Business Risk & Controls Manager

About the role

Happen Bank is looking for a risk-minded, detail-oriented Risk and Controls Manager to join our Business Risk and Controls team, reporting to the Sr Director. In this role, you will play a critical part in strengthening our first line of defense by owning the execution of our Risk and Controls Self-Assessment (RCSA) program across Deposits, Lending, and Operations and leading first line control testing activities. This is a high-impact opportunity for a seasoned risk professional who thrives in a structured yet dynamic environment and is passionate about building a culture of sound risk management within a modern, tech-forward bank.

Responsibilities

• Execute end-to-end RCSA activities across assigned business units, including process mapping, risk identification, control elicitation, inherent and residual risk rating, and ongoing program maintenance
• Conduct first line control testing in accordance with established methodologies, documenting results, identifying control gaps, and tracking remediation
• Partner closely with business line stakeholders to assess the effectiveness of key controls and translate complex risk concepts into actionable insights
• Maintain and update RCSA documentation, control inventories, and risk registers in the GRC system of record
• Monitor the risk and control environment for changes driven by new products, processes, or regulatory developments and ensure the RCSA reflects those changes
• Support issue management activities, including root cause analysis, remediation tracking, and validation testing
• Contribute to the continuous improvement of RCSA program standards, templates, and methodologies
• Proactively leverage and look for ways AI can create efficiency to evolve the risk and control environment
• Liaise with second line Risk and Compliance and Internal Audit as needed
• About You
• 4+ years of progressive experience in financial services, with a meaningful focus on risk management, operational risk, compliance, and/or business process modeling
• Strong working knowledge of RCSA frameworks and first line risk and control concepts
• Demonstrated ability to facilitate complex risk discussions and confidently challenge, influence, and guide leaders at all levels in support of sound risk management and business outcomes
• Superb meeting facilitation skills with the ability to keep participants engaged and on task
• Experience designing or executing control testing programs, including test script development and evidence evaluation
• Familiarity with GRC platforms (e.g., Optro, Archer, ServiceNow, MetricStream, or similar)
• Ability to independently manage workload, prioritize competing demands, and deliver quality work product with minimal supervision
• Excellent written and verbal communication skills, with the ability to present risk findings clearly to both technical and non-technical audiences
• Project discipline with the ability to translate business needs into executable project plans and drive against those timelines
• Experience with AI platforms (ChatGPT, Claude, OpenAI, etc.)
• A collaborative, solutions-oriented mindset with a strong sense of accountability
• Bachelor's degree or higher, or equivalent combination of education and experience

Requirements

• Experience in consumer banking, lending, or fintech
• Working knowledge of consumer lending and/or banking regulations (e.g., EFTA, TILA, TISA, Reg CC, FCRA, FACTA, BSA/AML, GLBA, etc) and/or SOX control frameworks
• Work Location
• Lehi
• Time Zone Requirements
• Local hours (MT)
• While the position will primarily work local hours, Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary.
• Travel Requirements
• As needed travel to Happen Bank offices and/or other locations, as needed.

Benefits

Additional Information

Current Employees of Happen Bank: Please apply via your internal Workday Account Happen Bank (formerly LendingClub) is built around a simple purpose: to clear the way to help people turn intention into action, and action into financial progress. That means offering focused products, a frictionless mobile-first experience, and clear terms with no gotchas. Respect and fairness is part of our DNA, and that ideal shapes how we work, how we treat each other, and how we invest in our employees and our community. Join us in using data, bold thinking, and a commitment to innovation to help clear the way for millions of Americans to achieve more.

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