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Morgan Stanley's Firm Risk Management (FRM) Division is an exciting and rapidly growing space. We support Morgan Stanley to achieve its business goals by partnering with business units across the Firm to realize efficient risk-adjusted returns, acting as a strategic advisor to the Board and protecting the Firm from exposure to losses as a result of credit, market, liquidity, operational, model and other risks.Responsibilities - - Conduct independent model reviews and validations according to Model Risk Management policies, regulatory requirements, and industry best practices - Prepare clear validation documentation for each model- Communicate validation findings to senior management and stakeholders Qualifications -- 10+ years of relevant risk management experience, including model risk and risk analytics. - Previous experience on reserve models including CECL and IFRS9 preferred. - Master's or Doctorate in a quantitative discipline (Economics, Statistics, Mathematics, Physics, Computer Science, or Engineering)- Knowledgeable in macroeconomics and markets. Familiar with wholesale and retail lending business. - Working knowledge of statistical techniques, quantitative finance, and programming is required; understanding of various complex financial instruments is beneficial. - Written and verbal communication skills, along with critical thinking, problem solving, and the ability to collaborate within a team, are necessary.- Familiarity with coding languages, particularly Python, is preferred.- Previous experience on stress loss modeling, PD, LGD, EAD modeling is helpful. - Knowledge of regulatory requirements (e.g., CCAR, ICAAP) and familiarity with regulators such as Fed, OCC, PRA, and EBA is preferred.- Interest in a fast-paced, collaborative setting with challenging tasks that blend fundamental, quantitative, and market skills is desirable. WHAT YOU CAN EXPECT FROM MORGAN STANLEY: We are committed to maintaining the first-class service and high standard of excellence that have defined Morgan Stanley for over 89 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren’t just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you’ll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There’s also ample opportunity to move about the business for those who show passion and grit in their work. To learn more about our offices across the globe, please copy and paste https://www.morganstanley.com/about-us/global-offices​ into your browser. Expected base pay rates for the role will be between $120,000 and $205,000 year at the commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs. Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. Consequently, our recruiting efforts reflect our desire to attract and retain the best and brightest from all talent pools. We want to be the first choice for prospective employees. It is the policy of the Firm to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, religion, creed, age, sex, sex stereotype, gender, gender identity or expression, transgender, sexual orientation, national origin, citizenship, disability, marital and civil partnership/union status, pregnancy, veteran or military service status, genetic information, or any other characteristic protected by law. Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).

Morgan Stanley provides highly customized financial advice, investment solutions and brokerage services. Our Firm connects people, ideas and capital to help our clients achieve their financial aspirations. The talent and passion of our people are critical to our success. Together, we share a common set of values rooted in integrity and excellence. Morgan Stanley's Wealth Management business is one of the largest in the world with more than $6 trillion in client assets. The Client Segments Organization, within Morgan Stanley Wealth Management, is comprised of various client channels, providing services to both individual and institutional Clients. Some of the services include Financial Management, Equity Stock Plans, Retirement Plans, Financial Wellness, Marketing, and Reinvestment. The Client Segment Exams and Operational Risk Team is a first line of defense function responsible for overseeing the operational risks and controls of Wealth Management's Client Segments business units. The team partners with business stakeholders, second and third lines of defense to assess and report on operational risks, implement control processes and procedures, manage audits and exams, oversee vendor risks, manage business continuity plans, and conduct the annual Non-Financial Risk Assessment (NFRA). This team is actively growing and taking on more responsibilities, so we are looking for an individual who can handle change and growth in a fast-paced environment. The Team is looking for a dynamic individual to help support Assessments and Data Management activities. This position provides support to various supervisory and operational risk functions with a focus on mitigating risk and improving the control environment. Primary Responsibilities: The role includes the following primary responsibilities: Serve as the primary assessments point of contact for client segment business aligned risk teams Identify and deconflict potential assessment overlap across client segment exams Support the planning and execution of individual client segment assessments, including clarification of exam scope, acquisition of risk data, review of self-identified issues, participation in exam meetings (as needed), and negotiation of draft reports and associated ratings Coordinate WM Field home office and market exams and ffacilitate associate field remedial actions Coordinate the build-out of assessments related process optimization tools and approaches Establish and maintain data governance standards to ensure the accuracy, consistency and security of data used in reporting including data collection, storage and retrieval Utilize advanced data analytics tools to gather, analyze and interpret data, providing actionable insights to stakeholders Provide guidance and support in interpreting metrics and making data-driven decisions Support the design and implementation of automated workflows including GenAI to optimize business operations and reporting Knowledge, Skills, and Abilities Excellent verbal and written communication skills; ability to present complex ideas, concisely, to a senior audience Strong leadership, stakeholder management and influencing skills Strong interpersonal skills and ability to work in a team-oriented environment Strong analytical and problem-solving skills Strong project management skills with the ability to multitask and prioritize Experience 6+ Years of financial services experience, preferably within Wealth Management Experience with internal audit and/or compliance exams Familiarity with Operational Risk domain and key concepts Intermediate/Advanced Excel, PowerPoint, Word and Visio skills Understanding of Generative AI tools and capabilities Education Bachelor's degree or equivalent 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. Salary range for the position: $85,000 and $140,000 per year. The successful candidate may be eligible for an annual discretionary incentive compensation award. The successful candidate may be eligible to participate in the relevant business unit's incentive compensation plan, which also may include a Maryland (Statewide) discretionary bonus component. Morgan Stanley offers a full spectrum of benefits, including Medical, Prescription Drug, Dental, Vision, Health Savings Account, Dependent Day Care Savings Account, Life Insurance, Disability and Other Insurance Plans, Paid Time Off (including Sick Leave consistent with state and local law, Parental Leave and 20 Vacation Days annually), 10 Paid Holidays, 401(k), and Short/Long Term Disability, in addition to other special perks reserved for our employees. Please visit mybenefits.morganstanley.com to learn more about our benefit offerings. 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).

