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About the Role

Wells Fargo is seeking a Lead Credit Risk Officer to join the Transaction Risk team. This senior individual contributor role focuses on developing, implementing, and optimizing data-driven risk strategies for real-time transaction decisioning. The position utilizes data, analytics, and quantitative techniques to manage risk across millions of transactions monthly, balancing customer experience, fraud prevention, and business objectives. It involves quantitative analysis, risk strategy development, and technical problem-solving to enhance decision quality and portfolio performance. The role will leverage large datasets, advanced analytics, automation, and AI/ML techniques to identify emerging risks, improve decisioning strategies, and deliver business outcomes. This role supports the modernization of transaction risk capabilities through cloud transformation, enhanced analytics, and evolving decisioning technologies.

Responsibilities

Develop, implement, and optimize transaction risk strategies to improve decision quality, portfolio performance, and customer outcomes.
Analyze transaction, customer, and portfolio data to identify emerging risks, evaluate strategy performance, and recommend enhancements.
Lead complex analytical initiatives, including strategy design, performance analysis, root-cause investigations, and risk assessments.
Build scalable analytical solutions using SAS, SQL, Python, R, or other tools to support risk decisioning, monitoring, and operational efficiency.
Evaluate new data sources, analytical techniques, and decisioning approaches to strengthen risk detection and strategy effectiveness.
Design and maintain monitoring and reporting frameworks to assess strategy performance and identify emerging trends.
Partner with business, technology, model governance, and control teams to implement, maintain, and enhance risk strategies.
Provide technical leadership and mentorship to analysts while promoting analytical rigor and best practices.

Requirements

5+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.
5+ years of experience applying analytical techniques, statistical analysis, anomaly detection, modeling, and risk reporting in a financial services environment.
5+ years of experience using SQL, SAS, Python, R, or similar data management and analytics tools; familiarity with GitHub, VS Code, GCP or cloud-based analytical platforms is a plus.
Experience developing, implementing, monitoring, or supporting risk strategies, predictive models, or analytical decisioning solutions.
Experience working with large, complex datasets and translating analytical findings into business recommendations.
Experience operating within Model Risk Management (MRM), model governance, or similar risk management frameworks.
Knowledge of transaction risk, fraud risk, customer decisioning, portfolio management, or risk optimization techniques.
Strong communication and stakeholder management skills, including the ability to influence senior leaders and present complex analytical concepts to technical and non-technical audiences.
Experience driving automation, process improvement, and analytical modernization initiatives.

Skills

SAS
SQL
Python
R
GitHub
VS Code
GCP
Cloud-based analytical platforms
Model Risk Management (MRM)
Model governance
Transaction risk
Fraud risk
Customer decisioning
Portfolio management
Risk optimization techniques
Automation
Process improvement
Analytical modernization

Location

San Francisco, California
Charlotte, North Carolina
Irving, Texas
Minneapolis, Minnesota
Tempe, Arizona
West Des Moines, Iowa
Saint Louis, Missouri

Work Type

Hybrid

Experience Level

Lead
Senior

Salary/Compensations

$139,000.00 - $260,000.00

Benefits

Health benefits
401(k) Plan
Paid time off
Disability benefits
Life insurance, critical illness insurance, and accident insurance
Parental leave
Critical caregiving leave
Discounts and savings
Commuter benefits
Tuition reimbursement
Scholarships for dependent children
Adoption reimbursement

About the Company

Wells Fargo & Company (NYSE: WFC) is a leading financial services company that has approximately $2.1 trillion in assets.
We provide a diversified set of banking, investment and mortgage products and services, as well as consumer and commercial finance, through our four reportable operating segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth & Investment Management.
Wells Fargo ranked No. 33 on Fortune’s 2025 rankings of America’s largest corporations.
News, insights, and perspectives from Wells Fargo are also available at Wells Fargo Stories.
Additional information may be found at: wellsfargo.com wellsfargojobs.com

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.
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.