Senior Director, International Risk Oversight

- Serve as the primary IRM point of contact and escalation lead for international product, business, and expansion-related risk matters.

- Provide independent challenge and strategic risk guidance to business leadership on international expansion initiatives, retail banking products, consumer lending strategies, and market entry and expansion decisions.

- Lead IRM deal teams in partnership with Business Compliance Officers and cross-functional risk partners to deliver a holistic second-line risk perspective on new products, strategic initiatives, and expansion activities.

- Establish and oversee enterprise standards for new product approvals, product modifications, geographic expansions, and business change initiatives.

- Provide second-line oversight of the end-to-end product lifecycle for international retail and consumer financial products, ensuring alignment with enterprise risk appetite and local regulatory expectations.

- Partner with IRM teams to define minimum risk management standards across risk disciplines, including credit, operational, compliance, financial crimes, liquidity, conduct, and technology risk.

- Design and evolve scalable international risk governance frameworks and operating models to support growth across future global markets.

- Partner with regional and functional stakeholders to establish country-level governance structures, including risk appetite frameworks, policies, controls, limits, monitoring, and escalation protocols.

- Drive governance for new market entry assessments, including regulatory readiness, operational risk considerations, third-party dependencies, and ongoing monitoring requirements.

- Establish clear approval thresholds, governance documentation standards, and escalation criteria for new and expanded products.

- Oversee post-launch product reviews and portfolio monitoring activities to evaluate product performance, emerging risks, and adherence to approved risk parameters.

- Influence and challenge senior leaders constructively to support balanced risk-taking and sound decision-making in complex, evolving regulatory environments.

- Build strong partnerships across IRM, Legal, Compliance, Finance, and business teams to promote effective risk identification, transparency, and accountability.

- Support regulatory interactions, examinations, and internal governance forums related to international products and expansion activities.

- Bachelor's degree in Finance, Economics, Business Administration, Risk Management, or a related field.

- 12+ years of experience in financial services risk management, including significant experience within Independent Risk Management, Enterprise Risk Management, or Business Unit Risk Oversight functions.

- Deep expertise in retail banking, consumer lending, and consumer financial products, including experience supporting product governance and new product approvals.

- Demonstrated experience leading second-line risk oversight for international business activities, market expansion initiatives, or multi-jurisdiction product governance programs.

- Strong understanding of risk disciplines including credit, operational, compliance, conduct, financial crimes, reputational, and enterprise risk management.

- Experience developing and implementing risk governance frameworks across multiple regulatory environments and geographies.

- Knowledge of regulatory expectations and consumer financial services frameworks applicable to Canada and/or LATAM markets.

- Proven ability to influence executive stakeholders and provide effective independent challenge in a matrixed, fast-paced environment.

- Strong strategic thinking and problem-solving skills, with the ability to synthesize complex and cross-functional risk information into actionable insights.

- Excellent communication and relationship management skills, including experience presenting to executive leadership, governance committees, and regulators.

- Demonstrated ability to lead through ambiguity, drive organizational alignment, and execute complex initiatives with enterprise-wide impact.

- Experience building, scaling, or transforming risk management programs within high-growth or evolving organizations.

- Master's degree (MBA, MS Risk Management, or related discipline).

- Professional certifications such as FRM, PRM, CFA, or CRCM.

- Experience interfacing with banking regulators and external auditors across multiple jurisdictions.

- Familiarity with fintech, digital banking, and embedded finance operating models.