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Job Description Are you ready to write your next chapter? Make your mark at one of the biggest names in payments. With proven technology, we process the largest volume of payments in the world, driving the global economy every day. When you join Worldpay, you join a global community of experts and changemakers, working to reinvent an industry by constantly evolving how we work and making the way millions of people pay easier, every day. What makes a Worldpayer? It's simple: Think, Act, Win. We stay curious, always asking the right questions to be better every day, finding creative solutions to simplify the complex. We're dynamic, every Worldpayer is empowered to make the right decisions for their customers. And we're determined, always staying open - winning and failing as one. We're looking for a Senior Credit Risk Manager to join our ever-evolving Risk to help us unleash the potential of every business. Are you ready to make your mark? Then you sound like a Worldpayer. About the team Our Legal, Risk, Compliance and Audit teams ensure we're doing business the right way. They help us balance a healthy risk appetite, so we're empowered to expand our horizons. The U.S. Large Credit team works collaboratively with merchants, business development teams, relationship managers, transaction risk analysts, compliance and legal departments to support growth objectives while mitigating and managing risk. We are a dynamic and diverse team providing a significant positive impact for our stakeholders. What you'll own <ul><li>Obtains and reviews the financial statements of merchants</li><li>Performs extensive analysis of financial statements and providing an assessment of their credit profile and making supportable recommendations for exposure</li><li>Effectively evaluates complex business arrangements and structures; able to dive deep into the background and operations of a merchant.</li><li>Recommend and establish appropriate credit limits and collateral to minimize and manage risk; Position may be granted credit authority</li><li>Communicates effectively and professionally with internal and external clients</li><li>Exercises sound judgment in assessing potential regulatory and reputational risks</li><li>Monitors and communicates credit concerns to management</li><li>Role is hybrid and requires 2-3 days in office</li></ul>Where you'll own it You'll own it in our Atlanta or Cincinnati hub. While we're a large team of Worldpayers based in North America, we have collaborative spaces and regular opportunities to celebrate with each other in person. What you bring <ul><li>Skills and expertise needed to perform the job requirements listed above, at minimum:</li><li>7-10 years of commercial credit underwriting experience, including analyzing and spreading financial statements, performing credit analysis and drafting credit memos</li><li>Effective communication skills; attention to detail</li><li>Strong judgment and decision-making skills</li><li>Self-starter, able to work independently; possesses a strong sense of ownership</li><li>Ability to creatively solve problems and achieve company objectives</li><li>Time management skills with ability to multitask</li></ul>Preferred Additional Requirements <ul><li>Knowledge of merchant acquiring services and the payment processing industry</li><li>Managing a team of credit underwriters</li><li>Degree in Finance, Accounting, or similar formal credit training</li></ul>Worldpay perks - what we'll bring for you We know it's bigger than just your career. It's your life, and your world. That's why we offer global benefits and programs to support you at every stage. Here's a taste of what you can expect. <ul><li>A competitive salary and benefits.</li><li>Time to support charities and give back to your community.</li><li>Parental leave policy.</li><li>Global recognition platform.</li><li>Virgin Pulse access.</li><li>Global employee assistance program.</li></ul>What makes a Worldpayer At Worldpay, we take our Values seriously, and we live them every day. Think like a customer, Act like an owner, and Win as a team. <ul><li>Curious. Humble. Creative. We ask the right questions, listening and learning to get better every day. We simplify the complex and we're always looking to create a bigger impact for our colleagues and customers.</li><li>Empowered. Accountable. Dynamic. We stay agile, using our initiative, taking calculated risks to progress. Never standing still, never settling, we work at pace to achieve our goals. We champion our ideas and stay flexible to make them happen. We know that every action adds up.