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Tempe AZ USA
Hybrid
139K-260K Annually
Senior level
Fintech • Financial Services
Wells Fargo: Tech-powered. Innovation-led. We're transforming financial services.
The Role
Senior individual contributor responsible for developing and optimizing data-driven transaction risk strategies. Use large datasets analytics automation and AI/ML to improve decisioning detect emerging risks monitor performance and partner with governance technology and business teams. Provide technical leadership design scalable analytical solutions and communicate findings to senior stakeholders to balance fraud prevention customer experience and portfolio outcomes.
Summary Generated by Built In
About This Role
Wells Fargo is seeking a Lead Credit Risk Officer. The Lead Credit Risk Officer (P4) is a senior individual contributor on the Transaction Risk team responsible for developing implementing and optimizing data-driven risk strategies that support real-time transaction decisioning. This role leverages data analytics and quantitative techniques to manage risk across millions of transactions each month while balancing customer experience fraud prevention and business objectives.
This role combines quantitative analysis risk strategy development and technical problem-solving to improve decision quality and portfolio performance. The successful candidate will leverage large datasets advanced analytics automation and AI/ML techniques to identify emerging risks enhance decisioning strategies and deliver measurable business outcomes.
The position offers an opportunity to support the modernization of transaction risk capabilities through cloud transformation initiatives enhanced analytics and evolving decisioning technologies while helping ensure effective risk management across a growing portfolio.
Key Responsibilities
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.
$139000.00 - $260000.00
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.
2 Aug 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.
#BI-Hybrid
Wells Fargo is seeking a Lead Credit Risk Officer. The Lead Credit Risk Officer (P4) is a senior individual contributor on the Transaction Risk team responsible for developing implementing and optimizing data-driven risk strategies that support real-time transaction decisioning. This role leverages data analytics and quantitative techniques to manage risk across millions of transactions each month while balancing customer experience fraud prevention and business objectives.
This role combines quantitative analysis risk strategy development and technical problem-solving to improve decision quality and portfolio performance. The successful candidate will leverage large datasets advanced analytics automation and AI/ML techniques to identify emerging risks enhance decisioning strategies and deliver measurable business outcomes.
The position offers an opportunity to support the modernization of transaction risk capabilities through cloud transformation initiatives enhanced analytics and evolving decisioning technologies while helping ensure effective risk management across a growing portfolio.
Key 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 evaluate strategy performance and recommend enhancements.
- Lead complex analytical initiatives including strategy design performance analysis root-cause investigations and risk assessments.
- Build scalable analytical solutions using SAS SQL Python R or other tools to support risk decisioning monitoring and operational efficiency.
- Evaluate new data sources analytical techniques and decisioning approaches to strengthen risk detection and strategy effectiveness.
- Design and maintain monitoring and reporting frameworks to assess strategy performance and identify emerging trends.
- Partner with business technology model governance and control teams to implement maintain and enhance risk strategies.
- Provide technical leadership and mentorship to analysts while promoting analytical rigor and best practices.
- Lead cross-functional initiatives that influence transaction risk strategy decisioning performance and customer outcomes.
- Apply quantitative analysis and sound judgment to solve complex business problems and support risk-based decisions.
- Support the evolution of risk capabilities through analytics automation data innovation and platform modernization efforts.
- Communicate analytical findings and recommendations to senior leaders and key stakeholders.
- Collaborate with business partners Model Governance Audit Legal Compliance and regulators to support effective risk management and strategy execution.
- 5+ years of Credit Risk experience or equivalent demonstrated through one or a combination of the following: work experience training military experience education.
- 5+ years of experience applying analytical techniques statistical analysis anomaly detection modeling and risk reporting in a financial services environment.
- 5+ years of experience using SQL SAS Python R or similar data management and analytics tools; familiarity with GitHub VS Code GCP or cloud-based analytical platforms is a plus.
- Experience developing implementing monitoring or supporting risk strategies predictive models or analytical decisioning solutions.
- Experience working with large complex datasets and translating analytical findings into business recommendations.
- Experience operating within Model Risk Management (MRM) model governance or similar risk management frameworks.