Market Risk Regulatory & Governance - Vice President 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 MRD Governance & Controls team is a specialized group within the Market Risk Department (MRD), itself part of Firm Risk Management (FRM). This team provides governance and oversight for all market risk arising from the firm's business activities. Their core mission is to ensure that market risk is managed in accordance with regulatory requirements, internal policies, and best practices. The successful candidate will work to support regulatory compliance and execute effective governance and control processes. Primary Responsibilities > Manage governance and oversight for regulatory and internal audit matters involving market risk, including ongoing reporting, exams or reviews, ad-hoc interactions, as well as issue remediation. > Manage governance, oversight, and implementation of key risk management frameworks, and their associated policies & procedures > Collaborate with 1st Line of Defense to identify areas of improvement in the Firm's control framework > Serve as a central point of contact for market risk stakeholders and provide advice on governance matters > Effective communication of key regulatory, audit, and governance risks to senior management Experience > Candidate must have a bachelor's degree or equivalent > 5+ years' experience in financial services, preferably in risk management > Understanding of bank and swap dealer regulation related to risk management and risk capital > Familiarity with market risk management concepts, including scenario analysis, Value at Risk (VaR), stress testing, risk measures/greeks, and related risk management frameworks. > Strong communication skills and able to message appropriately to a variety of stakeholders at different levels of seniority > The ability to collaborate with a broad range of colleagues across departments and senior management > Attention to detail, project management, and prioritization skills will also be key in balancing daily deadlines with timely implementation of strategic projects 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 $120,000 and $205,000 year at the commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs. Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. Consequently, our recruiting efforts reflect our desire to attract and retain the best and brightest from all talent pools. We want to be the first choice for prospective employees. It is the policy of the Firm to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, religion, creed, age, sex, sex stereotype, gender, gender identity or expression, transgender, sexual orientation, national origin, citizenship, disability, marital and civil partnership/union status, pregnancy, veteran or military service status, genetic information, or any other characteristic protected by law. Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).

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. The successful candidate will join the Fixed Income Macro coverage team which oversees products in the interest rate, foreign exchange, and emerging market spaces as well as cross-asset trading strategies. Primary Responsibilities > Maintain on-going dialogue with trading desks and senior risk managers regarding positioning, market developments, trading strategies, limit usage, and risk representation of new trades > Monitor market risks through the review of portfolio risk sensitivities, Value-at-risk (VaR), stress scenario analysis and limit management. > Support projects involving coverage area, such as risk analytics, market risk modelling enhancements, development of stress tests and regulatory initiatives. > Collaborate closely with colleagues from the global Firm Risk Department and other support groups, including Trading Risk Governance, Finance, Technology > Perform regular deep dives and presentations on various products, clients, and help present and articulate key risks and portfolio changes to senior management in a timely manner. Experience > Candidate must have a bachelor's degree at a minimum and 1-2 years of experience, quantitative background preferred. > Attention to detail, ability to handle multiple priorities and operate autonomously while still being able to escalate appropriately. > Motivated self-starter to develop expertise in financial products, markets, and risk management practices with minimal supervision. > Technological proficiency in Excel, SQL and Python > Highly developed interpersonal skills which can be used to prepare and present risk information to a variety of audiences > Knowledge of market risk concepts such as VaR, stress scenario analysis > Product knowledge of interest rates and/or FX and ability to evaluate basic Greek sensitivities. 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).

Market Risk Manager- XVA Coverage Team- AssociateFirm 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 independent market risk oversight across the Morgan Stanley's trading and banking activities. The position is for a junior Market Risk Manager working in the XVA Coverage team which oversees firm's CVA (Credit Valuation Adjustment), FVA (Funding Valuation Adjustment) and other related/emerging VAs on the firm's counterparty.Primary Responsibilities >* Maintain on-going dialogue with trading desks and Front Office support groups regarding positioning, market developments, trading strategies, limit usage, and risk representation of new and/or exotic trades.>* Monitor market risks through the review of portfolio risk sensitivities, Value-at-risk (VaR), stress scenario analysis and limit monitoring.>* Support projects involving your coverage area, such as market risk modelling enhancements, development of stress tests, or regulatory initiatives (e.g. Fundamental Review of the Trading Book).>* Collaborate closely with colleagues from the global Market Risk Department and other support groups, including Model Risk Management Finance & Technology. Experience >* 2 Years + experience in a trading or a market risk department is a plus>* Curiosity and self-motivation to develop expertise in financial products, markets, and risk management practices>* Ability to synthesize complex problems and conceptualize appropriate solutions>* Proactive with the ability to work as both part of a close-knit team and independently>* Strong IT skills are desired to facilitate data analysis, competence MS Excel, VBA, and SQL >* Excellent communication skills for written, graphical and verbal presentation, with high competency in PowerPoint>* Knowledge of market risk concepts like VaR and regulatory activities like CCAR is a plus>* Product expertise in Fixed Income and/or Equity products including derivatives is desiredFRM 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 ManagementFirm 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 PositionThe 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.This is a multi-faceted role responsible for coverage of Commercial Real Estate (CRE) transactions secured on all property types. The principal responsibilities include the evaluation of new transactions, managing a rapidly growing portfolio of existing loans, and monitoring upcoming renewals and repayments.Primary Responsibilities- Responsible for Credit coverage of the Wealth Management (WM) CRE business. - Partnering with business unit members and interacting with clients in due diligence meetings- Assist in the training and development of new associate colleagues and analysts as needed. - Ensuring timely review of new transactions as well as annual reviews of existing loans, maintaining consistent high-quality documentation, and liaising with internal and external stakeholders- Present transactions to Firm approval committees - Bachelor's Degree required- 3-5 years of experience in a similar credit role- Experience in commercial real estate lending and credit underwriting- Have a good knowledge of typical CRE transaction structures, documentation, and the lending process- The ability to effectively communicate with a wide range of stakeholders, both written and verbally- Strong attention to detail and ability to provide information in usable formats- An interest in working in a fast-paced environment, often balancing multiple high priority deliverables- Curiosity and self-motivation to develop expertise in commercial real estate products, markets, and risk management practice- Track record of presenting on CRE topics to senior management 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 ManagementFirm 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.The FRM Credit Risk Management - Securitized Products Group's Fixed Income Division Secured Lending (FSL) team is seeking an Associate. The responsibilities of this role include evaluating credit risk on Commercial Real Estate (CRE) warehouse facilities and pledged collateral, reviewing loan structures for suitability, and assessing risk mitigation measures. The position also involves working with the business unit to incorporate credit risk assessments into business decisions.Primary Responsibilities- Oversee credit coverage of the CRE warehouse lending portfolio, including assessing underlying collateral loans and providing recommendations for approval.- Independently manage and evaluate new facility originations, renewals, amendments, and loan modifications.- Facilitate and lead critical meetings with key stakeholders, encompassing client due diligence, firm credit committees, and business unit discussions.- Collaborate with both internal and external parties, including regulatory agencies and internal audit teams.- Monitor portfolio financial performance and credit risks, preparing ad-hoc reports for senior management as needed.- Perform quantitative and qualitative analyses utilizing various CRE databases (such as CoStar, Intex, and Greenstreet).- Support training and development initiatives for junior team members. Experience- A bachelor's degree is required.- 3 years' credit risk experience; CRE background strongly preferred.- Strong communication skills, both verbal and written, are required.- Ability to think creatively and strategically, and thrive in a dynamic work environment- Proactive and results-oriented mindset- Strong organizational skills- Ability to effectively prioritize and handle multiple tasks under tight deadlines- Ability to work collaboratively within a team and with counterparts in other groups 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).

