organized Ability to work effectively with others, as well as independently Advanced to multi-task and prioritize to meet deadlines Excellent communication skills with the ability to influence and educate diverse audiences Travel required; approximately 50% with a mix of local and overnight travel. A valid driver's license with an acceptable motor vehicle report per company standards is required The hiring salary range for this position will vary based on geographic location, falling within either of the following: $101,677 - $145,733 or $112,094 - $160,670 A hiring range represents a subset of the full salary range. The actual salary will depend on several factors, including relevant education, skills, and experience of an applicant, geographic location, and business needs. For information relating to the benefits EMC Team Members receive as part of a comprehensive rewards package, please visit www.emcins.com/careers. Our employment practices are in accordance with the laws that prohibit discrimination due to race, color, creed, sex, sexual orientation, gender identity, genetic information, religion, age, national origin or ancestry, physical or mental disability, medical condition, veteran status, active military status, citizenship status, marital status or any other consideration made unlawful by federal, state, or local laws. All of our locations are tobacco free including in company vehicles.

Built on meritocracy, our unique company culture rewards self-starters and those who are committed to doing what is best for our customers. Brown & Brown's Risk Solutions team, formerly known as Beecher Carlson, is looking for a Risk Analyst to join the team in Atlanta, GA. The Risk Analyst will support the account teams by performing foundational risk analysis and delivering high-quality client service. This role builds core competencies in commercial insurance and serves as a launchpad for future growth within the Risk Solutions team. Responsibilities will include but are not limited to: Responsibilities: Assist in compiling underwriting information and performing initial risk analysis to support coverage placement and loss forecasting. Pull and organize claims data to support renewal preparation and discussions. Review insurance documentation (policies, endorsements, audits) for accuracy and assist in coordinating delivery to clients. Respond to routine client and carrier service requests via email, phone, and other channels, including documentation, billing, certificates, and claims coordination. Support Client Executives and Client Managers in the marketing process by preparing applications, submissions, and proposals. Participate in training sessions to build technical knowledge and maintain licensing requirements. Attend carrier meetings/functions as requested to observe and learn. Maintain confidentiality and follow company policies and procedures. Other duties as assigned. Qualifications: Bachelor's degree in Risk Management, Finance, Accounting, Marketing, or related field. 0-2 years of experience in commercial insurance or related business environment. Strong organizational and time management skills. Ability to work collaboratively and take direction. Excellent customer service and communication skills. Proficiency in Microsoft Office Suite. Teammate Benefits & Total Well-Being We go beyond standard benefits, focusing on the total well-being of our teammates, including: Health Benefits: Medical/Rx, Dental, Vision, Life Insurance, Disability Insurance Financial Benefits: ESPP; 401k; Student Loan Assistance; Tuition Reimbursement Mental Health & Wellness: Free Mental Health & Enhanced Advocacy Services Beyond Benefits: Paid Time Off, Holidays, Preferred Partner Discounts and more. Not reflective of all benefits. Enrollment waiting periods or eligibility criteria may apply to certain benefits. Benefit details and offerings may vary for subsidiary entities or in specific geographic locations. The Power To Be Yourself As an Equal Opportunity Employer, we are committed to fostering an inclusive environment comprised of people from all backgrounds, with a variety of experiences and perspectives, guided by our Diversity, Inclusion & Belonging (DIB) motto, "The Power to Be Yourself".

