Senior Internal Control Officer – Operational Risk – Retail Banking

About the role

The Senior Internal Control Officer will support the Director of Business Controls, Risk & Governance within the Retail Banking Group. The role focuses on operational risk, internal controls, and governance across mortgage and retail banking activities, ensuring compliance with regulatory and internal standards.

Key responsibilities

• Monthly MER tracking, follow‑up for closure and reporting.
• Prepare incentive and broker payouts for the mortgage team as per approved plans.
• Enter mortgage payments in the vendor management system to ensure timely processing.
• Conduct regular visits to vendor offices to verify calling activities, transmittals, Chubb records, applications, and clean‑desk policy adherence.
• Coordinate with CAM/Business on remediation/closure of CRS, FATCA, EID, KYC compliance exit cases.
• Review and obtain approvals for onboarding CMs under MER and for exceptional cases from CXCG, branches, sales & DBC.
• Maintain SOPs, SLAs, and OPM documents, ensuring regular revision and updates.
• Report potential frauds to F&I for investigation and conduct RCSA sample tests, reporting exceptions and following up for closure.
• Review incidents for ORE, conduct KYC quality checks on CASA applications, and support audit readiness.
• Lead ad‑hoc projects assigned by line manager and support business for audit items, RAR and QA issue closure.
• Train new hires and create backup processes to ensure smooth workflow.