</li><li>Determined. Inclusive. Open. Unlocking potential means working as one global community. Our work spans borders, and we stay united by our purpose. We collaborate, always encouraging others to perform at their best, welcoming new perspectives.</li></ul>Does this sound like you? Then you sound like a Worldpayer. Apply now to write the next chapter in your career. We can't wait to hear from you. Privacy Statement Worldpay is committed to protecting the privacy and security of all personal information that we process in order to provide services to our clients. For specific information on how Worldpay protects personal information online, please see the Online Privacy Notice. EEOC Statement Worldpay is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, marital status, genetic information, national origin, disability, veteran status, and other protected characteristics. The EEO is the Law poster is available here supplement document available here For positions located in the US, the following conditions apply. If you are made a conditional offer of employment, you will be required to undergo a drug test. ADA Disclaimer: In developing this job description care was taken to include all competencies needed to successfully perform in this position. However, for Americans with Disabilities Act (ADA) purposes, the essential functions of the job may or may not have been described for purposes of ADA reasonable accommodation. All reasonable accommodation requests will be reviewed and evaluated on a case-by-case basis. Sourcing Model Recruitment at Worldpay works primarily on a direct sourcing model; a relatively small portion of our hiring is through recruitment agencies. Worldpay does not accept resumes from recruitment agencies which are not on the preferred supplier list and is not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. #pridepass

Senior Credit Risk Manager - US Large Credit Risk / Merchant Underwriting

Firm Risk Management 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 - - Reviewing, effectively challenging model assumptions, mathematical formulation, implementation of supervisory rules and if necessary, independently testing Internal Liquidity Stress Testing (ILST) and Net Interest Income Sensitivity models covering the Firm's activities in US, Europe and Asia. - Proactively communicating with the global and regional treasury and liquidity risk teams on ongoing validations and any model issues that may come up. - Help answering regulatory and internal audit requests related to MRM activities on ILST and Net interest Income , attending regulatory meetings if needed - Independently develop and review existing monitoring and quantify model risks due to model limitations and thematic risks including developing compensating controls. - Develop high-quality validation reports highlighting risks and limitations of models and communicate findings to stakeholders, senior management, and governance committee - Collaborate with Global MRM teams, Model Control Officers, Regulatory Capital Controllers, Finance and Risk Managers to manage model risk across the model lifecycle Qualifications: - Strong technical / programming skill - Understanding how model risks impact the business, and business changes impact model - Strong communication skills with ability to articulate complex concepts appropriately to different audiences including senior management - Masters (or equivalent) in Finance, Economics, Mathematics, or a related quantitative field is required. - The ideal candidate should have strong experience with models used for Internal Liquidity Stress Testing and Interest Rate Risk in the Banking Book gained at a financial institution. - Quantitative programming skills (e.g. Python, R, etc) and advanced excel knowledge - 5+ years of relevant working experience with model validation or development in treasury or liquidity risk management functions with sound understanding of Model lifecycle and validation report is required. - Experience on Regulatory Capital with CCAR and other supervisory stress testing is a plus. - The ability to effectively communicate with a wide range of stakeholders, both written and verbally is required. - Ability to partner and work effectively both with team members and with colleagues across the wider organization. - An interest in working in a fast-paced environment, often balancing multiple high priority deliverables with attention to detail is required. Expected base pay rates for the role will be between $110,000 and $190,000 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).

