Sr. Associate, Digital & Data Controls Lead

At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.

The Senior Associate, Digital, Data, and AI Controls Lead serves as the first-line risk owner and trusted advisor for digital enablement, data management, automation, AI governance, accessibility, customer-facing digital experiences, and transformation activities across the Banking Division. This role establishes dedicated ownership for a distinct and growing Banking Division risk domain. The role develops a comprehensive understanding of business strategies, digital products, data and AI use cases, processes, procedures, systems, controls, risks, issues, and performance indicators to clearly communicate the full risk and control picture and advise business leaders on informed, sustainable decisions.
The Digital, Data, and AI Controls Lead owns end-to-end coordination for audits, examinations, compliance testing, risk assessments, business continuity and resiliency oversight, and other risk reviews affecting digital, data, and AI activities. This includes Enterprise GenAI Governance, ADA compliance for digital properties, Banking Data Enablement, digital products, and process transformation. The role maintains proactive awareness of upcoming activity, prepares the business well in advance, identifies and resolves readiness gaps, validates information before submission, and supports timely business follow-through while partnering with Risk Sustainability on formal issue governance and closure.
The position operates with significant independence and influence. The Controls Lead identifies emerging digital, data, and AI risks before they become formal findings, interprets risk information rather than simply reporting it, constructively challenges conclusions when facts or context require clarification, and helps business partners resolve exceptions or non-routine matters, such as new AI use cases, digital accessibility concerns, and automation or data changes, that cannot be addressed through standard business-as-usual processes.

About This Role:

 

Key Responsibilities

Digital, Data & AI Risk Ownership

·         Enterprise GenAI Governance: Serve as the first-line owner for GenAI and broader AI governance across the Banking Division, including use case intake and review, risk and control assessment, responsible use expectations, and model and vendor considerations, aligned with enterprise governance forums and standards.

·         ADA Compliance & Customer-Facing Digital Experiences: Own first-line oversight of ADA and digital accessibility compliance for websites, mobile applications, and other digital properties, and evaluate risks across customer-facing digital journeys, including disclosures, accuracy, complaints, and customer impact, with testing, remediation tracking, and readiness for audits and examinations.

·         Banking Data Enablement & Digital Products: Partner with Banking Data Enablement on data management, quality, lineage, and access expectations for data used in processes, reporting, analytics, and AI, and provide risk and control guidance across the digital product lifecycle, including new features, releases, changes, and third-party capabilities, so risks and regulatory obligations are addressed before and after launch.

·         Process Transformation, Automation & Systems Support: Engage early in process transformation, automation, and data enablement activities to assess control impacts and confirm that procedures, controls, monitoring, and ownership remain effective as processes change, and provide risk and control direction to Systems Support Analysts on requirements, testing, documentation, and follow-through.

Business Ownership, Risk Management & Advisory

·         Develop and maintain deep knowledge of assigned business units and domains, including strategies, products, digital channels, customer journeys, data flows, AI use cases, processes, systems, regulatory obligations, risks, controls, and owners, and understand how work operates in practice, including where automation or AI changes how work is performed, to identify disconnects among strategy, process, control design, and execution.

·         Serve as the primary risk advisor and subject matter expert for assigned business units, clearly communicating the complete risk story, including what is working, what is not, why it matters, accountable ownership, and recommended actions, supported by facts, data, business context, and regulatory requirements.

·         Engage early with business leaders and provide balanced, risk-based guidance for new initiatives, including digital product launches, AI and automation use cases, data changes, process changes, exceptions, and non-routine matters.

·         Own business-unit risk assessment execution and accountability for documentation quality, deadlines, escalations, and follow-through, and embed business continuity and resiliency oversight, including critical processes, systems, third-party dependencies, recovery expectations, and testing and remediation needs, in context with the broader control environment.

 

Audit, Examination & Regulatory Readiness

·         Serve as the primary first-line coordinator for audits, regulatory examinations, compliance testing, and targeted reviews affecting digital, data, and AI activities, including ADA/accessibility, GenAI governance, and data management reviews; maintain awareness of the audit and examination calendar, prior issues, and likely evidence needs, and begin readiness activities before formal requests are received.

·         Coordinate planning, information requests, narratives, evidence, and management responses with business partners, Risk Sustainability, second line, and Audit, and validate submissions for completeness, accuracy, consistency, and supportability before delivery.

·         Review observations, findings, and proposed corrective actions to ensure responses address the identified risk and underlying cause, while partnering with Issue Management on formal issue governance, tracking, and closure requirements.

