Capital Planning Risk Manager

JOB RESPONSIBILITIES  

• Lead Capital Policy & Strategic Initiatives: Drive key capital-related projects, including the Bank’s recovery and resolution planning. Ensure capital strategies and policies remain aligned with management decisions, regulatory guidelines, and the enterprise risk appetite and limits. Collaborate with Enterprise Risk Management on risk governance to integrate capital planning with the Bank’s overall risk framework. 

• Governance & Documentation: Oversee capital plan governance processes and keep capital planning documentation current. Regularly update the Capital Policy, Capital Contingency Plan, committee charters, and related materials to reflect evolving regulatory expectations and internal strategy changes. Ensure the capital plan and policy include appropriate capital goals, targets, and contingency triggers commensurate with the Bank’s risk profile and Board directives. 

• Capital Monitoring & Risk Assessment: Continuously monitor the Bank’s capital metrics (capital ratios, risk-weighted assets, etc.) against internal targets and regulatory thresholds. Evaluate how changes in the risk landscape (e.g. economic conditions, portfolio risks) could affect capital adequacy, incorporating stress test results into capital forecasts. Watch for trigger events under the Capital Contingency Plan and be prepared to escalate issues as appropriate. Ensure that material risks identified through the risk identification process are factored into capital planning processes. 

• Recommendations & Reporting: Provide actionable recommendations to senior management on managing capital. Propose capital actions (such as dividend adjustments or capital raises) based on analysis to maintain adequate buffers. Prepare clear, concise reports and presentations on capital adequacy for the Capital Management Committee, senior executives, and the Board, including quarterly capital updates highlighting trends, risks, and projections. Conduct ad-hoc quantitative analyses (e.g. peer bank comparisons, scenario analyses) to support proactive capital management and strategic decision-making. 

• Responsible for talent management functions including: employment, performance evaluations, staff development/training, disciplinary actions, succession planning and ensuring all staff comply with compliance requirements. 

ADDITIONAL ACCOUNTABILITIES 

• Performs special projects, and additional duties and responsibilities as required. 

• Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings.  Accountable to maintain compliance with applicable federal, state and local laws and regulations.  

JOB REQUIREMENTS  

Required Qualifications: 

• Education level required: ​Undergraduate Degree (4 years or equivalent)​ in Finance, Economics, Accounting, Business Administration or related field3 (or equivalent experience in financial risk management). 

• Minimum experience required: ​8+ Years​ in bank capital planning, stress testing, or financial risk management roles. Proven expertise in evaluating capital adequacy and managing regulatory capital processes. Hands-on analytical experience (e.g. stress testing or financial modeling). 

• Technical Skills: Deep knowledge of regulatory capital requirements (e.g. Basel III standards) and capital planning regulations. Proficiency in financial analysis and modeling tools. 

Preferred Qualifications: 

• Education level preferred: ​Master's Degree (or Postgraduate equivalent)​ in Finance, Economics, Business, or other related field.  

• Professional certification such as CFA or FRM. 

• Experience contributing to recovery and resolution planning or capital planning in a banking environment. 

• Familiarity with enterprise risk management frameworks and regulatory examinations related to capital planning. 

Job Competencies: 

• Strategic & Analytical Thinking: Strategic mindset with strong analytical skills to assess complex risk data and anticipate capital needs. Able to interpret stress test results and risk model outputs to guide capital strategy. 

• Risk Management Knowledge: Comprehensive understanding of bank risk types (credit, market, liquidity, etc.) and how they influence capital requirements. Skilled at integrating risk information into capital planning and policy decisions. 

• Communication: Excellent communication and presentation abilities, including strong technical writing skills. Able to convey complex capital analysis in simple terms to senior management and regulators. 

• Collaboration & Leadership: Effective in working across departments (e.g., Finance, Treasury, Risk, etc.) to coordinate capital planning efforts. Influences stakeholders and builds consensus on capital initiatives without direct authority. 

• Attention to Detail: High level of accuracy and diligence in preparing reports, policies, and analyses. Ensures robust controls and validation in the capital planning process to maintain data integrity and consistency. 

• Adaptability: Flexibility to adjust plans based on changing regulatory requirements or strategic priorities. Continuously seeks improvements in capital planning processes and stays updated on industry best practices and regulatory developments. 

• Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights. Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results. 

• Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience. 

• Fosters a positive work culture and productive work environment, driving strategy and displaying importance of effective relationships with customers and stakeholders to influence and coach. 

• Travel requirements: 10% or less.

• Physical demands (ADA): ​No unusual physical exertion is involved.​