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Firm Risk Management Firm Risk Management (FRM) supports 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, model, and other risks. Background on the Position The role will reside within the Firm Risk Management's Credit Risk Management department, which is responsible for the independent identification, evaluation, monitoring of credit risk associated with Morgan Stanley's ISG (Institutional Securities Group) lending and trading activities. The Latin America Credit team has a footprint located across New York, Mexico and Sao Paulo. The position covers credit risk management in Latin America, including loan and derivative products with primary focus on LatAm corporates (ex-Brazil). The role is located in New York in a multi-disciplinary team with extensive interaction with Businesses Units, senior management, and other control groups. Primary Responsibilities: Responsibilities will vary depending on workflows and typically will include: - Fundamental Research & Credit Analysis: Assist in the evaluation of counterparty credit quality to assign probability of default and recovery ratings and set risk limits. Spread financial statements, calculate relevant financial metrics, and analyze results/draw conclusions on financial performance and trends. - Backlog Management and Risk monitoring: Maintain and prepare credit reviews of assigned portfolio current. Monitor portfolio's credit performance, news, developments, and rating actions and recommend credit actions. - Support Trade Evaluation & Approval: Assist in responding to trader requests to evaluate derivative transactions and open trading accounts with new counterparties. Assist with exposure analysis, evaluation of legal and documentation requirements, and the negotiation of credit terms. Maintain record keeping of approvals. - Support Loan Evaluation & Approval: Assist in the evaluation of banking requests for lending to regional corporates and financial institutions. Evaluation includes fundamental credit analysis and financial modeling, preparing credit committee presentation and presenting case to internal approvers and capital commitment committee. - Sector Analysis: Evaluate industry trends and recommend action plans to manage sector and individual name exposure based on the outlook. - Regulatory Exercises: Review and draft documentation for regulatory reviews and exams. Experience - Undergraduate degree, preferably in Finance, Accounting, Business Administration or Economics. Advanced degrees and/or CFA certification are not required but considered a plus. - +5 years of credit-related experience in financial services. - Familiarity with capital markets products, including securities, OTC derivatives, secured financing transactions and loans. - Prior corporate credit analysis experience, familiarity with the region (LatAm), and understanding of certain sectors and products (e.g., Energy, Commodities) is highly desired. - Experience with financial modeling. - Fluency or proficiency in English and Spanish; Portuguese is a plus. - Proactive and detail-oriented with strong collaboration, problem solving, and oral/written communication and presentation skills. - Proficiency in Microsoft Office Applications. 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. Expected base pay rates for the role will be between $85,000 and $140,000 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).

Firm Risk Management Firm Risk Management (FRM) supports 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, model and other risks. Background on the Position The role will reside within the Firm Risk Management's Credit Risk Management department. Our mission is to serve as an independent agent to set consistent principles and disciplines for risk management, act as strategic advisor to Firm management for setting risk appetite and allocating capital and be an industry leader to influence and meet regulatory standards. We are seeking a Product Owner in the Credit Risk Agile Fleet (Agile is a technology development methodology) based in New York. The successful candidate will be part of a team that delivers innovative technology. The role encompasses extensive interaction with global members of Credit Risk (Credit Officers and Credit Associates along with the team of Leads, Product Owners, Scrum Masters) as well as members of technology across Institutional Securities Group (ISG) and Wealth Management. Primary Responsibilities: Be a change agent supporting the transformation to Agile while collaborating with stakeholders to deliver products and outcomes to users. Leverage leadership skills to partner with squad members to develop and manage goals. Responsibility to prioritize and manage work to achieve business outcomes, clearly articulating what needs to be done and in what order. Define and communicate acceptance criteria based on business user needs. Work closely across teams (squads) and with Fleet Leads to align goals to ensure progress priorities. Experience: 7-10 years of experience in financial or similar industry, credit preferred. Product Owner or similar experience related to technology development and analysis to understand business use cases and to remediate risks, issues, and dependencies. Familiar with agile delivery methodology. Proficient in facilitating meetings with developed leadership skills. Strong written and verbal communication skills Self- motivated, ability to adapt and learn quickly are key to success in the role. Bachelor's degree is required. Solid academic background or related certifications in finance or technology disciplines 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. Expected base pay rates for the role will be between $120,000 and $200,000 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).

Firm Risk Management Firm Risk Management supports 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 Position The role will reside within the Firm Risk Management's Risk Analytics area. Risk Analytics develops market risk analytics, credit risk analytics, operational risk analytics and scenario analytics models providing quantitative analysis on the Firm's risk exposures. By developing mathematical and statistical models with risk overlays, Risk Analytics calculates the risks associated with specified sets of financial positions and day-to-day operations. Morgan Stanley is seeking a strong VP level candidate to join its Credit Exposure Methodology Group (CEMG), in FRM's Risk Analytics. The CEMG is responsible for the development of Counterparty Credit Risk Models used for both regulatory capital calculations and internal risk management. This role will be within the CEMG US team, reporting to the US Head of CEMG based in New York City, focused on internal and regulatory initiatives in the US and working closely with the global CEMG function in the UK/EU, Budapest and Mumbai. This individual will work closely with the various groups within the Credit Risk Management Department, Model Risk Management, Technology and Risk Governance in developing these counterparty credit risk models. Primary Responsibilities Develop, enhance and maintain Counterparty Credit Risk (CCR) methodology. Develop models for portfolio analytics purpose, such as credit limit setting and stress limit setting. Write high-quality model documentation that satisfies the firm's internal model approval functions, audit requirements, and the Firm's regulators (e.g., FRB, OCC, SEC, etc.). Closely work with other teams within FRM to provide regular ongoing model performance assessments, hypothetical risking analysis and override monitoring. Review analysis results with senior management and provide recommendations. Working in an advisory capacity with local/global risk managers and Front Office stakeholders to ensure risk is appropriately captured. Develop analytical tools to support to other teams within Firm Risk Management. Experience Applicants must have either graduated from a four-year accredited university with a quantitative major such as Math / Physics / Statistics / Econometrics /Engineering / Computer Science. 5 to 10 years work experience in a quantitative research group at a commercial bank, investment bank, or consulting firm Quantitative skills especially in the area of Monte Carlo simulation, derivatives pricing, hypothesis testing and regression Strong skills in communication, critical thinking, and problem solving and collaboration Curious about risk management, financial products, markets, and regulation An interest in a fast-paced environment, often balancing multiple high priority deliverables Strong attention to detail and ability to provide information in usable formats Familiarity with coding languages Firm 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 $200,000 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).