Morgan Stanley's Firm Risk Management (FRM) Division is an exciting and rapidly growing space. We support Morgan Stanley to achieve its business goals by partnering with business units across the Firm to realize efficient risk-adjusted returns, acting as a strategic advisor to the Board and protecting the Firm from exposure to losses as a result of credit, market, liquidity, operational, model and other risks. Responsibilities - Perform independent review and model validation for the firm's Pre-Provision Net Revenue (PPNR) models, compliant with Model Risk Management policies and procedures, regulatory guidance, and industry leading practices.- Develop challenger model methodologies for the official production models.- Write comprehensive validation documentation for models validated.- Effectively communicate model validation conclusions to senior management and relevant stakeholders.- Represent Model Risk Management team in interactions with regulatory agencies. Requirements - 3+ years' in relevant risk management experience including model risk management and risks analytics preferred- Masters or Doctorate degree in a quantitative discipline such as Statistics, Mathematics, Physics, Computer Science or Engineering is preferred- Working knowledge of statistical techniques, quantitative finance and programming is essential; good understanding of various complex financial instruments is preferred.- Prior experience with developing or validating models is a plus.- Expertise in PPNR Models.- Prior experience with fixed income products (for example, securitized products, rates and corporate credit) is a plus.- Prior experience with the treasury investment portfolio is a plus.- Strong written and verbal communication, critical thinking, problem solving and team collaboration skills.- Familiarity with coding languages (R and Python preferred).- Familiarity with regulatory requirements e.g., Comprehensive Capital Analysis and review (CCAR), Internal capital adequacy assessment processes (ICAAP) and regulators such as Fed, Office of the Comptroller of the Currency (OCC), Property Reserve Analysis (PRA), European Banking Authority (EBA) is desired- Desire to work in a dynamic, team-oriented environment focusing on challenging tasks mixing fundamental, quantitative, and market-oriented knowledge and skills 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 $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 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. This is a multi-faceted role responsible for coverage of Commercial Real Estate (CRE) transactions secured on all property types. The principal responsibilities include the evaluation of new transactions, managing a rapidly growing portfolio of existing loans, and monitoring upcoming renewals and repayments. Primary Responsibilities Responsible for Credit coverage of the Wealth Management (WM) CRE business. Partnering with business unit members and interacting with clients in due diligence meetings Assist in the training and development of new associate colleagues and analysts as needed. Ensuring timely review of new transactions as well as annual reviews of existing loans, maintaining consistent high-quality documentation, and liaising with internal and external stakeholders Present transactions to Firm approval committees - Bachelor's Degree required 3-5 years of experience in a similar credit role Experience in commercial real estate lending and credit underwriting Have a good knowledge of typical CRE transaction structures, documentation, and the lending process The ability to effectively communicate with a wide range of stakeholders, both written and verbally Strong attention to detail and ability to provide information in usable formats An interest in working in a fast-paced environment, often balancing multiple high priority deliverables Curiosity and self-motivation to develop expertise in commercial real estate products, markets, and risk management practice Track record of presenting on CRE topics to senior management 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 the Firm Risk Management's Risk COO group which is a team that covers a broad array of areas in addition to financial and resource management. Candidates will have the opportunity to work on a variety of cross-risk projects and initiatives, partnering with key stakeholders across the group. Work history should demonstrate attention to detail and strong analytical and spreadsheet skills. Primary Responsibilities > Produce detailed monthly expense and headcount reporting and present findings to senior management, including risks and opportunities to achieve budget targets > Support the development of tools to track headcount and expenses more efficiently across the various functional and regional Risk teams > Partner with key stakeholders from across Risk and the Finance Controllers Group to develop an annual headcount and expense budget to support key deliverables and initiatives > Support the execution of a variety of ad-hoc cross-risk projects and initiatives across the broader Risk CAO team Experience > 0-3 years of experience, preferably in financial or resource management > Ability to build strong working relationships with key business partners > Attention to detail and ability to prioritize projects and workload > Ability to analyze and synthesize large data sets > Self-motivator and team player who brings a can-do approach > Strong interpersonal and communication skills, written and verbal > Undergraduate degree; excellent academic background and grades > Desire to learn about risk management in a dynamic and fast-paced environment > Advance working knowledge of MS Excel (VBA/Macros a plus), PowerPoint and Word 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 $75,000 and $95,000 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 ManagementFirm 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 PositionThe role will reside within the Firm Risk Management's Credit Risk Management department, which is a team dedicated to managing credit risk associated with Morgan Stanley's leveraged finance originations business.Primary Responsibilities:- Evaluate leveraged lending requests across sectors, (including Technology, Media, and Telecom verticals), from Morgan Stanley clients and present and defend recommendations to senior leadership within Credit Risk Management and Capital Commitment Committee- Manage relationships with the investment banking and capital markets coverage teams, including ensuring proper information flow and appropriately identifying and conveying credit issues- Prepare and oversee documentation for credit decisions, including credit memos, detailed financial forecasts, and credit risk rating models- Oversee portfolio monitoring across a large range of investment grade and non-investment grade companies- Maintain an active view of single name, sector, and industry trends and ongoing communication with senior stakeholders and onsite regulatory team- Manage credit portfolio regulatory risk and address related inquiries - Bachelor's Degree- 7 - 10 years of experience in a similar credit role- Experience lending to growth stage companies including recurring revenue loans - Excellent analytical and quantitative skills with ability to assess complex information quickly and accurately- Strong verbal and oral communication skills to condense and articulate complicated ideas and findings clearly and succinctly- Ability to defend recommendations across multiple stakeholders, including credit risk management and the business unit management- Ability to work under pressure managing multiple time-sensitive deliverables- Experience developing and managing junior talent WHAT YOU CAN EXPECT FROM MORGAN STANLEY: We are committed to maintaining the first-class service and high standard of excellence that have defined Morgan Stanley for over 89 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren’t just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you’ll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There’s also ample opportunity to move about the business for those who show passion and grit in their work. To learn more about our offices across the globe, please copy and paste https://www.morganstanley.com/about-us/global-offices​ into your browser. Expected base pay rates for the role will be between $120,000 and $205,000 year at the commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs. Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. Consequently, our recruiting efforts reflect our desire to attract and retain the best and brightest from all talent pools. We want to be the first choice for prospective employees. It is the policy of the Firm to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, religion, creed, age, sex, sex stereotype, gender, gender identity or expression, transgender, sexual orientation, national origin, citizenship, disability, marital and civil partnership/union status, pregnancy, veteran or military service status, genetic information, or any other characteristic protected by law. Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).