VP, Model Risk (Risk Management)

Job Description Are you ready to write your next chapter? Make your mark at one of the biggest names in payments. With proven technology, we process the largest volume of payments in the world, driving the global economy every day. When you join Worldpay, you join a global community of experts and changemakers, working to reinvent an industry by constantly evolving how we work and making the way millions of people pay easier, every day. What makes a Worldpayer? It's simple: Think, Act, Win. We stay curious, always asking the right questions to be better every day, finding creative solutions to simplify the complex. We're dynamic, every Worldpayer is empowered to make the right decisions for their customers. And we're determined, always staying open - winning and failing as one. We're looking for a Credit Risk Manager to join our ever evolving Legal, Risk, Compliance &amp; Audit team to help us unleash the potential of every business. The primary responsibility of the Worldpay Credit team member is to review large credit risk exposure accounts with a focus on the merchant's credit fundamentals. Analysis is performed to ensure adequate financial strength in relation to the potential exposure generated from the payment processing relationship. As a team member, you will perform thorough financial analysis on prospective and current merchants, while collaborating with internal and external partners to mitigate and manage risk to Worldpay. Are you ready to make your mark? Then you sound like a Worldpayer. About the team Our Legal, Risk, Compliance and Audit teams ensure we're doing business the right way. They help us balance a healthy risk appetite, so we're empowered to expand our horizons. What you'll own <ul><li>Obtains and reviews the financial statements of merchants</li><li>Performs extensive analysis of financial statements and providing an assessment of their credit profile and making supportable recommendations for exposure</li><li>Effectively evaluates complex business arrangements and structures; able to dive deep into the background and operations of a merchant.</li><li>Recommend and establish appropriate credit limits and collateral to minimize and manage risk; Position may be granted credit authority</li><li>Communicates effectively and professionally with internal and external clients</li><li>Exercises sound judgment in assessing potential regulatory and reputational risks</li><li>Monitors and communicates credit concerns to management</li><li>Role is hybrid and requires 2-3 days in office</li></ul>Where you'll own it You'll own it in our Atlanta, GA or Cincinnati, OH hub. While we're a large team of Worldpayers based in North America, we have collaborative spaces and regular opportunities to celebrate with each other in person. What you bring <ul><li>Skills and expertise needed to perform the job requirements listed above, at minimum:</li><li>5-8 years of experience analyzing and spreading financial statements, performing credit analysis and drafting credit memos</li><li>Effective communication skills; attention to detail</li><li>Strong judgment and decision-making skills</li><li>Self-starter, able to work independently; possesses a strong sense of ownership</li><li>Ability to creatively solve problems and achieve company objectives</li><li>Time management skills with ability to multitask</li></ul>Preferred Additional Requirements: <ul><li>Knowledge of merchant acquiring services and the payment processing industry</li><li>Degree in Finance, Accounting, or similar formal credit training</li></ul>Worldpay perks - what we'll bring for you We know it's bigger than just your career. It's your life, and your world. That's why we offer global benefits and programs to support you at every stage. Here's a taste of what you can expect. <ul><li>A competitive salary and benefits.</li><li>Time to support charities and give back to your community.</li><li>Parental leave policy.</li><li>Global recognition platform.</li><li>Virgin Pulse access.</li><li>Global employee assistance program.</li></ul>What makes a Worldpayer At Worldpay, we take our Values seriously, and we live them every day. Think like a customer, Act like an owner, and Win as a team. <ul><li>Curious. Humble. Creative. We ask the right questions, listening and learning to get better every day. We simplify the complex and we're always looking to create a bigger impact for our colleagues and customers.</li><li>Empowered. Accountable. Dynamic. We stay agile, using our initiative, taking calculated risks to progress. Never standing still, never settling, we work at pace to achieve our goals. We champion our ideas and stay flexible to make them happen. We know that every action adds up.</li><li>Determined. Inclusive. Open. Unlocking potential means working as one global community. Our work spans borders, and we stay united by our purpose. We collaborate, always encouraging others to perform at their best, welcoming new perspectives.</li></ul>Does this sound like you? Then you sound like a Worldpayer. Apply now to write the next chapter in your career. We can't wait to hear from you. To find out more about working with us, find us on LinkedIn. Privacy Statement Worldpay is committed to protecting the privacy and security of all personal information that we process in order to provide services to our clients. For specific information on how Worldpay protects personal information online, please see the Online Privacy Notice. EEOC Statement Worldpay is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, marital status, genetic information, national origin, disability, veteran status, and other protected characteristics. The EEO is the Law poster is available here supplement document available here. For positions located in the US, the following conditions apply. If you are made a conditional offer of employment, you will be required to undergo a drug test. ADA Disclaimer: In developing this job description care was taken to include all competencies needed to successfully perform in this position. However, for Americans with Disabilities Act (ADA) purposes, the essential functions of the job may or may not have been described for purposes of ADA reasonable accommodation. All reasonable accommodation requests will be reviewed and evaluated on a case-by-case basis. Sourcing Model Recruitment at Worldpay works primarily on a direct sourcing model; a relatively small portion of our hiring is through recruitment agencies. Worldpay does not accept resumes from recruitment agencies which are not on the preferred supplier list and is not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company.