Firm Risk Management Firm Risk Management (FRM) supports 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 Position The role will reside within Firm Risk Management, specifically within the Cross-Risk Strategic Projects Management Group. The Cross-Risk Strategic Projects Management Group has the responsibility to project manage the execution of the delivery of key regulatory-focused and strategic initiatives/projects, with a particular focus on projects spanning across multiple risk stripes like Credit Risk, Market Risk and Liquidity Risk. This role will be focused on project management and execution of a project related to Risk Data Aggregation, working closely with the Risk Data team and other risk stripes. The Cross-Risk Strategic Projects Management Group has presence across multiple geographical locations and jurisdictions. Primary Responsibilities > Project manage the delivery of key regulatory and risk management projects, to ensure appropriate and timely closure of remediation plans > Execution of risk projects, including developing project plans, driving delivery and highlighting relevant risks and issues > Senior stakeholder management and project reporting in governance committees > Documentation of business requirements in partnership with clients as appropriate > Creating concise and effective presentations for senior management on project updates and regulator-ready materials > Guide/mentor junior members of the team Experience > Bachelor's degree or equivalent > Experience in project managing and delivering strategic or regulatory projects > The ability to effectively communicate with a wide range of stakeholders, both written and verbally > Confidence to take ideas forward and to challenge others, where appropriate, with experience in management by influence, facilitating and gaining consensus > An interest in working in a fast-paced environment, often balancing multiple high priority deliverables > Strong attention to detail and ability to provide information in usable formats (proficiency in Microsoft PowerPoint, Excel and Word) > The ability to work independently in a self-directed way in a collaborative, team-oriented environment > Experience in project managing delivery of Risk Data Aggregation projects (preferred) > Experience in Risk Management at leading financial institutions (preferred) > Experience of interpreting regulatory guidelines and experience relating to the regulatory environment (preferred) 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 $200,000 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).

About Northern Trust: Northern Trust, a Fortune 500 company, is a globally recognized, award-winning financial institution that has been in continuous operation since 1889. Northern Trust is proud to provide innovative financial services and guidance to the world's most successful individuals, families, and institutions by remaining true to our enduring principles of service, expertise, and integrity. With more than 130 years of financial experience and over 22,000 partners, we serve the world's most sophisticated clients using leading technology and exceptional service. The ERM Framework Director is a key leadership position within Northern Trust's enterprise risk management function, charged with the responsibility of ensuring alignment & adherence to the enriched Enterprise Risk Management framework. As a key figure in the 2nd line of defense, this Director reports to the Head of Enterprise Risk Management and will play a lead role in establishing relationships with the 1st line of defense. The Framework Director role will be instrumental in fostering a culture of proactive & effective risk management through all phases of risk management lifecycle e.g. risk identification, assessment, treatment, reporting, risk governance and monitoring & control adherence. The ideal candidate would have experience working in a GSIB. Key Responsibilities Aligned with the above noted primary responsibilities, the ERM framework director will be working closely on identifying the full book of work for ERM, set up governance structure for intake of new book of work including ERM staffing as it pertains to Corporate Risk and cross functional dependencies within the organization . Collaborate closely and align with Risk / HR on location strategy for ERM and Risk and Data Analytics team under the same leader. Should have been a part of first or second line with good familiarity of executing or managing Risk & Control environment Identify and escalate issues/risks in a timely manner and collaborate on resolution working with team/other stakeholders; challenge the status-quo, identify effective ways for problem solving in a more commercial way Be digitally savvy, have SDLC knowledge. Be able to identify/challenge requirements for the GRC platform to drive automation and improved user experience across all ERM capabilities. Be the go to person for a lot of ERM inbound inquiries. Identify and define ERM Engagement with external teams including Reg., Audit, COO and other business groups and enterprise functions & HR including on Training, Knowledge Share, Roadshows, Roles and Responsibilities mapping, skills assessment for effective 2nd line ERM effectiveness Collaborate with front line, COO office on updating and managing Risk Marketing materials. Review and work on steering a lot of ERM Audit findings to closure as it pertains to 2nd line, in collaboration with peer risk partners. Engage with OCM, Communications team on right level of messaging for several of the ongoing programs, training and course development where appropriate Work closely with Corporate Risk CAO and ERM leadership team on committees, governance, cadences, scheduling for risk and management committees where ERM hosts or is a key stakeholder Design and manage an ERM operating model including the Risk Hub/spoke model keeping Legal Entity coverage in perspective. Work on managing central repository for artifacts - in close collaboration with team and other peer members. Have a good handle on budget, training and related cost and expense management for the team , including forecasting Execute a central project management office for a variety of ERM/Risk central initiatives including RCE, Reg remediation or activities that would be driven centrally out for Risk via ERM. Collaborate on weekly team status reporting for these initiatives Collaborate with central program teams on internal and external milestones, activities and status report/budge management on relevant initiatives Experience and Qualificatoins 12+ years of risk management framework experience at a large-scale financial services (ideally GSIB_ organization preferred, including Enterprise Risk Management experience Demonstrated knowledge and experience in designing and supporting an Enterprise Risk Management function, as well as supporting effective implementation and sustainability of projects and teams Proven capability in high-quality execution, including both independent execution, as well as influencing cross-functional stakeholders to drive change Familiarity with ServiceNow or similar Governance Risk and Compliance tool, preferred Good working knowledge of data analytics and reporting tool such as PowerBI, Tableau. Ability to accurately identify, escalate, and drive actions to mitigate priority risks Skills The ideal candidate will possess the following skills: Risk identification and assessment Stakeholder management Project and change management Strong digital literacy and strong communication skills, including verbal and written communications to senior leaders and committees Salary Range: $137,400 - 240,400 USD Salary range is a good faith estimate of base pay. Northern Trust provides a comprehensive benefits package including retirement benefits (401k and pension), health and welfare benefits (medical, dental, vision, spending accounts and disability), paid time off, parental and caregiver leave, life & accident insurance, and other voluntary and well-being benefits. Northern Trust also provides a discretionary bonus program that may include an equity component. Working with Us: As a Northern Trust partner, greater achievements await. You will be part of a flexible and collaborative work culture in an organization where financial strength and stability is an asset that emboldens us to explore new ideas. Movement within the organization is encouraged, senior leaders are accessible, and you can take pride in working for a company committed to assisting the communities we serve! Join a workplace with a greater purpose. We'd love to learn more about how your interests and experience could be a fit with one of the world's most admired and sustainable companies! Build your career with us and apply today. #MadeForGreater Reasonable accommodation Northern Trust is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation for any part of the employment process, please email our HR Service Center at MyHRHelp@ntrs.com. We hope you're excited about the role and the opportunity to work with us. We value an inclusive workplace and understand flexibility means different things to different people. Apply today and talk to us about your flexible working requirements and together we can achieve greater.