POSITION SUMMARY: The Risk Officer is responsible for a wide variety of supervisory, compliance, and risk functions. In conjunction with the Senior Risk Officer, the Risk Officer has accountability for maintaining a consistent controlled environment through adherence of business ethics and practices and adherence to all applicable Federal, State and Local laws, Morgan Stanley Wealth Management policies, and other regulations. The Risk Officer keeps the Senior Risk Officer informed of significant matters. The Risk Officer role is a non-revenue sharing position that reports to the Senior Risk Officer. DUTIES and RESPONSIBILITIES: Surveillance and Supervision Primary responsibility for all risk, supervisory, and compliance function for respective branch location(s) Facilitates any supervisory inquiry or process that requires escalation from the Senior Risk Officer and/or the Regional Risk Officer Focuses on business ethics and regulatory and compliance practices Provides coaching and guidance on policies and procedures in order to promote risk awareness and a compliant environment Ensure proper procedures are in place to ensure that approvals are handled appropriately and timely Risk Management/Compliance/Legal Monitors and implements procedures to manage all facets of risk, including data security Facilitates regular and consistent communication of Morgan Stanley Wealth Management policies and other regulations Liaises with the Legal and Compliance Division with customer complaints and litigation Together with the Complex Manager and Senior Risk Officer, ensures appropriate supervisory coverage is maintained at all times Oversees responsibilities outlined in the Branch Supervisory Manual, as well as new policies to ensure the Complex has procedures in place Supports in the preparation for and response to audits, and ensures that any audit findings are appropriately responded to and remediated Works with Complex Manager and Senior Risk Officer to monitor people risk, and ensures appropriate action is taken Responsible for proactive client contact in determining suitability and managing risk Active involvement with the region regarding matters presented to the Credit Committee Primary source for intelligence on risk in regard to clients and FAs Administrative Works closely with Special Investigation Unit on any Human Resources issues as related to risk and compliance. Together with the Senior Risk Officer facilitates the training on Morgan Stanley Wealth Management compliance policies and procedures. Assists in the review and on boarding of FA recruits Education and/or Experience Bachelor's degree required or equivalent education or experience Previous industry experience Active Series 7, 8 (or 9 and 10), and 63, 65 (or 66) Other licenses as required for role or by management Knowledge/Skills: Knowledge of SEC, FINRA and Firm Compliance Policies and Procedures Effective written and verbal communication skills Strong attention to detail Ability to prioritize and resolve complex problems and escalate as necessary Ability to identify issues and trends in order to anticipate change and provide recommended comprehensive solutions and remedies Evidence of strong leadership capabilities or previous supervisory experience Ability to organize and prioritize workflow and assignments in a deadline oriented environment Ability to interact with Financial Advisors and clients Excellent judgment and the ability to be discreet in all matters Strong work ethic Reports to: Reports to the Senior Risk Officer WHAT YOU CAN EXPECT FROM MORGAN STANLEY: We are committed to maintaining the first-class service and high standard of excellence that have defined Morgan Stanley for over 89 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren't just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you'll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There's also ample opportunity to move about the business for those who show passion and grit in their work. To learn more about our offices across the globe, please copy and paste https://www.morganstanley.com/about-us/global-offices into your browser. Expected base pay rates for the role will be between $120,000 - $165,000 per year at the commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. Consequently, our recruiting efforts reflect our desire to attract and retain the best and brightest from all talent pools. We want to be the first choice for prospective employees. It is the policy of the Firm to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, religion, creed, age, sex, sex stereotype, gender, gender identity or expression, transgender, sexual orientation, national origin, citizenship, disability, marital and civil partnership/union status, pregnancy, veteran or military service status, genetic information, or any other characteristic protected by law. Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).