Credit Risk Manager - US Large Credit Risk / Merchant Underwriting

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. This role resides within FRM's Model Risk Management Department which is dedicated to providing independent model risk control, review and validation of models used by Morgan Stanley. These include derivative pricing models utilized across product areas including interest rates, currencies, commodities, equities, credit, and securitized products. This is in addition to oversight of models used to monitor counterparty credit risk (XVA/IMM), credit risk (IRB), market risk (IMA), operational risk, capital and liquidity stress tests. Model Risk Management (MRM) professionals in New York, London, Budapest, Frankfurt, Mumbai and Tokyo work closely with business quantitative strategists, risk analytics and risk managers. What will you be doing? - Conduct model validation for XVA models by challenging model assumptions, mathematical formulation, and implementation -Conduct independent testing to assess model accuracy and robustness under different scenarios and market conditions, including, where appropriate the evaluation of developer documentation and testing -Assess, quantify and communicate to stakeholders model risks due to model limitations and compensating control -Highlight risks and limitations of models and communicate findings to stakeholders, senior management, and governance committee -Collaborate with Global MRM teams, XVA Strategists, Model Control Officers, Valuation Control and Risk Managers to manage model risk across the model lifecycle -Assist in cultivating and managing effective relationships with regulators by providing accurate and timely submission Qualifications: What we are looking for? -Masters or Ph.D. degree (or equivalent) in Finance, Economics, Mathematics, Physics, Engineering, or a related quantitative field -In-depth knowledge of mathematical finance, derivative pricing, and numerical technique -Relevant working experience of 5+ year -The ideal candidate has strong experience with valuation models gained at a financial institution -Experience developing pricing and risk models using Python -The ability to effectively communicate with a wide range of stakeholders, both written and verbally -The ability to work independently in a self-directed way in a collaborative, team-oriented environment -An interest in working in a fast-paced environment, often balancing multiple high priority deliverable 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).

We're building a relationship-oriented bank for the modern world. We need talented, passionate professionals who are dedicated to doing what's right for our clients. At CIBC, we embrace your strengths and your ambitions, so you are empowered at work. Our team members have what they need to make a meaningful impact and are truly valued for who they are and what they contribute. To learn more about CIBC, please visit CIBC.com What You'll Be Doing The incumbent will, as his/her prime role, play an important part in ensuring that market risk for CIBC's global commodities trading desk is completely captured, quantified and controlled. The role will provide independent oversight of market risks for the products traded by the global commodities desk which includes energy (crude oil, natural gas), metals (precious, base), agriculture, commodity index and environmental products. The role will include ad-hoc analysis of specific risks and transactions. In addition, the candidate will be expected to participate in leading group-wide projects, contributing innovative thinking and an advanced analytical approach. The incumbent will require a good understanding both financial markets in general as well as the analytical principles underlying the pricing and risk management of complex derivatives. This position interfaces with traders, treasury, operations, financial control, audit, technology, middle office and other departments within Capital Markets Risk Management (CMRM). The nature of the role involves making timely decisions with respect to complex risk scenarios in a high stress, time sensitive trading room environment. At CIBC we enable the work environment most optimal for you to thrive in your role. Details on your work arrangement (proportion of on-site and remote work) will be discussed at the time of your interview. How You'll Succeed <ul><li>Analyze and report on the risk profile of the commodities business, maintaining a continuous awareness of issues affecting the risk management of these markets.</li><li>Recommend appropriate risk limits and ensure processes are in place to monitor against limits. Review that the line of business activities fall within pre-established boundaries and expectations or concerns are escalated for management review.</li><li>Ensure the integrity or risk measurements and limit monitoring, resolve violations of market and credit risk limits and monitor linkage of trading P&amp;L to risk appetite. Review market risk limits on an ongoing basis.</li><li>Work with infrastructure partners in the onboarding of new products or initiatives, including risk assessment and capture.