Alternate Locations: Work from Home; Charlotte, NC (North Carolina); Fort Wayne, IN (Indiana); Greensboro, NC (North Carolina); Hartford, CT (Connecticut); Omaha, NE (Nebraska); Radnor, PA (Pennsylvania) Work Arrangement: Hybrid : 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 & Actuary, 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 with an opportunity to support other risk oversight functions that intersect 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 Support the development of reinsurance risk frameworks through partnerships across the organization and thought leadership and expertise in risk management practices. Build out independent reinsurance risk reporting that captures risk profiles, monitors performance, various triggers, etc. Evaluate and monitor risks associated with strategic initiatives and existing infrastructure, including captives, affiliate transactions, and financial reinsurance 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 implement reinsurance considerations into the risk appetite framework, including setting risk limits, thresholds, and reporting procedures Work with front-office teams to understand strategic initiatives, financial risks, and residual risk 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. Fellow of the Society of Actuaries (FSA), or Career ASA with additional years of experience. Experience 8+ years of experience in reinsurance, financial analysis, or a related field, preferably within the financial services industry. Experience working in a second line oversight role is a plus. Solid understanding of reinsurance structures including but not limited to financial reinsurance, 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 treaties, 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 January 20th, 2026 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: Accounting, Risk Management, Compliance, Actuarial, CFA, Finance, Legal, Insurance

Morgan Stanley Morgan Stanley is a leading global financial services firm providing a wide range of investment banking, securities, investment management and wealth management services. The Firm's employees serve clients worldwide including corporations, governments, and individuals from more than 1,200 offices in forty-three countries. The talent and passion of our people is critical to our continued success as a firm. Together, we share four core values rooted in integrity, excellence, and strong team ethic: Putting Clients First Doing the Right Thing Leading with Exceptional Ideas Giving Back Committing to Diversity and Inclusion Morgan Stanley is committed to helping its employees build meaningful careers and we strive to be a place for people to learn, achieve and grow. Firm Risk Management Firm Risk Management (FRM) enables 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. You will collaborate with colleagues across FRM and the Firm to protect the Firm's capital base and franchise, advise businesses and clients on risk mitigating strategies, develop tools and methodologies to analyze and monitor risk, contribute to key regulatory initiatives and report on risk exposures and metrics to enable informed and strategic decision-making. Through thoughtful analysis and clear communication, we are best able to bring our ideas to the table and improve the Firm. Firm Risk Management values diversity and is committed to providing a supportive and inclusive workplace for all employees. Firm Risk Management's unique franchise promotes: Flat, flexible, and integrated global organization Collaboration and teamwork Credible, independent decision-making Organizational influence Creative and practical solutions Meritocratic and diverse culture Background on the Position: This role will reside within Firm Risk Management's Model Risk Management team responsible for the Firm's management of model risks related to the implementation and use of valuation and risk models. This position requires strong risk management mindset, proven subject matter expertise in model validation, and excellent technical, leadership, and organizational skills. Responsibilities: Lead a team of Reviewers and perform independent model reviews of the Resi Mortgage pricing models including Whole Loans and Securitized Products compliant with Model Risk Management policies and procedures, regulatory guidance and industry leading practices, including evaluating conceptual soundness, quality of modeling methodology, model limitations, data quality, and on-going monitoring. Communicate model validation conclusions to relevant stakeholders and work with relevant 1LOD and 2LOD functions to develop appropriate remedial actions. Write comprehensive and high-quality review reports and oversee and train validation team members preparing such reports, Proactively identify and escalate thematic and idiosyncratic risk themes related to the models under the coverage area. Engage with relevant stakeholders in identifying effective approaches to managing such risks, Support high-profile, time-sensitive deliverables with limited supervision, Establish and sustain productive relationships with model stakeholders in 1LOD, 2LOD and 3LOD. Represent the Model Risk Management team in interactions with the business, model developers, the Internal Audit department and with regulatory agencies. Required Experience: Five or more years in development or model validation of pricing models for Mortgage Resi products such as Resi Whole Loans, Agency, and non-agency products, Experience with Rates and Securitization pricing models, Expertise in Financial Mathematics such as Stochastic Calculus and Statistics, Proficiency in statistical software packages, Advanced degree in Finance, Mathematics, Physics, Engineering, Economics, or related quantitative fields, Experience engaging with regulators and internal audit, Strong written and verbal communication, including ability to influence and effect change, Critical thinking, problem solving, resourcefulness, Ability work in a dynamic, fast-paced, high-pressure environment, Experience with team leadership, people management, including remote teams. 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).

Morgan Stanley Morgan Stanley is a leading global financial services firm providing a wide range of investment banking, securities, investment management and wealth management services. The Firm's employees serve clients worldwide including corporations, governments and individuals from more than 1,200 offices in 43 countries. The talent and passion of our people is critical to our continued success as a firm. Together, we share four core values rooted in integrity, excellence and strong team ethic: Putting Clients First Doing the Right Thing Leading with Exceptional Ideas Giving Back Committing to Diversity and Inclusion Morgan Stanley is committed to helping its employees build meaningful careers and we strive to be a place for people to learn, achieve and grow. Firm Risk Management Firm Risk Management (FRM) enables 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. You will collaborate with colleagues across FRM and the Firm to protect the Firm's capital base and franchise, advise businesses and clients on risk mitigating strategies, develop tools and methodologies to analyze and monitor risk, contribute to key regulatory initiatives and report on risk exposures and metrics to enable informed and strategic decision-making. Through thoughtful analysis and clear communication, we are best able to bring our ideas to the table and improve the Firm. Firm Risk Management values diversity and is committed to providing a supportive and inclusive workplace for all employees. Firm Risk Management's unique franchise promotes: > Flat, flexible and integrated global organization > Collaboration and teamwork > Credible, independent decision-making > Organizational influence > Creative and practical solutions > Meritocratic and diverse culture Background on the Position: This role will reside within Firm Risk Management's Model Risk Management team responsible for the Firm's management of model risks related to the implementation and use of valuation models and Pre-Position Net Revenue (PPNR) models for the Firm's Wealth Management products. This position requires strong risk management mindset, proven subject matter expertise in financial crime regulatory requirements and model validation, and excellent technical, leadership, and organizational skills. Primary Responsibilities > Perform independent model reviews compliant with Model Risk Management policies and procedures, regulatory guidance and industry leading practices, including evaluating conceptual soundness, modeling methodology, assumptions, model limitations / weaknesses, and on-going monitoring for Firm's valuation models and PPNR models to support Wealth Management deposits (sweeps, savings) and lending products. > Communicate model validation conclusions to Validation Head for WM Deposits and Lending models and relevant stakeholders and engage relevant 1LOD and 2LOD functions to adequately resolve identified model issues. > Write comprehensive and high-quality review reports for models validated > Support engagements with Internal Audit and regulators as required Experience Required > 2+ years performing model validations, preferably of valuation models or PPNR models. > Working knowledge of statistical techniques, quantitative finance. > Proficiency in statistical software packages. > Experience with modeling of customer behavior ; deposit or lending products, or treasury investment portfolio is a plus. > Sound understanding of model SR 11-7/OCC 2011-12. Skills Required > Graduate degree in Finance, Mathematics, Physics, Statistics or similar quantitative field. > Knowledge of machine learning techniques is a plus. > Risk-oriented mindset including effective risk prioritization, critical and analytical questioning, and ability and willingness to speak up. > Strong written and verbal communication skills. > Critical thinking, problem solving, team-collaboration skills. > Desire and ability work in a dynamic, fast-paced, high-pressure environment focusing on challenging tasks mixing fundamental, quantitative, and market-oriented knowledge and skills. 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).