Firm Risk Management Firm Risk Management (FRM) supports 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 Position The role will reside within the Firm Risk Management's Credit Risk Management (CRM) department on the Credit Risk Data Control (CRDC) team. CRDC plays a pivotal role in supporting CRM in credit risk analysis and limits monitoring. The team is also responsible for credit data management, credit policy/procedure implementation, portfolio and single name monitoring (credit limits monitoring/reporting/escalation), Regulatory reporting, and process change management. CRDC is currently seeking an Associate level candidate to join the team based in New York. The candidate must have strong business knowledge, technical skills, process management skills, and must be able to develop strong working relationships as he/she will work closely with several other areas (such as IT and Business Units). Primary Responsibilities Supporting credit professionals in the monitoring of Morgan Stanley's credit exposure against the Firm's pre-defined policy limits Enhancing and implementing data quality control processes Assisting the team in meeting Regulatory Reporting requirements such as BIS and CCAR Maintaining an active dialogue and acting as a liaison between Credit Department, IT, Operations and Business Units in resolving identified data quality issues Assisting and supervising the team in its day to day Run The Bank tasks Representing the team in projects that require Credit Data Control team participation Assisting in the design, development, and implementation of new system solutions - Undergraduate degree Familiarity with fixed income and equity derivatives, and other traded securities Self-motivator and team player with strong interpersonal skills Superior written and verbal communication skills Ability to manage dynamic priorities with attention to detail Ability to meet deadlines and deliver quality work in a fast-paced environment Strong analytical and problem-solving skills Strong proficiency with Microsoft Office, including Excel, PowerPoint, and Outlook Strong proficiency with SQL and/or VBA 4-5+ years of experience in risk management or finance involving data analysis and process management with good knowledge of Credit products. Experience in system development and project management Good working knowledge of databases Experience with Regulatory Reporting (CCAR, Stress testing, Regulatory Capital, BIS) 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 $100,000 and $140,000 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).

Firm Risk Management Firm Risk Management (FRM) supports 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 Position The role will reside within FRM's Market Risk Department (MRD) which is a team dedicated to providing governance and oversight of all market risks arising from the Firm's business activities. The successful candidate will be based in New York and will provide market risk coverage of the Firm's extensive private equity investment portfolio within the Morgan Stanley Institutional Securities Group (ISG) and Morgan Stanley Investment Management (MSIM). The team covers a wide variety of products such as: Community Reinvestment Act (CRA) funds, Renewable portfolio and strategic partnerships as well as private credit & equity, real estate, infrastructure funds, CLOs, multi-asset mutual funds, money market funds and associated hedges (Equities, Rates, FX and Credit). Primary Responsibilities > Monitoring market risks including the use of metrics such as Value-at-Risk (VaR), Greeks, limits, and scenario analysis tools daily > Provide independent oversight of all market risks related to the Firm's investments portfolio and help create presentations articulating key risks and portfolio changes to senior management in a timely fashion > Enhance the group's stress testing and risk reporting by streamlining the process. Work on data enhancement and infrastructure projects to improve reporting capabilities for more effective risk management and improve the limit framework > Maintain active dialogue with business units, risk management colleagues, and support groups regarding business activities > Regularly perform deep dives into the Firm's portfolio and ensure the Firm's inventory of key risks is up-to-date and accurate Experience > Bachelor's degree from a 4-year accredited university or equivalent international degree > Preferred 1 to 5 years of post-graduate work, or military experience > Desired proficiency in Excel and SQL or a working knowledge of a programming language such as Python > Self-motivated, curious, and adaptable with strong attention to detail and a willingness to assume extended responsibility > Strong interpersonal skills with the ability to establish effective relationships with the business unit and external groups > Excellent communication skills, both verbal and written; ability to produce concise and effective presentations > Ability to work on multiple projects and deliverables simultaneously, consistently meeting deadlines > Willingness to question established processes and seek to improve them > Desired knowledge of Equity or Fixed Income (Rates, FX and Credit) products FRM is committed to creating and providing opportunities that enable our workforce to reflect diverse backgrounds and views. 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 $100,000 and $140,000 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).

