Risk Analyst - Miami

Position:                               Analyst, Risk

Department:                      Risk Management

Reports To:                        Senior Risk Manager          

Employment Status:      Full-Time, Exempt

Office Location:                Miami, FL (onsite)

Supervise:                            None

Job Summary

The Risk Management Analyst will play a key role in supporting the Bank’s enterprise-wide risk management framework across multiple risk dimensions, including credit, operational, third party, liquidity, market, strategic, risk. This role is designed for a highly detail-oriented and intellectually curious individual who thrives in a dynamic environment and demonstrates strong analytical and critical thinking skills. Individual must be agile and adaptable to changing priorities and new challenges. The position will offer the incumbent an opportunity to gain a very wide perspective of the operations of a diversified institution.  The analyst will work closely with various department heads and business line managers, including the Chief Risk Officer (CRO), to identify, assess, monitor, and help turn data into actionable insights that drive better risk-informed decisions. 

Essential Responsibilities and Duties:

• Risk Assessment & Monitoring
• Support risk identification and assessment processes across operational, compliance, financial, and other risk categories.
• Monitor emerging risks, industry trends, and regulatory developments impacting the Bank.

Data Analysis & Reporting

• Compile, clean, and analyze data from internal systems to support various risk assessments.
• Develop dashboards, scorecards, and reports to track key risk indicators (KRIs), operational incidents, vendor performance and insurance coverage.
• Identify data quality issues and recommend process improvements for more accurate and timely risk reporting.
• Contribute to the production of risk committee reports and regulatory submissions.
• Translate complex datasets into accessible visuals and summaries for stakeholders with varying levels of technical expertise.
• Analyze data from business units to identify patterns, outliers, or potential areas of concern.
• Prepare regular and ad-hoc risk reports for senior management and the Board of Directors.
• Develop metrics and dashboards to track risk exposures and trends.

Policy & Governance Support

• Assist in reviewing and updating risk management policies, procedures, and frameworks.
• Contribute to internal audit and regulatory exam preparation.
• Collaboration & Advisory
• Partner with business units to embed risk management practices into day-to-day operations.
• Provide support in risk assessments for new products, vendors, or strategic initiatives.
• Promote a culture of risk awareness throughout the organization.
• Change & Continuous Improvement
• Identify opportunities to improve risk management processes and reporting.
• Support projects and initiatives designed to strengthen the Bank’s risk posture.
• Adapt quickly to regulatory, operational, and technological changes impacting risk management.

General Responsibilities: 

• Comply with all safety policies, practices and procedures.  Report all unsafe activities to supervisor and/or Human Resources.
• Participate in proactive team efforts to achieve departmental and company goals.
• Perform other duties as assigned.
• Provide leadership to others through example and sharing of knowledge/skill.
• Receive very general guidance with respect to overall objectives; work is usually quite independent of others; operate within specific policy guidelines.
• Prioritize, and organize assignments.
• Handle multiple tasks simultaneously.

Qualifications: 

• 2-4+ years relevant experience with banks or other financial institutions
• Thorough knowledge of the laws and regulations from regulatory agencies, and solid understanding of internal controls
• Bachelor’s degree in a relevant discipline required.
• Professional certifications in risk management, audit, project management or investment management a plus.

Additional Requirements:

• Superior verbal and written communication skills.
• Entrepreneurial spirit and attitude necessary to establish and maintain positive working relationships with all management and personnel.
• Ability to communicate complex concepts with a diverse audience.
• Superior Microsoft Office skills required, with particular emphasis on outstanding Powerpoint presentation and Excel skills.
• Strong organizational and project management skills needed to handle the coordination of multiple priorities.
• Independent judgment with strong analytical and risk assessment skills.

The job description outlined above is considered a core list of job duties/requirements.  This document should not be considered a complete or comprehensive list.  The incumbent assigned to this position is required to perform the duties listed above.  The incumbent is also expected to adapt to changes and/or additions as needed.  Nothing contained within this document is intended or shall be construed to create or constitute a contract of employment between any employee or group of employees and Emigrant Savings Bank and its Subsidiaries.  Emigrant Savings Bank and its Subsidiaries retains and reserves any and all rights to change, modify , amend, add to or delete from any section of this document as it deems, in its judgment, to be proper.