Credit Risk Senior Manager | Transaction Risk Management

Wells Fargo is seeking a Credit Risk Senior Manager to serve as a senior risk leader within Transaction Risk Management. This role provides strategic guidance to executive leadership while leading high‑impact initiatives that shape risk strategies, strengthen controls, and deliver scalable, data‑driven solutions across high‑volume channels such as ATM, Mobile Banking, and Branch . This position is ideal for a seasoned credit or transaction risk professional who thrives in complex, fast‑moving tactical environments and has experience leading teams, influencing senior stakeholders, and solving enterprise‑level risk challenges. The role partners closely with business, technology operations and governance teams to balance customer experience, loss mitigation, regulatory expectations, and business growth.

Key responsibilities include:

Risk Leadership Design and implement transaction risk strategies, policies, and controls that translate risk appetite into actionable decisioning and measurable business outcomes. Partner with business and product teams to embed risk strategies directly into platforms, workflows, and customer journeys. Actively shape strategy tradeoffs across loss, customer experience, operational efficiency, and regulatory expectations. Advanced End to End Problem Solving Lead hands‑on resolution of complex, cross‑functional risk problems by diagnosing root causes and designing scalable, durable solutions. Own initiatives from strategy formulation through build, rollout, validation, and post‑implementation performance tuning. Drive coordinated execution across analytics, technology, operations, and governance partners. Portfolio Quality Monitoring Continuously analyze portfolio performance, customer behavior, fraud patterns, and policy outcomes to refine strategies in production. Calibrate rules, models, thresholds, and segmentation to reduce losses, minimize false positives/negatives, and close control gaps. Translate insights into concrete strategy changes, pilots, and measurable improvements. Analytics & Infrastructure Advancement Build and operationalize risk strategies supporting trillion‑dollar transaction volumes, with emphasis on automation, scalability, and real‑time decisioning. Evaluate, test, and integrate new internal and external data sources into risk strategies and decision frameworks. Conduct targeted deep‑dive analyses to support strategic decisions, issue resolution, and investment prioritization. Talent Development Manage, mentor, and develop analytical and risk professionals. Set priorities, allocate resources, and foster a strong risk culture focused on accountability, curiosity, and continuous improvement. Stakeholder Partnership Collaborate with internal partners including Audit, Legal, Compliance, Technology, and external agencies as required. Support a strong control environment aligned with regulatory expectations and internal governance standards. Strong leadership in the area of Model Governance. Required Qualifications 7+ years of Credit Risk experience , or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, or education. 3+ years of management or leadership experience , including people leadership, initiative leadership, or senior‑level influence across teams. Desired Qualifications Demonstrated experience leading complex risk initiatives with enterprise‑level impact. Deep experience in advanced analytics , statistical and predictive modeling, and large‑scale data analysis in credit, fraud, or transaction risk domains. Strong proficiency with SAS, SQL, Python , and data visualization or reporting tools such as Tableau . Experience with model governance , analytical decisioning, and real‑time or operational risk use cases. Ability to translate complex analysis into clear, actionable insights that influence senior and executive decision‑making. Advanced degree in a quantitative discipline (e.g., economics, statistics, engineering, data science, finance). Strong attention to detail, data quality, and control discipline in regulated environments. Posting Location(s) 333 Market Street

• San Francisco, California 1755 Grant Street
• Concord, California 401 S Tryon St
• Charlotte, North Carolina 401 W Las Colinas Blvd
• Irving, Texas 600 S 4th St
• Minneapolis, Minnesota 1150 W Washington St
• Tempe, Arizona 800 S Jordan Creek Pkwy
• West Des Moines, Iowa Job Expectations Relocation assistance is not available.

This position currently offers a hybrid work schedule. This position is not eligible for VISA sponsorship. Ability to work at one of the approved locations listed above. Pay Range Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities. $185,000.00

• $300,000.00 Benefits Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits
• Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.

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

Posting End Date:

3 May 2026

• Job posting may come down early due to volume of applicants.

We Value 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.