Firm Risk Management Firm Risk Management (FRM) supports 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, model and other risks. Background on the Position Morgan Stanley Credit Risk Management is recruiting an Associate in New York for the Credit Policy, Governance, and Regulatory Team (CPGR), which is part of the Credit Risk Management (CRM) Second Line of Defense. CPGR is led by the Global Head of Credit Policy, Governance and Regulatory. CPGR (1) develops, enhances, and maintains Credit policies and procedures, (2) manages Credit related regulatory exams, internal audits, and Credit non-data Self-Identified Issues framework; and (3) coordinates responses to Credit related ad hoc requests from regulators. Its key functions are, among other things, to establish/maintain Credit policy and governance standards, spearhead remediation projects related to regulatory and audit findings/deliverables, advise on compliance with regulatory guidance, and provide credit governance solutions globally. The team works in close collaboration with subject matter experts globally in Credit Coverage, Capital, Risk Analytics, and Reporting, as well as other departments within the Firm. The ideal candidate will have experience in Credit Risk Management, knowledge of risk and finance issues related to trading and lending activities, ability to write clearly and concisely, technology skills, and familiarity with large bank/securities regulations. This position offers opportunities to gain exposure to all aspects of Credit Risk and to senior risk managers. Primary Responsibilities o Develop and update Credit policies and procedures, taking into account current regulatory expectations and Firm practices o Execute various projects and efficiency initiatives related to Credit policy, governance, and regulatory guidance o Coordinate the Firm's communications and deliverables for Credit related regulatory exams/audits and requests o Analyze key upcoming regulatory guidance to assess level of compliance with current practice o Assist in the preparation of senior management reports and materials on policies/procedures, regulatory exams, internal audits, self-identified issues, and credit reviews o Bachelor's degree; Advanced degree desirable o Three to five years of experience in Credit Risk or a related field at a large, complex financial institution or a top consulting firm o Excellent verbal and written communication skills o Analytical/critical thinking and problem-solving skills o Ability to work effectively on multiple projects under tight deadlines o Highly detail oriented with a critical degree of accuracy o Proficiency in Microsoft Office programs (Word, Excel, PowerPoint) o General technology skills (e.g., SharePoint sites, databases, process flows, Microsoft Access, Visio, basic knowledge of computer languages) 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 $85,000 and $140,000 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).

Firm Risk Management Firm Risk Management (FRM) supports 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, model and other risks. Background on the Position The role will reside within the Firm Risk Management's Credit Risk Management department. Our mission is to serve as an independent agent to set consistent principles and disciplines for risk management, act as strategic advisor to Firm management for setting risk appetite and allocating capital and be an industry leader to influence and meet regulatory standards. We are seeking a Product Owner in the Credit Risk Agile Fleet (Agile is a technology development methodology) based in New York. The successful candidate will be part of a team that delivers innovative technology. The role encompasses extensive interaction with global members of Credit Risk (Credit Officers and Credit Associates along with the team of Leads, Product Owners, Scrum Masters) as well as members of technology across Institutional Securities Group (ISG) and Wealth Management. Primary Responsibilities: - Be a change agent supporting the transformation to Agile while collaborating with stakeholders to deliver products and outcomes to users. - Leverage leadership skills to partner with squad members to develop and manage goals. - Responsibility to prioritize and manage work to achieve business outcomes, clearly articulating what needs to be done and in what order. - Define and communicate acceptance criteria based on business user needs. - Work closely across teams (squads) and with Fleet Leads to align goals to ensure progress priorities. Experience: - 7-10 years of experience in financial or similar industry, credit preferred. - Product Owner or similar experience related to technology development and analysis to understand business use cases and to remediate risks, issues, and dependencies. Familiar with agile delivery methodology. - Proficient in facilitating meetings with developed leadership skills. - Strong written and verbal communication skills - Self- motivated, ability to adapt and learn quickly are key to success in the role. - Bachelor's degree is required. Solid academic background or related certifications in finance or technology disciplines 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. Expected base pay rates for the role will be between $120,000 and $200,000 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).

Firm Risk Management Firm Risk Management (FRM) supports 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 Position The role will reside within the Firm Risk Management's Market Risk Department (MRD) which is a team dedicated to providing governance and oversight of all market risk arising from the Firm's business activities. This role resides within the Market Risk Strategic Change team located in New York City. The successful candidate will be responsible to deliver value creation through strategic change. The projects include internal model enhancements, Fundamental Review of the Trading Book (FRTB) development, Data and Risk Framework enhancements and improvements to end user tooling. Change programs involving technology deliverables will be executed in an Agile manner, so the ideal candidate will have familiarity with delivering strategic change using this approach. The ideal candidate will be responsible for: Primary Responsibilities > Manage MRD strategic change initiatives and BAU requests > Manage Senior stakeholder engagement including escalating and resolving issues as necessary > Responsible for gathering requirements and managing the project on-boarding process > Coordinate dependencies with Risk Managers, Product Owners, and Front Office for strategic change initiatives. > Support Agile Fleet Leads in maintaining and prioritizing the Fleet-level backlog by ensuring alignment between Fleet-level objectives and Squad-level components Experience > Bachelor's degree and 2-3 years of experience > Preferred background in project management / Agile development > Understanding of key market risk concepts (eg. traded products, VaR, stress testing, risk/limit management) > Experience scoping, developing and prioritizing plans for strategic pieces of work > The ability to identify, monitor and manage project risks, issues and dependencies, and agree appropriate responses > Desired excellent verbal and written communication skills FRM is committed to creating and providing opportunities that enable our workforce to reflect diverse backgrounds and views. 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 $100,000 and $140,000 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).

Firm Risk Management Firm Risk Management supports 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 Position The role will reside within the Firm Risk Management's Risk Analytics area. Risk Analytics develops market risk analytics, credit risk analytics, operational risk analytics and scenario analytics models providing quantitative analysis on the Firm's risk exposures. By developing mathematical and statistical models with risk overlays, Risk Analytics calculates the risks associated with specified sets of financial positions and day-to-day operations. Morgan Stanley is seeking a strong VP level candidate to join its Credit Exposure Methodology Group (CEMG), in FRM's Risk Analytics . The CEMG is responsible for the development of Counterparty Credit Risk Models used for both regulatory capital calculations and internal risk management. This role will be within the CEMG US team, reporting to the US Head of CEMG based in New York City, focused on internal and regulatory initiatives in the US and working closely with the global CEMG function in the UK/EU, Budapest and Mumbai. This individual will work closely with the various groups within the Credit Risk Management Department, Model Risk Management, Technology and Risk Governance in developing these counterparty credit risk models. Primary Responsibilities - Develop, enhance and maintain Counterparty Credit Risk (CCR) methodology. - Develop models for portfolio analytics purpose, such as credit limit setting and stress limit setting. - Write high-quality model documentation that satisfies the firm's internal model approval functions, audit requirements, and the Firm's regulators (e.g., FRB, OCC, SEC, etc.). - Closely work with other teams within FRM to provide regular ongoing model performance assessments, hypothetical risking analysis and override monitoring. Review analysis results with senior management and provide recommendations. - Working in an advisory capacity with local/global risk managers and Front Office stakeholders to ensure risk is appropriately captured. - Develop analytical tools to support to other teams within Firm Risk Management. Experience Applicants must have either graduated from a four-year accredited university with a quantitative major such as Math / Physics / Statistics / Econometrics /Engineering / Computer Science. - 5 to 10 years work experience in a quantitative research group at a commercial bank, investment bank, or consulting firm - Quantitative skills especially in the area of Monte Carlo simulation, derivatives pricing, hypothesis testing and regression - Strong skills in communication, critical thinking, and problem solving and collaboration - Curious about risk management, financial products, markets, and regulation - An interest in a fast-paced environment, often balancing multiple high priority deliverables - Strong attention to detail and ability to provide information in usable formats - Familiarity with coding languages Firm 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 $200,000 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).