Job Family Operational Risk About Us At Transamerica, hard work, innovative thinking, and personal accountability are qualities we honor and reward. We understand the potential of leveraging the talents of a diverse workforce. We embrace an environment where employees enjoy a balance between their careers, families, communities, and personal interests. Ultimately, we appreciate the uniqueness of a company where talented professionals work collaboratively in a positive environment - one focused on helping people look forward and plan for the best life possible while providing tools and solutions that make it easier to get there. Who We Are We believe everyone deserves to live their best life. More than a century ago, we were among the first financial services companies in America to serve everyday people from all walks of life. Today, we're part of an international holding company, with millions of customers and thousands of employees worldwide. Our insurance, retirement, and investment solutions help people make the most of what's important to them. We're empowered by a vast agent network covering North America, with diversity to match. Together with our nonprofit research institute and foundation, we tune in, step up, and are a force for good - for our customers and the communities where we live, work, and play. United in our purpose, we help people create the financial freedom to live life on their terms. What We Do Transamerica is organized into three distinct businesses. These include 1) World Financial Group, including Transamerica Financial Advisors, 2) Protection Solutions and Savings & Investments, comprised of life insurance, annuities, employee benefits, retirement plans, and Transamerica Investment Solutions, and 3) Financial Assets, which includes legacy blocks of long term care, universal life, and variable and fixed annuities. These are supported by Transamerica Corporate, which includes Finance, People and Places, General Counsel, Risk, Internal Audit, Strategy and Development, and Corporate Affairs, which covers Communications, Brand, and Government and Policy Affairs. Transamerica employs nearly 7,000 people. It's part of Aegon, an integrated, diversified, international financial services group serving approximately 23.9 million customers worldwide. * For more information, visit transamerica.com. Job Description Summary Provide subject matter expertise in Finance/Financial Assets on the day-to-day execution of the Transamerica Operational Risk Management program to ensure appropriate risk considerations are in place and practiced across the company including the identification, assessment, monitoring, and reporting of key risks across the company business and technology landscape. Develop and maintain relationships with business and technology management across three lines of defense. Job Description Applicants must possess legal authorization to work for our company in the U.S. without the need for immigration sponsorship or otherwise serving as an employer of record for immigration employment purposes. At this time, this role is not eligible for immigration-related employment authorization sponsorship. Responsibilities: Deep subject-matter expertise in risks, controls, and in-depth understanding of the Finance/Financial Assets business. Partner with business management to lead the execution of risk assessments across business groups. Challenge current process design, identify areas for improvement, and recommend changes to supporting policies, procedures and control execution to increase efficiency and quality. Lead risk issue management activities, including risk identification, root cause analysis, action plan status monitoring, and reporting of outcomes to management. Collaborate and challenge process owners during the development of action plans to assess adequacy of actions taken by management. Lead the execution of Risk & Control Self Assessments (RCSA) via review and challenge of inherent/residual risk scoring, risk mitigation, review control design and execution. Collaborate with peers in the Risk Management function, and various partners and stakeholders throughout the organization (e.g. line and functional management, compliance, IT, Internal Audit). Lead the execution of risk assessment activities across various organizational functions, programs, projects, processes, etc. Navigate company Governance Risk & Compliance (GRC) tool to record, update and report on various risk issues, risk events, action plans, etc. Qualifications: Bachelor's degree in accounting, finance, or relevant field Eight years of experience working in operational risk management or internal controls related environment Progressive experience in operational risk management, internal controls, audit, risk management, or equivalent field Deep understanding of operational functions, preferably in the financial services industry In-depth knowledge and hands on experience with risk management principles and techniques including development of process flows, identification and assessment of risks and controls, testing and monitoring procedures, and development of related metrics Strong risk and control background including knowledge of SOX framework Ability to present and interact with various levels of management Ability to build relationships with people at all levels Excellent oral/written communication skills Preferred Qualifications: Strong knowledge and/or experience in the insurance or financial services industry CPA CIA CISA Working Conditions: Hybrid office environment: 3 days/week in one of our core offices: Baltimore, MD/Cedar Rapids, IA/Denver, CO/Philadelphia, PA Occasional travel Compensation: The Salary for this position generally ranges between $104,000 - $110,000 annually. Please note that the salary range is a good faith estimate for this position and actual starting pay is determined by several factors including qualifications, experience, geography, work location designation (in-office, hybrid, remote) and operational needs. Salary may vary above and below the stated amounts, as permitted by applicable law. Additionally, this position is typically eligible for an Annual Bonus based on the Company Bonus Plan/Individual Performance and is at the Company's discretion. #LI-BD1 This job description is not a contract of employment nor for any specific job responsibilities. The Company may change, add to, remove, or revoke the terms of this job description at its discretion. Managers may assign other duties and responsibilities as needed. In the event an employee or applicant requests or requires an accommodation in order to perform job functions, the applicable HR Business Partner should be contacted to evaluate the accommodation request. What We Offer For eligible employees, we offer a comprehensive benefits package designed to support both the personal and financial well-being of our employees. Compensation Benefits Competitive Pay Bonus for Eligible Employees Benefits Package Pension Plan 401k Match Employee Stock Purchase Plan Tuition Reimbursement Disability Insurance Medical Insurance Dental Insurance Vision Insurance Employee Discounts Career Training & Development Opportunities Health and Work/Life Balance Benefits Paid Time Off starting at 160 hours annually for employees in their first year of service. Ten (10) paid holidays per year (typically mirroring the New York Stock Exchange (NYSE) holidays). Be Well Company holistic wellness program, which includes Wellness Coaching and Reward Dollars Parental Leave - fifteen (15) days of paid parental leave per calendar year to eligible employees with at least one year of service at the time of birth, placement of an adopted child, or placement of a foster care child. Adoption Assistance Employee