Senior Operational Risk Associate Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: The Sr. Associate, Operational Risk for the Loss Events Management and Scenario Analysis team is responsible for the strategic development, implementation, and effective execution of the Operational Risk (OR) program, the key program elements of which cover: internal loss, external loss, risk assessment, business impact assessments, KRIs, scenario analysis / stress testing, training, awareness, and communication, issues and remediation planning, tracking, MIS and reporting, testing, compliance, and monitoring. Analyzes, measures performance, monitors trends, defines limits according for Corporate Banking Op Risk exposures in accordance to Risk Appetite. Assist in the ongoing oversight of Corporate Banking Operational Risk (OR) Framework in support of the first line of defense. Contributes to escalation, reporting, communication to Risk Governance Forums. Helps drive culture of risk awareness. Participates in the creation and delivery of OR business-tailored training. Supports the creation, management and development of OR program strategy, policies and models within the Corporate Banking Business. What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor's Degree or equivalent work experience in Business, Finance, Management, or equivalent field.- Required. 9+ Years Risk Management/Risk MIS- Required. 9+ Years Financial Services industry.- Required. Knowledge of regulatory stress testing (CCAR, CECL, etc.).- Preferred. Strong operational risk management principles, methodologies and tools, governance principles and activity preferably in a financial services technology environment. Ability to independently operate in a complex, matrixed environment; adept at delivering and maintaining productive working relationships across business, functions, geographies and lines of defense. Experience of operational risk losses and events program, risk and controls ( RCSA), scenario analysis and capital planning. Strong analytical capabilities to provide data-centric insights and adjust to multiple demands and competing priorities. Ability to direct, train and guide peers, subordinates and management. Ability to handle conflict resolution with other groups to ensure appropriate accounting guidance is followed. Ability to adjust to new developments/changing circumstances. Ability to convey a sense of urgency and drive issues/projects to closure. Ability to adapt and adjust to multiple demands and competing priorities. Excellent written and oral communication skills. Excellent analytical, organizational and project management skills. Strong project management skills. Certifications: No Certifications listed for this job. It Would Be Nice For You To Have: Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. Experience in Microsoft Office products. What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Base Pay Range Minimum: $93,750.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits- 2025 Santander OnGoing/NH eGuide (foleon.com) Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at TAOps@santander.us to discuss your needs.

Industry/Sector Banking and Capital Markets Specialism Financial Risk Management Level Director Job Description & Summary At PwC, our people in risk and compliance focus on maintaining regulatory compliance and managing risks for clients, providing advice, and solutions. They help organisations navigate complex regulatory landscapes and enhance their internal controls to mitigate risks effectively. In treasury risk management at PwC, you will focus on assessing and mitigating financial risks for clients, assisting in effective cash management and liquidity, and optimising capital allocation strategies. You will provide advice in risk analysis, hedging strategies, and regulatory compliance to help clients navigate the complexities of treasury operations. Translating the vision, you set the tone, and inspire others to follow. Your role is crucial in driving business growth, shaping the direction of client engagements, and mentoring the next generation of leaders. You are expected to be a guardian of PwC's reputation, understanding that quality, integrity, inclusion and a commercial mindset are all foundational to our success. You create a healthy working environment while maximising client satisfaction. You cultivate the potential in others and actively team across the PwC Network, understanding tradeoffs, and leveraging our collective strength. Examples of the skills, knowledge, and experiences you need to lead and deliver value at this level include but are not limited to: Lead in line with our values and brand. Develop new ideas, solutions, and structures; drive thought leadership. Solve problems by exploring multiple angles and using creativity, encouraging others to do the same. Balance long-term, short-term, detail-oriented, and big picture thinking. Make strategic choices and drive change by addressing system-level enablers. Promote technological advances, creating an environment where people and technology thrive together. Identify gaps in the market and convert opportunities to success for the Firm. Adhere to and enforce professional and technical standards (e.g. refer to specific PwC tax and audit guidance) the Firm's code of conduct, and independence requirements. As a member of the Risk & Regulatory Advisory team, you will advise financial institutions on a broad range of credit risk management topics including organization and governance; credit process optimization; risk rating model design, build and