</li><li>Work closely with different parts of CMRM to facilitate effective dissemination of timely and accurate market risk information to senior management.</li><li>Work closely with technology and business support groups in ensuring continued development of comprehensive risk capture processes, taking a lead role in ensuring the integrity of market and risk data.</li><li>Perform User Acceptance Testing for new initiatives in methodology changes, risk measures and new programs.</li><li>Work closely with CMRM quantitative analysts to develop/enhance portfolio risk and stress test modeling.</li><li>Monitor the global macro market environment, reporting on the impact of market events on current portfolios</li><li>Communicate technical, analytical and conceptual information regarding market measurement/methodology to various internal stakeholders throughout the organization.</li></ul>Who You Are <ul><li>5-10 years of practical risk management and/or trading experience in commodity markets, particularly in oil, gas, metals, power and environmental trading.</li><li>Familiarity with methodologies for quantifying and analyzing market risks; good knowledge of relevant systems/programming issues.</li><li>Knowledge of VaR and PFE methodologies.</li><li>Familiarity with methodologies for quantifying and analyzing market and credit risks and knowledge of exchange traded and OTC derivative products and corresponding regulatory capital framework.</li><li>Demonstrated interest in markets and macro trends and the ability to assess impacts on our portfolios.</li><li>Strong interpersonal and communication skills with particular ability to translate technical complex issues for a variety of audiences. Excellent negotiation and mediation skills are highly desirable.</li><li>Undergraduate degree in a quantitative discipline preferred (Mathematics, Engineering or Computer Science).</li><li>Highly proficient Excel skills as well as knowledge of Python, VBA, and/or other programming languages a plus.</li><li>Self-motivated and flexible approach. Strong attention to detail and ability to focus on macroscopic view. Able to work independently and as part of a team. Able to effectively manage multiple projects of varying complexity.</li><li>Values matter to you. You bring your real self to work and you live our values - trust, teamwork, and accountability.</li></ul>At CIBC, we offer a competitive total rewards package. This role has an expected salary range of $160,000 - $200,000 for the New York, NY market based on experience, qualifications, and location of the position. The successful candidate may be eligible to participate in the relevant business unit's incentive compensation plan, which also may include a discretionary bonus component. CIBC offers a full range of benefits and programs to meet our employee's needs; including Medical, Dental, Vision, Health Savings Account, Life Insurance, Disability, and Other Insurance Plans, Paid Time Off (including Sick Leave, Parental Leave, and Vacation), Holidays, and 401(k), in addition to other special perks reserved for our team members. Candidates hired to work in other locations will be subject to the pay range associated with that location. Additional total compensation and benefits details will be provided during the hiring process. What CIBC Offers At CIBC, your goals are a priority. We start with your strengths and ambitions as an employee and strive to create opportunities to tap into your potential. We aspire to give you a career, rather than just a paycheck. <ul><li>We work to recognize you in meaningful, personalized ways including a competitive salary, incentive pay, banking benefits, a benefits program*, a vacation offering, wellbeing support, and MomentMakers, our social, points-based recognition program.</li><li>Our spaces and technological toolkit will make it simple to bring together great minds to create innovative solutions that make a difference for our clients.</li><li>We cultivate a culture where you can express your ambition through initiatives like Purpose Day; a paid day off dedicated for you to use to invest in your growth and development.</li></ul>*Subject to plan and program terms and conditions What you need to know <ul><li>CIBC is committed to creating an inclusive environment where all team members and clients feel like they belong. We seek applicants with a wide range of abilities and we provide an accessible candidate experience. If you need accommodation, please contact <a href="mailto:Mailbox.careers-carrieres@cibc.com" target="_blank">Mailbox.careers-carrieres@cibc.com</a></li><li>You need to be legally eligible to work at the location(s) specified above and, where applicable, must have a valid work or study permit.</li><li>We may ask you to complete an attribute-based assessment and other skills tests (such as simulation, coding, MS Office). Our goal for the application process is to get to know more about you, all that you have to offer, and give you the opportunity to learn more about us.</li></ul>Job Location TX-1001 Fannin St Employment Type Regular Weekly Hours 40 Skills Analytical Thinking, Decision Making, Long Term Planning, Market Risk Analysis, Market Risk Management, People Management, Regulatory Requirements, Risk Management Framework

5 Risk Modelling Jobs in United States