Assistance Program College Coach Program Back-Up Care Program PTO for Volunteer Hours Employee Matching Gifts Program Employee Resource Groups Inclusion and Diversity Programs Employee Recognition Program Referral Bonus Programs Inclusion & Diversity We believe our commitment to diversity and inclusion creates a work environment filled with exceptional individuals. We're thrilled to have been recognized for our efforts through the Human Rights Campaign Corporate Equality Index, Dave Thomas Adoption Friendly Advocate, and several Seramount lists, including the Inclusion Index, 100 Best Companies for Working Parents, Best Companies for Dads, and Top 75 Companies for Executive Women. To foster a culture of inclusivity throughout our workforce, workplace, and marketplace, Transamerica offers a wide range of diversity and inclusion programs. This includes our company-sponsored, employee-driven Employee Resource Groups (ERGs), which are formed around a shared interest or a common characteristic of diversity. ERGs are open to all employees. They provide a supportive environment to help us better appreciate our similarities and differences and understand how they benefit us all. Giving Back We believe our responsibilities extend beyond our corporate walls. That's why we created the Aegon Transamerica Foundation in 1994. Through a mix of financial grants and the volunteer efforts of our employees, the foundation supports nonprofit organizations focused on the things that matter most to our people in the communities where we live and work. Transamerica's Parent Company Aegon acquired the Transamerica business in 1999. Since its start in 1844, Aegon has grown into an international company serving more than 23.9 million people across the globe. * It offers investment, protection, and retirement solutions, always with a clear purpose: Helping people live their best lives. As a leading global investor and employer, the company seeks to have a positive impact by addressing critical environmental and societal issues, with a focus on climate change and inclusion and diversity. As of December 31, 2023

Who Are We? Taking care of our customers, our communities and each other. That’s the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 170 years. Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it. Job Category Product Compensation Overview The annual base salary range provided for this position is a nationwide market range and represents a broad range of salaries for this role across the country. The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. As part of our comprehensive compensation and benefits program, employees are also eligible for performance-based cash incentive awards. Salary Range $81,500.00 - $134,500.00 Target Openings 1 What Is the Opportunity? Within the Product & UW team at Travelers, you will have the opportunity to regularly engage in unique and intellectually stimulating business problems. As a Sr Analyst, PM, Portfolio Risk Management, you will serve as an influential member of project teams focused on catastrophe (CAT) risk management, providing analytical insights to leadership and business partners. You will analyze portfolio risk to help inform CAT underwriting and product pricing strategy, monitor aggregation profiles, and perform risk reward analytics to assess the risk of financial loss due to natural and manmade catastrophes. You may support CAT Event Response coordination, producing impacted exposure summaries for major events and providing guidance to line of business and state teams, as well as executive, claim, reserving and analytical teams. You will also maintain working knowledge of the data ecosystems for management of CAT metrics, reports, and exposure data. By collaborating with partners across the organization you will ensure strategic direction and alignment for successful execution. What Will You Do? Independently conduct and understand data analysis of business results including product refreshes, performance expectations and identifying root cause. Formulate and execute potential recommendations to drive desired growth & profitability impacts based on established strategy with consideration for local regulatory nuances, and broader marketplace dynamics. Present, inform and influence recommendations to business partners including proposed product/pricing changes or new product builds. May function as a subject matter expert in strategic initiatives to support the goals and objectives of the broader organization. May coach and mentor on specific projects. Perform other duties as assigned. What Will Our Ideal Candidate Have? Bachelor’s degree in Business Management/Administration, Mathematics, Finance, Actuarial Science, Economics, or other analytics related field. Three years’ experience working in a mathematical, analytical, or data related role preferably in the financial services industry. Experience with competitive analysis tools. Strategic thinker with the ability to use sound judgment to resolve issues as they arise. Excellent communication skills with the ability to consult and present information effectively. Strong data analysis skills with the ability to interpret trends and provide insights and recommendations to business partners. Knowledge of pricing and actuarial techniques and understanding of actuarial concepts such as loss development and trending. Understand ratemaking and its application, such as profitability, risk loads, etc. Understand the workflow and terminology of insurance products and processes and their impact on profit and loss. What is a Must Have? Bachelor's Degree or equivalent combination of education and experience. Two years of experience in data analytics or similar work experience. What Is in It for You? Health Insurance : Employees and their eligible family members – including spouses, domestic partners, and children – are eligible for coverage from the first day of employment. Retirement: Travelers matches your 401(k) contributions dollar-for-dollar up to your first 5% of eligible pay, subject to an annual maximum. If you have student loan debt, you can enroll in the Paying it Forward Savings Program. When you make a payment toward your student loan, Travelers will make an annual contribution into your 401(k) account. You are also eligible for a Pension Plan that is 100% funded by Travelers. Paid Time Off: Start your career at Travelers with a minimum of 20 days Paid Time Off annually, plus nine paid company Holidays. Wellness Program: The Travelers wellness program is comprised of tools, discounts and resources that empower you to achieve your wellness goals and caregiving needs. In addition, our mental health program provides access to free professional counseling services, health coaching and other resources to support your daily life needs. Volunteer Encouragement: We have a deep commitment to the communities we serve and encourage our employees to get involved. Travelers has a Matching Gift and Volunteer Rewards program that enables you to give back to the charity of your choice. Employment Practices Travelers is an equal opportunity employer. We value the unique abilities and talents each individual brings to our organization and recognize that we benefit in numerous ways from our differences. In accordance with local law, candidates seeking employment in Colorado are not required to disclose dates of attendance at or graduation from educational institutions. If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email so we may assist you. Travelers reserves the right to fill this position at a level above or below the level included in this posting. To learn more about our comprehensive benefit programs please visit http://careers.travelers.com/life-at-travelers/benefits/ .