implementation; credit regulatory assessments; and Current Expected Credit Losses (CECL) process and tools. You will work on a team evaluating, designing, and implementing credit risk strategies to support our clients in addressing key market challenges. Job Requirements and Preferences: Basic Qualifications: Minimum Degree Required: Bachelor Degree Minimum Years of Experience: 10 year(s) Preferred Qualifications: Degree Preferred: Master Degree Preferred Fields of Study: Business Administration/Management, Statistics, Mathematics, Finance, Economics, Accounting Preferred Knowledge/Skills: Demonstrates thought leader-level abilities and/or a proven record of success in selling and delivering engagements with clients in the areas of credit-related activities and credit risk management, preferably in some combination of the following areas: Leading and/or playing a significant role in commercial and retail lending and credit process redesign initiatives, such as streamlining credit approval processes (including artificial intelligence), better aligning deal team execution and delivery to client segmentation schemes, implementing credit process redesign initiatives (e.g., target operating model for credit lifecycle), redesigning risk management organization or functional responsibilities, enhancing loan review processes, and/or enhancing loss mitigation/recovery processes; Managing credit risk processes, performing underwriting, credit analysis and assigning risk ratings (e.g., single, and dual risk rating frameworks), writing and reviewing risk management policies and procedures, 1st and 2nd line of defense experience; Developing, applying, and validating commercial and retail credit risk methodologies including obligor and facility risk rating (e.g., PD, LGD, EAD) models, pricing models, etc.; Creating and executing design and application of commercial and retail credit risk reporting and analytics in a financial services organization; Possessing knowledge of Allowance for Credit Losses, including methodology, models, and US GAAP requirements under Current Expected Credit Losses (CECL) and knowledge of IFRS 9; Selecting, implementing and/or using commercial and retail credit risk workflow, analytic tools - e.g., Moody's, S&P, nCino, and/or, reporting technologies; Demonstrating familiarity with commercial and retail credit regulatory guidance covering CECL, credit risk review systems, underwriting/annual reviews; and, Possessing completion of a formal credit training program; Demonstrates thought leader-level abilities and/or a proven record of success with designing and implementing process improvement solutions, leveraging PC applications including MS Office (Word, Excel, Access, PowerPoint), where applicable, including: Leveraging know-how of a wide range of commercial and retail loan types, including C&I, CRE, ABL, Leasing, Project Finance, Leveraged Lending, fund financing, etc.; Operating successfully as both an individual contributor and team member, identifying and addressing client needs. Preparing, coordinating, and delivering complex written and verbal materials to clients and senior management (e.g., PPT presentations, summary reports/ memos, oral presentations); Supervising teams to create a strong atmosphere of trust, seeking diverse views to encourage improvement and innovation, and coaching staff, including providing timely meaningful written and verbal feedback; Identifying and addressing client needs by building and maintaining trust (e.g., client relationship management); Considering cross-cultural differences, seeking diverse views to encourage improvement and innovation, and fostering a global mindset for the team; Demonstrating experience in working with and managing on-shore and off-shore teams; Demonstrating thorough ability to communicate project goals and objectives, project status and deliverables, building consensus and presenting standard industry practices/point of view effectively; and, Keeping leadership informed of progress and issues. Travel Requirements Up to 60% Job Posting End Date Learn more about how we work: https://pwc.to/how-we-work PwC does not intend to hire experienced or entry level job seekers who will need, now or in the future, PwC sponsorship through the H-1B lottery, except as set forth within the following policy: https://pwc.to/H-1B-Lottery-Policy . As PwC is an equal opportunity employer, all qualified applicants will receive consideration for employment at PwC without regard to race; color; religion; national origin; sex (including pregnancy, sexual orientation, and gender identity); age; disability; genetic information (including family medical history); veteran, marital, or citizenship status; or, any other status protected by law. For only those qualified applicants that are impacted by the Los Angeles County Fair Chance Ordinance for Employers, the Los Angeles' Fair Chance Initiative for Hiring Ordinance, the San Francisco Fair Chance Ordinance, San Diego County Fair Chance Ordinance, and the California Fair Chance Act, where applicable, arrest or conviction records will be considered for Employment in accordance with these laws. At PwC, we recognize that conviction records may have a direct, adverse, and negative relationship to responsibilities such as accessing sensitive company or customer information, handling proprietary assets, or collaborating closely with team members. We evaluate these factors thoughtfully to establish a secure and trusted workplace for all. The salary range for this position is: $155,000 - $410,000. Actual compensation within the range will be dependent upon the individual's skills, experience, qualifications and location, and applicable employment laws. All hired individuals are eligible for an annual discretionary bonus. PwC offers a wide range of benefits, including medical, dental, vision, 401k, holiday pay, vacation, personal and family sick leave, and more. To view our benefits at a glance, please visit the following link: https://pwc.to/benefits-at-a-glance

