About this role:
Wells Fargo is seeking a Senior Lead Risk Officer within Corporate Risk supporting the Auto Servicing and Collections organization. As part of Independent Risk Management's second line of defense, this role provides independent oversight of credit risk, servicing and collections strategies, portfolio performance, analytics, and transformation initiatives. Leads risk assessment, governance, monitoring, and credible challenge of business activities to ensure adherence to risk appetite, credit policy, regulatory requirements, and the Risk Management Framework. Partners with front-line leadership, Compliance, and Operational Risk teams to evaluate emerging risks, significant business changes, and risk mitigation strategies while providing independent assessment of the front line's risk management activities. For more information on our lines of business and career areas visit www.wellsfargojobs.com
In this role, you will:
- Provide independent risk oversight of Auto Servicing and Collections strategies, portfolio performance, and customer outcomes.
- Assess servicing and collections strategies, policy execution, risk management practices, remediation plans, and business assumptions.
- Monitor servicing and collections performance, workforce capacity, portfolio trends, customer outcomes, and emerging risks.
- Independently retrieve, analyze, and interpret servicing and collections data to assess business performance and validate front-line reporting and conclusions.
- Conduct targeted risk assessments and deep-dive reviews of servicing and collections activities, strategies, controls, and outcomes.
- Partner with Compliance, Operational Risk, Control Management, Audit, Legal, and Front-line business leaders.
- Provide credible challenge on business assumptions, performance results, analytics, risk assessments, and proposed risk mitigation strategies.
- Prepare and deliver risk assessments, reporting, presentations, and insights for senior management, governance committees, audits, and regulatory engagements.
- Mentor and develop risk professionals supporting servicing and collections oversight activities.
Required Qualifications:
- 7+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
- 3+ years of SAS programming and data analysis experience supporting risk management, portfolio monitoring, operational oversight, or business analytics
Desired Qualifications:
- Advanced SAS and SQL experience, including data extraction, data validation, portfolio analysis, trend monitoring, and development of management and executive reporting.
- Demonstrated ability to provide independent assessment and credible challenge of business strategies, risk management practices, performance results, risk assessments, and remediation plans.
- Strong executive communication, presentation, and stakeholder management skills, including experience communicating risk assessments, portfolio trends, and emerging risks to senior leaders and governance committees.
- Experience in Auto Lending and/or Servicing and Collections oversight, portfolio monitoring, analytics, or risk management.
Posting Locations:
- 550 S. Tryon Street - Charlotte, North Carolina
- 401 Las Colinas Blvd W Bldg B Irving, Texas
- 800 S Jordan Creek Pkwy, West Des Moines, IA
Job Expectations:
- Required locations listed above. Relocation assistance is not available for this position.
- This position is not eligible for VISA sponsorship
Specific compliance policies may apply regarding outside activities and/or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process.
Posting End Date:
1 Nov 2026
*Job posting may come down early due to volume of applicants.
We Value Equal Opportunity
Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.
Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.
Applicants with Disabilities
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.
Drug and Alcohol Policy
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.
Wells Fargo Recruitment and Hiring Requirements:
a. Third-Party recordings are prohibited unless authorized by Wells Fargo.
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.
c. Please be prepared to provide accurate information and supporting documentation in connection with any lawful employment and education verification conducted by Wells Fargo.