·         Prepare business leaders for key discussions and provide fact-based challenge when observations, findings, or conclusions require clarification.

Proactive Risk Monitoring & Insights

·         Review dashboards, complaints, monitoring, quality and testing results, audit observations, operational events, and exceptions as indicators of control health, including digital accessibility testing results, data quality metrics, and AI and automation monitoring.

·         Identify patterns, emerging risks, recurring themes, and common root causes across audits, examinations, testing, complaints, and issues before they become formal findings, and recommend broader risk-reduction opportunities.

·         Translate data into concise insight by explaining significance, impact, priority, and recommended action, and escalate material concerns early with the relevant facts, business impact, ownership, and decision needed.

·         Assess whether implemented improvements are producing the intended risk-reduction outcome and identify where additional business action or Issue Management support is needed.

Partnership, Governance & Influence

·         Build productive relationships with business leaders, second line, Audit, Legal, Operations, Technology, Information Security, Banking Data Enablement, Systems Support Analysts, and other partners; clarify roles, decisions, handoffs, and dependencies, and connect matters to the appropriate owners.

·         Coordinate procedure updates, control enhancements, training needs, monitoring changes, and business continuity or resiliency actions within the assigned portfolio, and align cross-business risks and programs with other Controls Leads and Banking Risk teams.

·         Represent assigned business units and the digital, data, and AI domain in applicable governance forums, including enterprise GenAI governance, results reviews, risk committees, and cross-functional discussions.

·         Influence without direct authority by presenting facts, risk implications, trade-offs, and clear recommendations.

The Ideal Candidate for This Role:

 

Required

·         Minimum of 5 years of experience in banking, risk management, compliance, internal audit, regulatory examination, controls, or a related financial-services discipline.

·         Demonstrated ability to learn complex business processes, regulations, systems, risks, and controls and translate them into clear advice and action.

·         Strong judgment, analytical thinking, root-cause analysis, problem solving, and decision-making skills.

·         Ability to independently manage multiple audits, examinations, issues, assessments, priorities, and deadlines while maintaining accuracy and follow-through.

·         Excellent written and verbal communication skills, including preparation of executive-ready summaries.

·         Ability to build relationships, influence without direct authority, and provide constructive challenge.

·         Proficiency with Microsoft Word, Excel, PowerPoint, Outlook, Teams, and related reporting tools.

Preferred

·         Experience supporting one or more Banking Division domains, including deposits, branch banking, commercial banking, mortgage, lending operations, payments, treasury services, customer experience, digital, data, or transformation.

·         Working knowledge of consumer compliance, fair banking, BSA/AML, operational risk, credit risk, audit, issue management, and control frameworks.

·         Professional certification such as CRCM, CIA, CERP, CAMS, or another relevant risk, compliance, audit, or banking credential.

Key Capabilities

·         End-to-end ownership and accountability

·         Business acumen and process fluency

·         Audit and examination leadership

·         Risk identification and proactive insight

·         Trusted advisory and constructive challenge

·         Clear executive communication

·         Cross-functional influence and collaboration

·         Organization, prioritization, and disciplined follow-through

Candidates must possess unrestricted work authorization and not require future sponsorship.

Compensation:

 

Compensation range (base pay): $81,662.00-$134,741.00

This role may have a specific starting pay within this range.

Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.

Work Environment:

It is anticipated that the incumbent in this role will work in a hybrid capacity, balancing in-person collaboration three (3) days a week with remote flexibility two (2) days a week. As part of our team, you'll experience the energy and relationship-building of face-to-face collaboration while still enjoying the flexibility of remote workdays. We provide the tools and technology to ensure seamless transitions between work environments, supporting your productivity wherever you are. Please note that work location is subject to change based on business needs.

Benefits Overview:

We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs:

• Medical, Dental, Vision Insurance

• 401k, With Matching Contributions

• Time Off Programs

• Health Savings Account (HSA)/Dependent Care

• Employee Banking

• Growth Opportunities

• Tuition Assistance

• Short-Term/Long-Term Disability Insurance

Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/.

For additional information regarding compensation and benefits, e-mail FNBO at [email protected]. To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.

Job number: R-20261976

Equal Opportunity & Belonging:

FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.

Learn more here.

FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.

Click here to download 'EEO is The Law' Self-Print Poster

Click here to download 'EEO is The Law' Supplement for Federal Contractors

Click here to download 'EEO is The Law' GINA Supplement

FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC

FNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants)

Application Deadline:

All our jobs will be posted for a minimum of 5 calendar days.  Job postings may come down prior to 5 calendar days based on volume of applicants.