SENIOR MANAGER, RISK STRATEGY Current is a leading consumer fintech platform transforming financial access for everyday Americans with over five million members. We provide access to financial solutions that seamlessly work together to solve the needs of our members and enable all Americans to build better financial futures. Based in NYC, our results-driven environment drives us to build better products, grow faster and empower everyone on our team to have an impact on our business and mission to improve financial outcomes. ABOUT THE ROLE: We are looking for a Senior Manager to join our Fraud Strategy team. This role entails driving our fraud prevention, detection, and mitigation across the domains of onboarding, authentication, ATO, and account management processes. The key objectives of this role are to minimize financial losses and operational costs while enabling improved experiences and ensuring compliance. This is a critical role for the company at a time of rapid scale, and requires a leader with a business owner mentality and exceptional analytical skills. KEY RESPONSIBILITIES: Manage user risk prevention, detection, and mitigation strategies, including onboarding (KYC) and account access controls, ATO defenses, suspicious user prediction and monitoring, and account restrictions and closures, in order to drive Company and role objectives Develop strategy for risk capabilities (automated and manual) that will minimize risk, costs, and losses while enabling better customer experiences Forecast, manage and be accountable for total cost of user risk policies, including downstream customer outcomes and associated business impact Set and deliver the roadmap that includes end to end discovery, including exploratory analysis, business case development, experimental design, performance forecasting and monitoring, model development and monitoring, and incident management Collaborate with Engineering, Product, and Data teams and other internal and external partners to deliver the new capabilities, risk models and policies and policy changes on the Risk roadmap Leverage subject matter expertise in regulations and external partners / value chains e.g. KYC and authentication technologies in order to deliver business results. Identify and exploit emerging tools, capabilities, and/or data sources which will drive a strategic advantage for Current. Partner with Fraud Operations and Compliance teams to ensure compliance, including procedure documentation and adherence, regulatory / bank partner exams, and Issue management. ABOUT YOU: Fraud leader- Has experience in Fraud risk domain, including KYC and account management Critical thinker - you consider problems from all angles to remove bias and touch bottom on key assumptions Results-oriented- You ground contributions in real business and customer impact and prioritize effectively to maximize speed-to-impact. Process-oriented- You look for ways to improve repeated processes in order to deliver results more efficiently and effectively. Exceptional written and oral communication skills. You drive consensus through grounded arguments, interpersonal skills, and negotiation skills. Creative problem-solver - able to identify obstacles and investigate and present viable solutions Thrive when working in a fast-moving, ambiguous environment REQUIREMENTS: 6+ years of progressive experience in analytics functions, including at least 4-6 years as an individual contributor performing quantitative analysis Prior experience in user risk management is required Undergraduate Degree with a quantitative major in Statistics, Economics, Computer Science, Mathematics, or related field. Expert in exploratory and business analysis, experimental design, profitability drivers / unit economics Exceptional written and oral communication skills. Strong people leader and collaborator. Able to handle competing priorities and influence leadership decision-making. This role has a base salary range of $180,000.00 to $250,000.00. Compensation is determined based on experience, skill level, and qualifications, which are assessed during the interview process. Current offers a competitive total rewards package which includes base salary, equity, and comprehensive benefits. BENEFITS: Competitive salary Meaningful equity in the form of stock options 401(k) plan Discretionary performance bonus program Biannual performance reviews Medical, Dental and Vision premiums covered at 100% for you and your dependents Flexible time off and paid holidays Generous parental leave policy Commuter benefits Fitness benefits Healthcare and Dependent care FSA benefit Employee Assistance Programs focused on mental health Healthcare advocacy program for all employees Access to mental health apps Team building activities Our modern Chelsea-based office with open floor plan, stocked kitchen, and catered lunches

