Wells Fargo is seeking a Senior Lead Credit Risk Officer who serves as a senior credit risk leader providing strategic advice to executive management on policies, programs, and strategies with significant impact on the company’s transaction risk appetite and performance. The position leads the resolution of highly complex, risk challenges and delivers scalable, long‑term solutions requiring advanced analytical judgment, innovation, and cross‑functional collaboration. Responsibilities include monitoring strategy quality, portfolio performance, customer behavior, policy and control changes, while driving the continuous evolution of multi‑channel transaction risk strategies in a data‑driven environment.

About this role:

• Advise leadership on the development and execution of transaction risk strategies, programs, and policies that shape risk appetite, culture, and business performance across channels including ATM, Mobile Banking, and Branch Network.

• Lead the resolution of highly complex, cross‑functional risk challenges, delivering scalable, long‑term solutions that require advanced analytical judgment, innovation, and coordinated execution.

• Drive the continuous evolution of multi‑channel transaction risk strategies, leading complex initiatives from concept through implementation, validation, and ongoing performance management with minimal supervision.

• Monitor, assess, and report on portfolio performance, customer behavior, and policy trends to support strong risk governance and business outcomes in a data‑driven environment.

• Lead major risk management initiatives impacting more than a trillion dollars in transactions, while designing and advancing analytical infrastructure to streamline, automate, and strengthen decisioning.

• Evaluate and integrate new data sources, identify emerging risks and trends (including false positives and negatives), and perform targeted ad hoc analyses to inform strategic risk decisions.

• Partner with line of business leaders to provide effective risk oversight, resolve issues aligned to strategic priorities, and deliver credible challenge of products, programs, and transaction strategies.

• Collaborate closely with internal and external stakeholders—including Audit, Legal, and external agencies

• Mentor and develop analytical talent and manage priorities and resources.

Required Qualifications:

• 7+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.

Desired Qualifications:

• Extensive experience with advanced analytics, statistical modeling, predictive modeling, and large‑scale data analysis.

• Strong proficiency in SAS, SQL, Python, and related data management, reporting, and visualization tools (including Tableau).

• Demonstrated experience in model governance, fraud detection, and analytical decisioning for real‑time or operational use cases.

• Ability to translate complex data and analysis into clear, actionable insights that influence senior‑level decision making.

• Advanced degree in a quantitative discipline and strong attention to detail, accuracy, and data quality.

Posting Location(s):

• 333 Market Street, San Francisco, 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 for this position.

• This position currently offers a hybrid work schedule.

• This position is not eligible for VISA sponsorship.

• Ability to work at the approved location(s) listed in the job posting.

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](https://www.wellsfargojobs.com/en/life-at-wells-fargo/benefits) 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:

26 Apr 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.