Job Family Operational Risk About Us At Transamerica, hard work, innovative thinking, and personal accountability are qualities we honor and reward. We understand the potential of leveraging the talents of a diverse workforce. We embrace an environment where employees enjoy a balance between their careers, families, communities, and personal interests. Ultimately, we appreciate the uniqueness of a company where talented professionals work collaboratively in a positive environment - one focused on helping people look forward and plan for the best life possible while providing tools and solutions that make it easier to get there. Who We Are We believe everyone deserves to live their best life. More than a century ago, we were among the first financial services companies in America to serve everyday people from all walks of life. Today, we're part of an international holding company, with millions of customers and thousands of employees worldwide. Our insurance, retirement, and investment solutions help people make the most of what's important to them. We're empowered by a vast agent network covering North America, with diversity to match. Together with our nonprofit research institute and foundation, we tune in, step up, and are a force for good - for our customers and the communities where we live, work, and play. United in our purpose, we help people create the financial freedom to live life on their terms. What We Do Transamerica is organized into three distinct businesses. These include 1) World Financial Group, including Transamerica Financial Advisors, 2) Protection Solutions and Savings & Investments, comprised of life insurance, annuities, employee benefits, retirement plans, and Transamerica Investment Solutions, and 3) Financial Assets, which includes legacy blocks of long term care, universal life, and variable and fixed annuities. These are supported by Transamerica Corporate, which includes Finance, People and Places, General Counsel, Risk, Internal Audit, Strategy and Development, and Corporate Affairs, which covers Communications, Brand, and Government and Policy Affairs. Transamerica employs nearly 7,000 people. It's part of Aegon, an integrated, diversified, international financial services group serving approximately 23.9 million customers worldwide. * For more information, visit transamerica.com. Job Description Summary Provide subject matter expertise in Finance/Financial Assets on the day-to-day execution of the Transamerica Operational Risk Management program to ensure appropriate risk considerations are in place and practiced across the company including the identification, assessment, monitoring, and reporting of key risks across the company business and technology landscape. Develop and maintain relationships with business and technology management across three lines of defense. Job Description Applicants must possess legal authorization to work for our company in the U.S. without the need for immigration sponsorship or otherwise serving as an employer of record for immigration employment purposes. At this time, this role is not eligible for immigration-related employment authorization sponsorship. Responsibilities: Deep subject-matter expertise in risks, controls, and in-depth understanding of the Finance/Financial Assets business. Partner with business management to lead the execution of risk assessments across business groups. Challenge current process design, identify areas for improvement, and recommend changes to supporting policies, procedures and control execution to increase efficiency and quality. Lead risk issue management activities, including risk identification, root cause analysis, action plan status monitoring, and reporting of outcomes to management. Collaborate and challenge process owners during the development of action plans to assess adequacy of actions taken by management. Lead the execution of Risk & Control Self Assessments (RCSA) via review and challenge of inherent/residual risk scoring, risk mitigation, review control design and execution. Collaborate with peers in the Risk Management function, and various partners and stakeholders throughout the organization (e.g. line and functional management, compliance, IT, Internal Audit). Lead the execution of risk assessment activities across various organizational functions, programs, projects, processes, etc. Navigate company Governance Risk & Compliance (GRC) tool to record, update and report on various risk issues, risk events, action plans, etc. Qualifications: Bachelor's degree in accounting, finance, or relevant field Eight years of experience working in operational risk management or internal controls related environment Progressive experience in operational risk management, internal controls, audit, risk management, or equivalent field Deep understanding of operational functions, preferably in the financial services industry In-depth knowledge and hands on experience with risk management principles and techniques including development of process flows, identification and assessment of risks and controls, testing and monitoring procedures, and development of related metrics Strong risk and control background including knowledge of SOX framework Ability to present and interact with various levels of management Ability to build relationships with people at all levels Excellent oral/written communication skills Preferred Qualifications: Strong knowledge and/or experience in the insurance or financial services industry CPA CIA CISA Working Conditions: Hybrid office environment: 3 days/week in one of our core offices: Baltimore, MD/Cedar Rapids, IA/Denver, CO/Philadelphia, PA Occasional travel Compensation: The Salary for this position generally ranges between $104,000 - $110,000 annually. Please note that the salary range is a good faith estimate for this position and actual starting pay is determined by several factors including qualifications, experience, geography, work location designation (in-office, hybrid, remote) and operational needs. Salary may vary above and below the stated amounts, as permitted by applicable law. Additionally, this position is typically eligible for an Annual Bonus based on the Company Bonus Plan/Individual Performance and is at the Company's discretion. #LI-BD1 This job description is not a contract of employment nor for any specific job responsibilities. The Company may change, add to, remove, or revoke the terms of this job description at its discretion. Managers may assign other duties and responsibilities as needed. In the event an employee or applicant requests or requires an accommodation in order to perform job functions, the applicable HR Business Partner should be contacted to evaluate the accommodation request. What We Offer For eligible employees, we offer a comprehensive benefits package designed to support both the personal and financial well-being of our employees. Compensation Benefits Competitive Pay Bonus for Eligible Employees Benefits Package Pension Plan 401k Match Employee Stock Purchase Plan Tuition Reimbursement Disability Insurance Medical Insurance Dental Insurance Vision Insurance Employee Discounts Career Training & Development Opportunities Health and Work/Life Balance Benefits Paid Time Off starting at 160 hours annually for employees in their first year of service. Ten (10) paid holidays per year (typically mirroring the New York Stock Exchange (NYSE) holidays). Be Well Company holistic wellness program, which includes Wellness Coaching and Reward Dollars Parental Leave - fifteen (15) days of paid parental leave per calendar year to eligible employees with at least one year of service at the time of birth, placement of an adopted child, or placement of a foster care child. Adoption Assistance Employee Assistance Program College Coach Program Back-Up Care Program PTO for Volunteer Hours Employee Matching Gifts Program Employee Resource Groups Inclusion and Diversity Programs Employee Recognition Program Referral Bonus Programs Inclusion & Diversity We believe our commitment to diversity and inclusion creates a work environment filled with exceptional individuals. We're thrilled to have been recognized for our efforts through the Human Rights Campaign Corporate Equality Index, Dave Thomas Adoption Friendly Advocate, and several Seramount lists, including the Inclusion Index, 100 Best Companies for Working Parents, Best Companies for Dads, and Top 75 Companies for Executive Women. To foster a culture of inclusivity throughout our workforce, workplace, and marketplace, Transamerica offers a wide range of diversity and inclusion programs. This includes our company-sponsored, employee-driven Employee Resource Groups (ERGs), which are formed around a shared interest or a common characteristic of diversity. ERGs are open to all employees. They provide a supportive environment to help us better appreciate our similarities and differences and understand how they benefit us all. Giving Back We believe our responsibilities extend beyond our corporate walls. That's why we created the Aegon Transamerica Foundation in 1994. Through a mix of financial grants and the volunteer efforts of our employees, the foundation supports nonprofit organizations focused on the things that matter most to our people in the communities where we live and work. Transamerica's Parent Company Aegon acquired the Transamerica business in 1999. Since its start in 1844, Aegon has grown into an international company serving more than 23.9 million people across the globe. * It offers investment, protection, and retirement solutions, always with a clear purpose: Helping people live their best lives. As a leading global investor and employer, the company seeks to have a positive impact by addressing critical environmental and societal issues, with a focus on climate change and inclusion and diversity. As of December 31, 2023