- Knowledge of transaction risk fraud risk customer decisioning portfolio management or risk optimization techniques.
- Strong communication and stakeholder management skills including the ability to influence senior leaders and present complex analytical concepts to technical and non-technical audiences.
- Experience driving automation process improvement and analytical modernization initiatives.
- 333 Market St - 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
- 114 North Beaumont Street - D Bldg Saint Louis Missouri
- Required location listed above. Relocation assistance is not available for this position.
- This position currently offers a hybrid work schedule.
- This position is not eligible for VISA sponsorship.
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.
$139000.00 - $260000.00
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
2 Aug 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.
#BI-Hybrid
Skills Required
- 5+ years of Credit Risk experience or equivalent (work experience training military experience education)
- 5+ years applying analytical techniques statistical analysis anomaly detection modeling and risk reporting in financial services
- 5+ years using SQL SAS Python R or similar data management and analytics tools
- Familiarity with GitHub VS Code GCP or cloud-based analytical platforms
- Experience developing implementing monitoring or supporting risk strategies predictive models or analytical decisioning solutions
- Experience working with large complex datasets and translating analytical findings into business recommendations
- Experience operating within Model Risk Management model governance or similar risk management frameworks
- Knowledge of transaction risk fraud risk customer decisioning portfolio management or risk optimization techniques
- Strong communication and stakeholder management skills including influencing senior leaders and presenting complex analysis
- Experience driving automation process improvement and analytical modernization initiatives
- Must be located at one of the listed work locations and work a hybrid schedule; relocation assistance not available
Wells Fargo Compensation & Benefits Highlights
- Healthcare Strength—Health coverage begins on day 1 with medical dental and vision and includes mental health prescription drugs and preventive care often covered at 100% in-network. Well-being resources such as 24-hour clinical support and an Employee Assistance Program add to the breadth.
- Parental & Family Support—Paid parental leave provides up to 16 weeks for a primary caregiver (4 weeks for non-primary) alongside fertility benefits and up to a $35000 lifetime reimbursement for adoption surrogacy and donor expenses. Backup child and adult care further supports family needs.
- Retirement Support—Retirement benefits feature a 401(k) with company matching contributions up to 6% of eligible pay. An employee stock purchase plan adds another avenue for long-term savings.
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The Company
HQ: San Francisco CA
205000 Employees
Year Founded: 1852
What We Do
Wells Fargo & Company (NYSE: WFC) is a leading financial services company that has approximately $2.2 trillion in assets. We provide a diversified set of banking investment and mortgage products and services as well as consumer and commercial finance through our four reportable operating segments: Consumer Banking and Lending Commercial Banking Corporate and Investment Banking and Wealth & Investment Management. Wells Fargo ranked No. 33 on Fortune’s 2025 rankings of America’s largest corporations.Our technology professionals drive innovation information security and big data analytics while maintaining a network that handles more than 12 billion customer interactions a year. Join us!Are you looking for more? Find it here. At Wells Fargo we're more than a financial services leader – we’re a global trailblazer committed to driving innovation empowering communities and helping our customers succeed. We believe that a meaningful career is much more than just a job – it’s about finding all of the elements to help you thrive in one place. Living the Well Life means you’re supported in life not just work. It means having robust benefits competitive compensation and programs designed to help you find work-life balance and well-being. You’ll be rewarded for investing in your community celebrated for being your authentic self and empowered to grow. And we’re recognized for it — Wells Fargo continues to rank on the LinkedIn Top Companies lists of best workplaces “to grow your career.” 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. © 2026 Wells Fargo Bank N.A. All rights reserved. Member FDIC.
Why Work With Us
We're known for our “Well Life” approach to supporting employees’ career aspirations work-life balance and mental and physical health. Wells Fargo continues to rank on the LinkedIn Top Companies lists of best workplaces “to grow your career.”
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Wells Fargo Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
Typical time on-site: 3 days a week
HQSan Francisco CA
Bangalore Bangalore
Belfast GB
Bengaluru Karnataka
Chandler AZ
Charlotte NC
Technology Center
Hyderabad Telangana
Irving TX
New York NY
New York NY
Phoenix AZ
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