Enterprise Risk Assoc - Change Control

Job description

Job Description

Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume when submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message. In order to receive text message invitations, your profile must include a mobile phone number designated as "Personal Cell" or "Cellular" in the contact information of your application.

At Wells Fargo, we are looking for talented people who will put our customers at the center of everything we do. We are seeking candidates who embrace diversity, equity and inclusion in a workplace where everyone feels valued and inspired.

Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.

Wells Fargo's Consumer Lending businesses empower millions of customers to achieve their dreams every day. Whether it's buying a home, purchasing a car, funding a significant purchase, or making important daily credit card purchases, Consumer Lending provides important credit products and services that help our customers succeed. The group includes Home Lending; Auto; Cards, Retail and Merchant Services; Personal Lending; Consumer Lending Control; and Consumer Lending Shared Services.

The Consumer Lending team partners with other businesses across Wells Fargo to create and deliver transformational experiences that help customers gain access to credit. The vision for the Consumer Lending business is to leverage technology and data to make it simple for customers to easily access credit when and where they need it. Consumer Lending serves customers across the country through our distribution network of more than 5,300 retail banking branches and Home Lending offices, as well as online and digital channels.

Home Lending Servicing currently has an opportunity for a detail oriented risk professional to work with Home Lending Servicing and Independent Risk Management partners to participate in the change management process. The successful candidate will be dedicated to understanding credit policies, strategies, regulations, and investor guidelines to ensure that they are implemented accurately in Home Lending Servicing. The successful candidate will need to work independently and with a sense of urgency.

Specifically this individual will be responsible for:
• Engaging with Senior Leaders across Risk, Servicing, Legal, Compliance, and Control to develop a solid understanding of current credit policies and strategies, regulations, and investor guidelines as well as proposed changes across all Home Lending portfolios including Serviced for Others, Wells Owned Mortgage and Home Equity and across all areas of Servicing including loss mitigation, liquidation, collections, foreclosure, REO, bankruptcy, loss recognition, and performing servicing.
• Partnering with the line of business to understand how changes are being reflected in technology, tools, procedures, processes and business requirements to ensure all aspects of the policy and strategies are being accurately implemented.
• Credibly challenge the business and influence partners and escalate when appropriate.
• Collaborating with other credit policy SME's on impact assessments and questions from the business to provide timely resolution on requests.
• Understand regulations and investor guidance to ensure we comply.
• Make recommendations and credibly challenge to improve programs and execution.
• Support automation of mortgage servicing by ensuring accurate translation of policy and strategy requirements into technology.

• 2+ years of experience in risk (includes compliance, financial crimes, operational risk, audit, legal, credit risk, market risk, IT systems security, business process management demonstrated through work or military) or 1+ year in the foregoing or financial services industry and a BS/BA degree or higher in business or a related field

• Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment
• Ability to develop partnerships and collaborate with other business and functional areas
• Intermediate Microsoft Office (Word, Excel, Outlook, and PowerPoint) skills
• A BS/BA degree or higher

• Excellent collaboration and communication skills. Ability to clearly and concisely communicate (both written and verbal) with business partners, peers and senior management and lead discussions.
• Knowledge of the HL Change Control process.
• Subject matter expert in one or more of the following areas: loss recognition, foreclosure, REO, bankruptcy, performing servicing (taxes, payments, escrow etc), retention, modifications, and liquidations.
• Ability to identify, evaluate, aggregate, and challenge risks - balancing the impact to customers, business, and bank.
• Ability to work independently with minimal direction, exercise independent judgment and apply prudent risk mitigation principles
• Ability to assess potential impacts to credit loss and credit policy
• Excellent problem solving skills and the ability to thoroughly research and analyze options and impacts of solutions
• Proficiency in servicing systems and applicable tools
• Servicing or collections experience for consumer mortgage products
• Ability to manage multiple priorities and think strategically across multiple portfolios/investors from an end to end servicing view

• Ability to travel up to 5% of the time

NC-Charlotte: 128 South Tryon Street - Charlotte, NC
AZ-PHX-Central Phoenix: 100 W Washington St - Phoenix, AZ
AZ-PHX-Northwest Phoenix: 2222 W Rose Garden Ln - Phoenix, AZ
AZ-Chandler: 2700 S Price Rd - Chandler, AZ
IA-Des Moines: 206 8th St - DES MOINES, IA
IA-West Des Moines: 7001 Westown Pkwy - West Des Moines, IA
MN-Minneapolis: 600 S 4th St - Minneapolis, MN
MN-Minneapolis: 2650 Wells Fargo Way - Minneapolis, MN
NC-Charlotte: 301 S College St - Charlotte, NC
NC-Charlotte: 401 S Tryon St - Charlotte, NC
NC-Charlotte: 1525 W Wt Harris Blvd - Charlotte, NC
SC-Fort Mill: 3480 State View Blvd - Fort Mill, SC
TX-DAL-Downtown Dallas: 1445 Ross Ave - Dallas, TX
TX-Irving: 250 E John Carpenter Freeway - Irving, TX
TX-Plano: 4975 Preston Park Blvd - Plano, TX
MO-Saint Louis: 1 N Jefferson Ave - Saint Louis, MO

All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.



Relevant military experience is considered for veterans and transitioning service men and women.

Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.

Benefits

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