Job Summary VP Business Risk – Regulatory Compliance Reporting to the Director Business Risk – Regulatory Compliance the employee will collaborate with functional stakeholder, assisting in incorporating regulatory requirements in business initiatives under Agile ways of working. Working closely with USCM and the product teams, participating in meetings with the 2LoD, this role will support the identification and prioritization of applicable regulatory initiatives, as well assisting in facilitating the execution and implementation of regulatory requirements. Job Description What will you do? Represent business risk and product to support U.S and enterprise-wide regulatory or governance programs, coordinating feedback from the business and ensuring execution Identify, prioritize, and proactively manage dependencies, risks, exceptions, and issues. Support and foster a strong and effective control environment Assist in assessing current status of all regulatory related controls, recommend control enhancements as needed. Leverage reporting and Key Risk Indicators to identify trends, themes and areas requiring improved controls Champion regulatory issue self identification, provide transparency of status and progress on regulatory remediation Consult and educate the business on regulatory requirements and business implications, fostering a strong risk culture of ownership Maintain regular, clear communication with project teams, key partners, and management regarding stats of controls, testing, audit progress, and progress of issue management. Stay abreast of pertinent industry practices, skills and regulatory concerns Support best practices and improvement of the regulatory compliance processes What do you need to succeed? 3-5 years of regulatory compliance in the transaction banking/cash management/treasury services environment Experience in a compliance or audit role Profound knowledge of supervisory expectations expressed in U.S Regulatory Obligations, Federal Reserve Supervisor Letters, Office of the Comptroller of the Currency Bulletin Experience in interpreting, designing controls to meet prudential regulatory obligations such as Reg CC, Reg D, Reg J, Reg W Experience in applying legal, regulatory and/or policy requirements Experience in coordination of transformational efforts Experience in or excited to learn Agile way of working (e.g., manage backlog, track impediments, quick iterations with done better than perfect) Ability to draw connections between regulatory requirements and business initiatives, recognizing oncoming impediments and support the product teams to clear the path proactively Ability to both grasp big picture and have rigorous attention to detail Ability to influence a diverse group of stakeholders, and demonstrate strong collaboration skills across the organization Strong problem solving skills with a results-oriented mindset What’s in it for you? We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual. A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation, commissions, and stock where applicable Leaders who support your development through coaching and managing opportunities Ability to make a difference and lasting impact Work in a dynamic, collaborative, progressive, and high-performing team Opportunities to do challenging work The expected salary range for this particular position is $125,000-$190,000 , depending on your experience, skills, and registration status, market conditions and business needs. You have the potential to earn more through RBC’s discretionary variable compensation program which gives you an opportunity to increase your total compensation, provided the business meets its performance targets and you meet your individual goals. RBC’s compensation philosophy and principles recognize the importance of a highly qualified global workforce and plays a critical role in attracting, engaging and retaining talent that: Drives RBC’s high-performance culture Enables collective achievement of our strategic goals Generates sustainable shareholder returns and above market shareholder value Opportunities to building close relationships with clients Work in a dynamic, collaborative, progressive, and high-performing team Opportunities to do challenging work Job Skills Auditing, Audits Compliance, Data Gathering Analysis, Decision Making, Ethical Business, Fraud Management, Internal Controls, Interpersonal Relationship Management, Results-Oriented, Risk Management Additional Job Details Address: GOLDMAN SACHS TOWER, 30 HUDSON STREET:JERSEY CITY City: Jersey City Country: United States of America Work hours/week: 40 Employment Type: Full time Platform: CAPITAL MARKETS Job Type: Regular Pay Type: Salaried Posted Date: 2025-05-01 Application Deadline: Note : Applications will be accepted until 11:59 PM on the day prior to the application deadline date above I nclusion and Equal Opportunity Employment At RBC, we believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all. Join our Talent Community Stay in-the-know about great career opportunities at RBC. Sign up and get customized info on our latest jobs, career tips and Recruitment events that matter to you. Expand your limits and create a new future together at RBC. Find out how we use our passion and drive to enhance the well-being of our clients and communities at jobs.rbc.com .