Job Family Operational Risk About Us At Transamerica, hard work, innovative thinking, and personal accountability are qualities we honor and reward. We understand the potential of leveraging the talents of a diverse workforce. We embrace an environment where employees enjoy a balance between their careers, families, communities, and personal interests. Ultimately, we appreciate the uniqueness of a company where talented professionals work collaboratively in a positive environment - one focused on helping people look forward and plan for the best life possible while providing tools and solutions that make it easier to get there. Who We Are We believe everyone deserves to live their best life. More than a century ago, we were among the first financial services companies in America to serve everyday people from all walks of life. Today, we're part of an international holding company, with millions of customers and thousands of employees worldwide. Our insurance, retirement, and investment solutions help people make the most of what's important to them. We're empowered by a vast agent network covering North America, with diversity to match. Together with our nonprofit research institute and foundation, we tune in, step up, and are a force for good - for our customers and the communities where we live, work, and play. United in our purpose, we help people create the financial freedom to live life on their terms. What We Do Transamerica is organized into three distinct businesses. These include 1) World Financial Group, including Transamerica Financial Advisors, 2) Protection Solutions and Savings & Investments, comprised of life insurance, annuities, employee benefits, retirement plans, and Transamerica Investment Solutions, and 3) Financial Assets, which includes legacy blocks of long term care, universal life, and variable and fixed annuities. These are supported by Transamerica Corporate, which includes Finance, People and Places, General Counsel, Risk, Internal Audit, Strategy and Development, and Corporate Affairs, which covers Communications, Brand, and Government and Policy Affairs. Transamerica employs nearly 7,000 people. It's part of Aegon, an integrated, diversified, international financial services group serving approximately 23.9 million customers worldwide. * For more information, visit transamerica.com. Job Description Summary Provide subject matter expertise in Finance/Financial Assets on the day-to-day execution of the Transamerica Operational Risk Management program to ensure appropriate risk considerations are in place and practiced across the company including the identification, assessment, monitoring, and reporting of key risks across the company business and technology landscape. Develop and maintain relationships with business and technology management across three lines of defense. Job Description Applicants must possess legal authorization to work for our company in the U.S. without the need for immigration sponsorship or otherwise serving as an employer of record for immigration employment purposes. At this time, this role is not eligible for immigration-related employment authorization sponsorship. Responsibilities: Deep subject-matter expertise in risks, controls, and in-depth understanding of the Finance/Financial Assets business. Partner with business management to lead the execution of risk assessments across business groups. Challenge current process design, identify areas for improvement, and recommend changes to supporting policies, procedures and control execution to increase efficiency and quality. Lead risk issue management activities, including risk identification, root cause analysis, action plan status monitoring, and reporting of outcomes to management. Collaborate and challenge process owners during the development of action plans to assess adequacy of actions taken by management. Lead the execution of Risk & Control Self Assessments (RCSA) via review and challenge of inherent/residual risk scoring, risk mitigation, review control design and execution. Collaborate with peers in the Risk Management function, and various partners and stakeholders throughout the organization (e.g. line and functional management, compliance, IT, Internal Audit). Lead the execution of risk assessment activities across various organizational functions, programs, projects, processes, etc. Navigate company Governance Risk & Compliance (GRC) tool to record, update and report on various risk issues, risk events, action plans, etc. Qualifications: Bachelor's degree in accounting, finance, or relevant field Eight years of experience working in operational risk management or internal controls related environment Progressive experience in operational risk management, internal controls, audit, risk management, or equivalent field Deep understanding of operational functions, preferably in the financial services industry In-depth knowledge and hands on experience with risk management principles and techniques including development of process flows, identification and assessment of risks and controls, testing and monitoring procedures, and development of related metrics Strong risk and control background including knowledge of SOX framework Ability to present and interact with various levels of management Ability to build relationships with people at all levels Excellent oral/written communication skills Preferred Qualifications: Strong knowledge and/or experience in the insurance or financial services industry CPA CIA CISA Working Conditions: Hybrid office environment: 3 days/week in one of our core offices: Baltimore, MD/Cedar Rapids, IA/Denver, CO/Philadelphia, PA Occasional travel Compensation: The Salary for this position generally ranges between $104,000 - $110,000 annually. Please note that the salary range is a good faith estimate for this position and actual starting pay is determined by several factors including qualifications, experience, geography, work location designation (in-office, hybrid, remote) and operational needs. Salary may vary above and below the stated amounts, as permitted by applicable law. Additionally, this position is typically eligible for an Annual Bonus based on the Company Bonus Plan/Individual Performance and is at the Company's discretion. #LI-BD1 This job description is not a contract of employment nor for any specific job responsibilities. The Company may change, add to, remove, or revoke the terms of this job description at its discretion. Managers may assign other duties and responsibilities as needed. In the event an employee or applicant requests or requires an accommodation in order to perform job functions, the applicable HR Business Partner should be contacted to evaluate the accommodation request. What We Offer For eligible employees, we offer a comprehensive benefits package designed to support both the personal and financial well-being of our employees. Compensation Benefits Competitive Pay Bonus for Eligible Employees Benefits Package Pension Plan 401k Match Employee Stock Purchase Plan Tuition Reimbursement Disability Insurance Medical Insurance Dental Insurance Vision Insurance Employee Discounts Career Training & Development Opportunities Health and Work/Life Balance Benefits Paid Time Off starting at 160 hours annually for employees in their first year of service. Ten (10) paid holidays per year (typically mirroring the New York Stock Exchange (NYSE) holidays). Be Well Company holistic wellness program, which includes Wellness Coaching and Reward Dollars Parental Leave - fifteen (15) days of paid parental leave per calendar year to eligible employees with at least one year of service at the time of birth, placement of an adopted child, or placement of a foster care child. Adoption Assistance Employee Assistance Program College Coach Program Back-Up Care Program PTO for Volunteer Hours Employee Matching Gifts Program Employee Resource Groups Inclusion and Diversity Programs Employee Recognition Program Referral Bonus Programs Inclusion & Diversity We believe our commitment to diversity and inclusion creates a work environment filled with exceptional individuals. We're thrilled to have been recognized for our efforts through the Human Rights Campaign Corporate Equality Index, Dave Thomas Adoption Friendly Advocate, and several Seramount lists, including the Inclusion Index, 100 Best Companies for Working Parents, Best Companies for Dads, and Top 75 Companies for Executive Women. To foster a culture of inclusivity throughout our workforce, workplace, and marketplace, Transamerica offers a wide range of diversity and inclusion programs. This includes our company-sponsored, employee-driven Employee Resource Groups (ERGs), which are formed around a shared interest or a common characteristic of diversity. ERGs are open to all employees. They provide a supportive environment to help us better appreciate our similarities and differences and understand how they benefit us all. Giving Back We believe our responsibilities extend beyond our corporate walls. That's why we created the Aegon Transamerica Foundation in 1994. Through a mix of financial grants and the volunteer efforts of our employees, the foundation supports nonprofit organizations focused on the things that matter most to our people in the communities where we live and work. Transamerica's Parent Company Aegon acquired the Transamerica business in 1999. Since its start in 1844, Aegon has grown into an international company serving more than 23.9 million people across the globe. * It offers investment, protection, and retirement solutions, always with a clear purpose: Helping people live their best lives. As a leading global investor and employer, the company seeks to have a positive impact by addressing critical environmental and societal issues, with a focus on climate change and inclusion and diversity. As of December 31, 2023