Impress employers and recruiters.
Choose from hundreds of resume examples.

Target Resume Now

Tailor your resume to this Senior Credit Risk Specialist | Transaction Risk Management role.

Rezi rewrites your resume against Wells Fargo & Company's job description. Free.

Resume score gauge reading 58 out of 100

Don't guess if your resume is good enough.

See how it scores against the Senior Credit Risk Specialist | Transaction Risk Management posting at Wells Fargo & Company — free, in seconds.

About the Role

The Senior Credit Risk Specialist (P3) is an individual contributor on the Transaction Risk team responsible for developing, implementing, monitoring, and optimizing data-driven risk strategies for real-time transaction decisioning. This role leverages data, analytics, and quantitative techniques to manage risk across millions of transactions monthly, balancing customer experience, fraud prevention, and business objectives. It combines quantitative analysis, risk strategy execution, and technical problem-solving to improve decision quality and portfolio performance, utilizing large datasets, analytical tools, automation, and AI/ML capabilities. The position contributes to modernizing 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, monitor strategy performance, conduct root-cause and risk analyses, evaluate new data sources and analytical approaches, and recommend improvements.
Develop and maintain analytical solutions using SAS, SQL, Python, R, or other tools to support risk decisioning, monitoring, and operational efficiency.
Collaborate with business, technology, model governance, and control teams to implement and maintain risk strategies.
Document analysis, assumptions, methodologies, and results in accordance with governance and control requirements.
Contribute to initiatives that support transaction risk strategy, decisioning performance, and customer outcomes.
Apply quantitative analysis and sound judgment to solve business problems and support risk-based decision making.
Support risk capability enhancements through analytics, automation, data innovation, and platform modernization efforts.
Communicate analytical findings and recommendations to managers and business stakeholders.
Partner with business teams, Model Governance, Audit, Legal, Compliance, and other stakeholders to support effective risk management and strategy execution.

Requirements

4+ years of Credit Risk experience, or equivalent demonstrated through work experience, training, military experience, or education.
3+ years of experience applying analytical techniques, statistical analysis, anomaly detection, modeling, and risk reporting in a financial services environment.
3+ years of experience using SQL, SAS, Python, R, or similar data management and analytics tools.
Experience supporting the development, implementation, monitoring, or maintenance of risk strategies, predictive models, or analytical decisioning solutions.
Experience working with large and complex datasets and translating analytical findings into actionable business insights.
Familiarity with Model Risk Management (MRM), model governance, or comparable risk management frameworks.
Knowledge of transaction risk, fraud risk, customer decisioning, portfolio management, or risk optimization concepts.
Strong written and verbal communication skills with the ability to explain analytical concepts to both technical and non-technical audiences.
Experience supporting automation, process improvement, and analytical modernization efforts.

Skills

SAS
SQL
Python
R
GitHub
VS Code
GCP
Cloud-based analytical platforms
Analytical techniques
Statistical analysis
Anomaly detection
Modeling
Risk reporting
Model Risk Management (MRM)
Model governance
Transaction risk
Fraud risk
Customer decisioning
Portfolio management
Risk optimization
Communication skills

Location

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

Work Type

Hybrid work model (working from a Wells Fargo facility at least four days a week, with the flexibility to work remotely one day a week)

Experience Level

Senior
4+ years of Credit Risk experience
3+ years of experience applying analytical techniques, statistical analysis, anomaly detection, modeling, and risk reporting in a financial services environment
3+ years of experience using SQL, SAS, Python, R, or similar data management and analytics tools

Salary/Compensations

$100,000.00 - $196,000.00

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 provides eligible employees with a comprehensive set of benefits.
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.
Wells Fargo maintains a drug free workplace.
Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

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.
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.