Firm Risk Management Firm Risk Management (FRM) supports 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, model, and other risks. Background on the Position The role will reside within the Firm Risk Management's Credit Risk Management department, which is responsible for the independent identification, evaluation, monitoring of credit risk associated with Morgan Stanley's ISG (Institutional Securities Group) lending and trading activities. The Latin America Credit team has a footprint located across New York, Mexico and Sao Paulo. The position covers credit risk management in Latin America, including loan and derivative products with primary focus on LatAm corporates (ex-Brazil). The role is located in New York in a multi-disciplinary team with extensive interaction with Businesses Units, senior management, and other control groups. Primary Responsibilities: Responsibilities will vary depending on workflows and typically will include: Fundamental Research & Credit Analysis: Assist in the evaluation of counterparty credit quality to assign probability of default and recovery ratings and set risk limits. Spread financial statements, calculate relevant financial metrics, and analyze results/draw conclusions on financial performance and trends. Backlog Management and Risk monitoring: Maintain and prepare credit reviews of assigned portfolio current. Monitor portfolio's credit performance, news, developments, and rating actions and recommend credit actions. Support Trade Evaluation & Approval: Assist in responding to trader requests to evaluate derivative transactions and open trading accounts with new counterparties. Assist with exposure analysis, evaluation of legal and documentation requirements, and the negotiation of credit terms. Maintain record keeping of approvals. Support Loan Evaluation & Approval: Assist in the evaluation of banking requests for lending to regional corporates and financial institutions. Evaluation includes fundamental credit analysis and financial modeling, preparing credit committee presentation and presenting case to internal approvers and capital commitment committee. Sector Analysis: Evaluate industry trends and recommend action plans to manage sector and individual name exposure based on the outlook. Regulatory Exercises: Review and draft documentation for regulatory reviews and exams. Experience Undergraduate degree, preferably in Finance, Accounting, Business Administration or Economics. Advanced degrees and/or CFA certification are not required but considered a plus. + 5 years of credit-related experience in financial services. Familiarity with capital markets products, including securities, OTC derivatives, secured financing transactions and loans. Prior corporate credit analysis experience, familiarity with the region (LatAm), and understanding of certain sectors and products (e.g., Energy, Commodities) is highly desired. Experience with financial modeling. Fluency or proficiency in English and Spanish; Portuguese is a plus. Proactive and detail-oriented with strong collaboration, problem solving, and oral/written communication and presentation skills. Proficiency in Microsoft Office Applications. 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. Expected base pay rates for the role will be between $85,000 and $140,000 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).

Firm Risk Management Firm Risk Management (FRM) supports 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, model and other risks. Background on the Position The role will reside within the Firm Risk Management's Credit Risk Management area which is a team dedicated to evaluating credit risk transactions considering the availability and appropriateness of arrangements for reducing risk or risk mitigation. The department also assigns Internal Credit Ratings; establishes and manages credit risk limits in accordance with the risk tolerance established by the Board; monitors and reports on credit risk exposures on a regular basis to the Chief Risk Officer and Firm Risk Management. CRM also interacts with business units to ensure that credit risk assessments are factored into business decisions. Morgan Stanley is leading the way in innovative M&A financing through securitization structures. To support the business growth, CRM is looking for a new team member with credit underwriting experience in M&A transactions or project finance. This is a multi-faceted role responsible for coverage of highly structured transactions secured by franchise royalties or digital infrastructure assets such as data centers, fiber, and cell towers. The principal responsibilities include the evaluation of new transactions and subsequent collateral pledges, portfolio management of existing facilities, and monitoring upcoming renewals and repayments. Primary Responsibilities - Responsible for credit coverage of warehouse lending transactions collateralized by whole operating businesses and project finance assets - Conducting client diligences and leading risk discussions with senior business unit members and to senior Credit officers related to new and existing transactions within coverage portfolio. - Assessment of new transactions including renewals, amendments, and waivers as well as liaising with internal and external stakeholders including regulators and internal audit. - Present transactions to Firm approval committees and quarterly review Credit committees of higher risk loans - Training and development of junior team members - Bachelor's degree required - Minimum 3-5 years of experience in covering specific or general corporate industries or project finance in Credit Risk - Prior experience with analyzing leverage loans and / or structured transactions preferred - Strong cash flow modeling and stress analysis skills - Strong written communication and presentation skills - Excellent organization skills and the ability to multitask with an interest in working in a fast-paced environment, often balancing multiple high priority deliverables 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 $100,000 and $140,000 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).

Credit Risk Management is looking to hire an Associate to the Municipals credit risk management team. The team coverage derivatives and lending products for all public finance counterparties, including governmental entities, tax-exempt not-for-profit organizations, and other public benefit entities in the U.S. and Canada. The principal responsibilities of the role include primary coverage in all public finance sectors. Fulfillment of these responsibilities requires the ability to: Assess new transactions, including an independent assessment of credit quality of prospective counterparties, recommendation of transaction support, and escalation to senior management, as required Present credit opinions to Credit Senior management and business units for discussion and approval loan transactions Collaborate with business units on structuring and documentation for proposed transactions Portfolio management and oversight of Municipal sub-sectors Assist with the risk management by setting and monitoring credit limits Qualifications Minimum 3 year of public finance experience Strong critical thinking and analytical skills Excellent written and verbal communication skills Experience in risk management of derivatives and lending products Demonstrable track record of working under pressure and managing multiple projects with limited supervision Strong team player able to work effectively in a team environment Strong in both Microsoft Excel and Powerpoint Graduate degree preferred but not required 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 85 years. At our foundation are five core values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - that guide our more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you'll find trusted colleagues, committed mentors and a culture that values diverse perspectives, individual intellect and cross-collaboration. We Firm is differentiated by the caliber of our diverse team. While our company culture and commitment to inclusion define our legacy and shape our future, helping to strengthen our business and bring value to clients around the world. Learn more about how we put this commitment to action: morganstanley.com/diversity. 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. We're committed to bringing passion and customer focus to the business. Expected base pay rates for the role will be between $85,000 and $140,000 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).

Description- External Firm Risk Management (FRM) supports 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 Position The role is for a VP level Credit Professional responsible for credit underwriting and portfolio management within our Wealth Management Securities Based Lending product supporting a domestic and international private-client base. The position resides within FRM's Wealth Management Credit Risk division and will be responsible for maintaining robust and disciplined underwriting and portfolio management, with adherence to internal policies and procedures, as well as regulatory requirements and expectations. The ideal candidate has a deep understanding and proficiency in Credit Risk assessment (counterparty analysis, financial spreading, markets), takes initiative, works well in a highly dynamic environment and has very strong written and verbal communication skills. The position is based in New York. Primary Responsibilities Perform credit due diligence and approval of credit limits, comprised of credit analysis of counterparties via financial statements, determining risk ratings, and assessing collateral risks to size risk appetite via credit limits 4-5 years of experience in assessing securities backed and derivatives-based transactions. Prior exposure to Listed Options, Futures and FX products will be a plus. Manage all requests within stated turn times while managing expectations through active communication with management and business risk & origination teams. Ability to independently review and challenge business unit recommendations and meet stated turn times. Collaborate with stakeholders across the product lifecycle, including annual reviews, daily portfolio management, governance, and ad-hoc projects such as risk management framework enhancements, audits, regulatory exams, and policy and procedure reviews Preparation of credit approval proposals for senior management Lead or participate in ad-hoc projects / audits / regulatory exams / procedure, policy, and model reviews. Train, mentor junior staff Foster and support an environment of critical risk thinking, ownership and efficiency. Qualifications- External Experience Minimum five years of relevant professional experience Bachelor's Degree required Strong quantitative skills with experience in capital markets and market risk, especially in equity options and futures Understanding of credit underwriting fundamentals, with high net-worth counterparty underwriting a plus Detail oriented with exceptional analytical, problem-solving, and organizational skills Excellent oral and written communication and presentation skills Ability to multi-task and meet deadlines Strong collaboration and leadership skills in a team-oriented environment, along with the ability to self-start and work independently. Proficiency with Microsoft Office and ability to learn and navigate proprietary Firm systems. Coding, SQL, etc. a plus 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 $200,000 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).