Industry/Sector Not Applicable Specialism IFS - Risk & Quality (R&Q) Management Level Senior Manager Job Description & Summary At PwC, our people in risk and compliance focus on maintaining regulatory compliance and managing risks for clients, providing advice, and solutions. They help organisations navigate complex regulatory landscapes and enhance their internal controls to mitigate risks effectively. Those in enterprise risk management at PwC will focus on identifying and mitigating potential risks that could impact an organisation's operations and objectives. You will be responsible for developing business strategies to effectively manage and navigate risks in a rapidly changing business environment. Growing as a strategic advisor, you leverage your influence, expertise, and network to deliver quality results. You motivate and coach others, coming together to solve complex problems. As you increase in autonomy, you apply sound judgment, recognising when to take action and when to escalate. You are expected to solve through complexity, ask thoughtful questions, and clearly communicate how things fit together. Your ability to develop and sustain high performing, diverse, and inclusive teams, and your commitment to excellence, contributes to the success of our Firm. Examples of the skills, knowledge, and experiences you need to lead and deliver value at this level include but are not limited to: Craft and convey clear, impactful and engaging messages that tell a holistic story. Apply systems thinking to identify underlying problems and/or opportunities. Validate outcomes with clients, share alternative perspectives, and act on client feedback. Direct the team through complexity, demonstrating composure through ambiguous, challenging and uncertain situations. Deepen and evolve your expertise with a focus on staying relevant. Initiate open and honest coaching conversations at all levels. Make difficult decisions and take action to resolve issues hindering team effectiveness. Model and reinforce professional and technical standards (e.g. refer to specific PwC tax and audit guidance), the Firm's code of conduct, and independence requirements. The Opportunity As part of the Risk and Compliance team you will negotiate risk, legal, and commercial terms in services contracts with PwC's clients. As a Senior Manager, you will lead large projects and innovate processes, focusing on achieving operational excellence while interacting with clients at a significant level to drive project success. This role offers the chance to leverage your knowledge in contract negotiations and build trust-based relationships with stakeholders, contributing to the overall success of our firm. Responsibilities Work with risk management and business teams to assess contract performance risks Educate stakeholders on contract provisions and compliance requirements Facilitate discussions with clients' legal and procurement teams during negotiations Develop and implement internal controls to promote adherence to contract terms Drive continuous improvement initiatives within the Risk and Compliance team What You Must Have High School Diploma At least 6 years of experience managing contract negotiations of increasing complexity What Sets You Apart Juris Doctorate preferred Demonstrating thorough team leadership abilities Leading complex commercial contract negotiations Reviewing and analyzing risk and legal terms Understanding managed services offerings and contract conditions Exercising problem-solving mentality in negotiations Communicating effectively to influence stakeholders Proactively spotting issues and driving projects forward Travel Requirements Up to 20% Job Posting End Date Learn more about how we work: https://pwc.to/how-we-work PwC does not intend to hire experienced or entry level job seekers who will need, now or in the future, PwC sponsorship through the H-1B lottery, except as set forth within the following policy: https://pwc.to/H-1B-Lottery-Policy . As PwC is an equal opportunity employer, all qualified applicants will receive consideration for employment at PwC without regard to race; color; religion; national origin; sex (including pregnancy, sexual orientation, and gender identity); age; disability; genetic information (including family medical history); veteran, marital, or citizenship status; or, any other status protected by law. For only those qualified applicants that are impacted by the Los Angeles County Fair Chance Ordinance for Employers, the Los Angeles' Fair Chance Initiative for Hiring Ordinance, the San Francisco Fair Chance Ordinance, San Diego County Fair Chance Ordinance, and the California Fair Chance Act, where applicable, arrest or conviction records will be considered for Employment in accordance with these laws. At PwC, we recognize that conviction records may have a direct, adverse, and negative relationship to responsibilities such as accessing sensitive company or customer information, handling proprietary assets, or collaborating closely with team members. We evaluate these factors thoughtfully to establish a secure and trusted workplace for all. Applications will be accepted until the position is filled or the posting is removed, unless otherwise set forth on the following webpage. Please visit this link for information about anticipated application deadlines: https://pwc.to/us-application-deadlines The salary range for this position is: $91,000 - $321,500. Actual compensation within the range will be dependent upon the individual's skills, experience, qualifications and location, and applicable employment laws. All hired individuals are eligible for an annual discretionary bonus. PwC offers a wide range of benefits, including medical, dental, vision, 401k, holiday pay, vacation, personal and family sick leave, and more. To view our benefits at a glance, please visit the following link: https://pwc.to/benefits-at-a-glance