Alternate Locations: Radnor, PA (Pennsylvania); Charlotte, NC (North Carolina); Fort Wayne, IN (Indiana); Greensboro, NC (North Carolina); Hartford, CT (Connecticut); Omaha, NE (Nebraska) Work Arrangement: Hybrid Preferred : Preferred employee will work 3 days a week in a Lincoln office Relocation assistance: is not available for this opportunity. Requisition #: 74911 The Role at a Glance We are seeking an AVP, Risk Management to join the Financial Risk oversight team, which is a part of the broader Enterprise Risk Management (ERM) function in the Office of the CRO. This team is focused on setting the parameters of risk management as they relate to the various financial risks, such as reinsurance and liquidity. This is a relatively new, dedicated oversight role at Lincoln, as ERM continues to grow! This position will play a pivotal role in building out the Reinsurance oversight function and partnering to support the liquidity risk oversight function that intersects multiple teams across the enterprise, spanning Lincoln's product suite. You will work closely with risk managers to monitor risk exposures, assess risk mitigation strategies, and ensure compliance with regulatory requirements. The ideal candidate will have strong quantitative skills, experience with reinsurance and financial instruments, and a deep understanding of risk management practices. What you'll be doing Build out independent reinsurance risk reporting that captures risk profiles, monitors performance, various triggers, etc. Support the development of liquidity risk frameworks through partnerships across the organization and thought leadership and expertise in risk management practices. Evaluate and monitor risks associated with strategic initiatives and existing infrastructure, including captives, affiliate transactions, and financial engineering solutions. Partner with reinsurance, finance, and business unit teams to ensure the implementation and effectiveness of risk management systems, tools, and models Collaborate with first line partners to design and continuously improve the risk appetite framework, including setting risk limits, thresholds, and reporting procedures Work with front-office teams to understand strategic initiatives, financial risks, and trading strategies, ensuring that risks are appropriately managed Provide effective challenge to strategic and tactical decisions Maintaining knowledge on current and emerging developments/trends in areas of specialization, assessing potential impacts and risks to Lincoln, and providing insights to management. Provide thought leadership on improvements to technological and operational efficiencies What we're looking for Education Bachelor's degree in Finance, Mathematics, Actuarial Science, or a related field. Master's degree or relevant professional certifications (e.g., CFA, FRM, FSA, CQF) is a plus. Experience 8+ years of experience in market risk management, financial analysis, or a related field, preferably within the financial services or investment banking industry. Experience working in a second line market risk oversight role is a plus. Solid understanding of reinsurance structures including but not limited to captives and offshore entities. Excellent quantitative and analytical skills with the ability to translate complex data into actionable insights. Strong written and verbal communication skills, with the ability to present complex risk information to senior stakeholders. High level of attention to detail, with the ability to identify and assess risks accurately and promptly. Strong programming skills (Python, VBA, SQL, etc.) Working knowledge of visualization software such as Tableau, PowerBI, etc. Proficiency with Microsoft Office Suite (Word, Excel, PowerPoint, Outlook). Knowledge of insurance capital structures is a plus. Ability to read, analyze and interpret both internal and external documents such as general media/publications, professional journals, technical procedures, governmental regulations, policies, proposals, and standard operating procedures. Ability to work collaboratively in cross-functional teams and manage multiple priorities. Application Deadline Applications for this position will be accepted through September 1st, 2025 subject to earlier closure due to applicant volume. What's it like to work here? At Lincoln Financial, we love what we do. We make meaningful contributions each and every day to empower our customers to take charge of their lives. Working alongside dedicated and talented colleagues, we build fulfilling careers and stronger communities through a company that values our unique perspectives, insights and contributions and invests in programs that empower each of us to take charge of our own future. What's in it for you: Clearly defined career tracks and job levels, along with associated behaviors for each of Lincoln's core values and leadership attributes Leadership development and virtual training opportunities PTO/parental leave Competitive 401K and employee benefits Free financial counseling, health coaching and employee assistance program Tuition assistance program Work arrangements that work for you Effective productivity/technology tools and training The pay range for this position is $125,800 - $229,100 with anticipated pay for new hires between the minimum and midpoint of the range and could vary above and below the listed range as permitted by applicable law. Pay is based on non-discriminatory factors including but not limited to work experience, education, location, licensure requirements, proficiency and qualifications required for the role. The base pay is just one component of Lincoln's total rewards package for employees. In addition, the role may be eligible for the Annual Incentive Program, which is discretionary and based on the performance of the company, business unit and individual. Other rewards may include long-term incentives, sales incentives and Lincoln's standard benefits package. About The Company Lincoln Financial (NYSE: LNC) helps people to confidently plan for their version of a successful future. We focus on identifying a clear path to financial security, with products including annuities, life insurance, group protection, and retirement plan services. With our 120-year track record of expertise and integrity, millions of customers trust our solutions and service to help put their goals in reach. Lincoln Financial Distributors, a broker-dealer, is the wholesale distribution organization of Lincoln Financial. Lincoln Financial is the marketing name for Lincoln Financial Corporation and its affiliates including The Lincoln National Life Insurance Company, Fort Wayne, IN, and Lincoln Life & Annuity Company of New York, Syracuse, NY. Lincoln Financial affiliates, their distributors, and their respective employees, representatives and/or insurance agents do not provide tax, accounting or legal advice. Lincoln is committed to creating an inclusive environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. Follow us on Facebook, X, LinkedIn, Instagram, and YouTube. For the latest company news, visit our newsroom. Be Aware of Fraudulent Recruiting Activities If you are interested in a career at Lincoln, we encourage you to review our current openings and apply on our website. Lincoln values the privacy and security of every applicant and urges all applicants to diligently protect their sensitive personal information from scams targeting job seekers. These scams can take many forms including fake employment applications, bogus interviews and falsified offer letters. Lincoln will not ask applicants to provide their social security numbers, date of birth, bank account information or other sensitive information in job applications. Additionally, our recruiters do not communicate with applicants through free e-mail accounts (Gmail, Yahoo, Hotmail) or conduct interviews utilizing video chat rooms. We will never ask applicants to provide payment during the hiring process or extend an offer without conducting a phone, live video or in-person interview. Please contact Lincoln's fraud team at fraudhotline@lfg.com if you encounter a recruiter or see a job opportunity that seems suspicious. Additional Information This position may be subject to Lincoln's Political Contribution Policy. An offer of employment may be contingent upon disclosing to Lincoln the details of certain political contributions. Lincoln may decline to extend an offer or terminate employment for this role if it determines political contributions made could have an adverse impact on Lincoln's current or future business interests, misrepresentations were made, or for failure to fully disclose applicable political contributions and or fundraising activities. Any unsolicited resumes or candidate profiles submitted through our web site or to personal e-mail accounts of employees of Lincoln Financial are considered property of Lincoln Financial and are not subject to payment of agency fees. Lincoln Financial ("Lincoln" or "the Company") is an Equal Opportunity employer and, as such, is committed in policy and practice to recruit, hire, compensate, train and promote, in all job classifications, without regard to race, color, religion, sex, age, national origin or disability. Opportunities throughout Lincoln are available to employees and applicants are evaluated on the basis of job qualifications. If you are a person with a disability that impedes your ability to express your interest for a position through our online application process, or require TTY/TDD assistance, contact us by calling 260-455-2558. This Employer Participates in E-Verify. See the E-Verify notices. Este Empleador Participa en E-Verify. Ver el E-Verify avisos. Job Segment: Risk Management, Investment Banking, Marketing Manager, Compliance, Accounting, Finance, Marketing, Legal

Firm Risk Management Firm Risk Management (FRM) supports 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, model and other risks. Background on the Position The role will reside within the Firm Risk management's Credit Risk Management Department, on the Corporate Lending Credit Risk Team, which is responsible for the independent identification, evaluation, monitoring of credit risk associated with ISG corporate lending activities. Morgan Stanley Credit Risk Management (CRM) seeks an Associate with three to five years of relevant experience. The specific position is within CRM's team covering multiple C&I sectors in the United States and is responsible for the timely and comprehensive completion of credit analysis, managing the relationship with the business unit, and presenting and defending credit recommendations to senior CRM management. CRM Associate also oversees the monitoring of the portfolio of existing clients within her/his industry coverage. Primary Responsibilities: Conduct credit analysis and due diligence for corporate lending transactions, process transaction approval packages and present credit recommendations to senior CRM officers Review financial models' integrity and generate/review credit and downside cases Evaluate structure and terms in legal documentation in connect with the Leveraged Finance team Conduct portfolio management activities and monitor existing credits for warning signs of potential deterioration of credit profile and recommend credit actions Collaborate with junior and senior staff on portfolio management and transaction approvals Review and draft documentation for regulatory reviews and exams - Bachelor's degree with 3-5 years of work experience, preferably in Credit Risk Management, Investment Banking, or Corporate Finance Proven financial modeling experience with strong analytical skills Ability to effectively communicate with a wide range of stakeholders, both written and verbally Ability to work independently in a team-oriented environment Knowledge of leverage Finance and capital markets products Strong organization skills with an interest in working in a fast-paced environment, often balancing multiple high priority deliverables Strong attention to detail and ability to provide information in usable formats (proficiency in Microsoft office, including Excel, Power Point and Word) Advanced degrees and/or CFA certification are not required, but preferred 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. Expected base pay rates for the role will be between $85,000 and $140,000 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).

Division: Risk Management Role: Cross-Risk Project Management Level: Executive Director Location: New York Firm Risk Management Firm Risk Management (FRM) supports 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 Position The role will reside within Firm Risk Management, specifically within the Cross-Risk Strategic Projects Management Group. The Cross-Risk Strategic Projects Management Group has the responsibility to project manage the execution of the delivery of key regulatory-focused and strategic initiatives/projects, with a particular focus on projects spanning across multiple risk stripes like Credit Risk, Market Risk, Liquidity Risk and Model Risk. The Cross-Risk Strategic Projects Management Group has presence across multiple geographical locations and jurisdictions. Primary Responsibilities > Project manage the delivery of key regulatory and risk management projects, to ensure appropriate and timely closure of remediation plans > Execution of risk projects, including developing project plans, driving delivery and highlighting relevant risks and issues > Being the primary representative for the team in New York > Senior stakeholder management and project reporting in governance committees > Documentation of business requirements in partnership with clients as appropriate > Creating concise and effective presentations for senior management on project updates and regulator-ready materials > Guide/mentor junior members of the team Experience > Bachelor's degree or equivalent > Experience in project managing and delivering strategic or regulatory projects (Risk Regulatory Projects preferred) > Experience in Risk Management at leading financial institutions (preferred) > Experience of interpreting regulatory guidelines and experience relating to the regulatory environment (preferred) > The ability to effectively communicate with a wide range of stakeholders, both written and verbally > Confidence to take ideas forward and to challenge others, where appropriate, with experience in management by influence, facilitating and gaining consensus > The ability to work independently in a self-directed way in a collaborative, team-oriented environment > An interest in working in a fast-paced environment, often balancing multiple high priority deliverables > Strong attention to detail and ability to provide information in usable formats (proficiency in Microsoft PowerPoint, Excel and Word) FRM is committed to creating and providing opportunities that enable our workforce to reflect diverse backgrounds and views. 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 $165,000 and $275,000 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).