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The position independently oversees and continuously improves the Enterprise Risk Management (ERM) framework, leading risk identification, assessment, monitoring, mitigation, and reporting across strategic, credit, operational, liquidity, market, compliance, legal, IT, cybersecurity, fraud, and reputational risks. As part of the Executive Management Team, the CRO embeds risk practices aligned with strategic objectives, regulatory requirements, and risk appetite through three lines of defense, KRIs, dashboards, stress testing, and enterprise-wide risk assessments.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":16,"@type":70,"position":76},"https://docshare.wps.com/template/resumes/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/chief-risk-officer-job-description-chief-risk-officer/260980/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/chief-risk-officer-job-description-chief-risk-officer/260980.png","ImageObject",442,249,{"name":88,"@type":89},"WPS_1786070896","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-11-08","2026-09-14",true,{"@type":98,"interactionType":99,"userInteractionCount":25},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"Who does the Chief Risk Officer report to, and what area do they oversee?","Question",{"text":108,"@type":109},"The Chief Risk Officer reports to the Board of Directors and oversees Compliance and Audit.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"What is the Chief Risk Officer responsible for in Enterprise Risk Management?",{"text":113,"@type":109},"They independently oversee, develop, implement, and continuously enhance the Credit Union’s ERM framework, including defining risk appetite, maintaining an enterprise risk register, and leading three lines of defense.",{"name":115,"@type":106,"acceptedAnswer":116},"Which types of risks does the role cover?",{"text":117,"@type":109},"The role covers strategic, credit, operational, liquidity, market, compliance, legal, information technology, cybersecurity, fraud, and reputational risks, including oversight of major initiatives and projects.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},260980,1790215116,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":15,"category_name":16,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":25,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":135,"language":136,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":61,"update_tm":140,"read_time":73,"preview_page_count":4},549768072016,"https://ap-avatar.wpscdn.com/davatar_155a257f0dc6eb9ab79c44ca47cae57d","ST. JOHN’S CREDIT UNION LTD.  \nJOB DESCRIPTION  \nJOB TITLE: CHIEF RISK OFFICER  \nORGANIZATIONAL UNIT: EXECUTIVE OFFICE  \nREPORTS TO: BOARD OF DIRECTORS  \nOVERSEES: COMPLIANCE AND AUDIT  \nEMPLOYMENT TYPE: CONTRACTUAL  \nABOUT ST. JOHN'S CREDIT UNION  \nSt. John's Credit Union Ltd. is committed to providing exceptional financial services to our members while maintaining the highest standards of integrity, transparency, and community service. We foster a collaborative work environment that values professional development and ethical practices.  \nPosition Summary  \nThe Chief Risk Officer (CRO) is responsible for the independent oversight, development, implementation, and continuous enhancement of the Credit Union's Enterprise Risk Management (ERM) Framework. The CRO provides leadership in identifying, assessing, monitoring, mitigating, and reporting strategic, credit, operational, liquidity, market, compliance, legal, information technology, cybersecurity, fraud, and reputational risks.  \nAs a member of the Executive Management Team, the CRO supports the Board of Directors, Supervisory Committee, Executive Management, and departmental leaders in ensuring that risk management practices are embedded throughout the organization and aligned with the Credit Union’s strategic objectives, regulatory requirements, and risk appetite.  \nDuties and Responsibilities  \nCorporate Responsibilities  \n• Adheres to the Credit Union's Mission, Vision, Core Values, and Service Standards.  \n• Demonstrates professionalism, integrity, and teamwork in all interactions.  \n• Maintains strict confidentiality of member, employee, and organizational information.  \n• Participates in community outreach, financial literacy initiatives, speaking engagements, and Credit Union-sponsored events.  \n• Complies with all applicable laws, regulations, policies, procedures, and ethical standards.  \n• Promotes a strong risk-aware culture throughout the organization.  \nEnterprise Risk Management  \n• Develops, implements, and maintains the Credit Union's Enterprise Risk Management (ERM) Framework.  \n• Establishes and maintains the Credit Union's Risk Appetite Framework, including risk appetite statements, tolerance levels, and key risk indicators.  \n• Leads the implementation and oversight of the Three Lines of Defense Model across the organization.  \n• Develops and maintains a comprehensive enterprise risk register and ensures regular risk assessments are conducted across all departments.  \n• Identifies, assesses, monitors, measures, mitigates, and reports on strategic, operational, financial, compliance, cybersecurity, fraud, reputational, and credit risks.  \n• Provides independent risk oversight of all significant business initiatives, projects, products, services, and strategic decisions.  \n• Conducts enterprise-wide risk assessments and recommends appropriate mitigation strategies.  \n• Develops and maintains Key Risk Indicators (KRIs) and risk dashboards for management and Board reporting.  \n• Coordinates periodic stress testing, scenario analysis, and business continuity risk assessments.  \n• Oversees the development and maintenance of the Credit Union's Business Continuity Plan and supports disaster recovery preparedness activities.  \nCredit Risk Management  \n• Oversees the Credit Union's credit risk management framework and monitors portfolio performance.  \n• Conducts ongoing analysis of loan portfolio quality, concentration risks, delinquency trends, charge-offs, and recoveries.  \n• Reviews and recommends lending policies, underwriting standards, and credit risk controls to ensure alignment with the Credit Union's risk appetite.  \n• Evaluates emerging economic, industry, and regulatory risks that may impact the loan portfolio.  \n• Monitors collection activities and recovery strategies to ensure effectiveness and compliance with policies and regulatory requirements.  \n• Provides regular reports and recommendations regarding portfolio quality, provisioning requirements,","cbCaieGfEkdBRn2m","https://ap.wps.com/l/cbCaieGfEkdBRn2m","pdf",181788,6,"English","# Job Title and Organizational Details\n## Position Summary\n# Duties and Responsibilities\n## Corporate Responsibilities\n## Enterprise Risk Management\n## Credit Risk Management\n## Operational Risk and Internal Controls\n## Compliance and Regulatory Risk\n## Information Technology and Cybersecurity Risk\n## Governance, Reporting, and Strategic Leadership","[{\"question\":\"Who does the Chief Risk Officer report to, and what area do they oversee?\",\"answer\":\"The Chief Risk Officer reports to the Board of Directors and oversees Compliance and Audit.\"},{\"question\":\"What is the Chief Risk Officer responsible for in Enterprise Risk Management?\",\"answer\":\"They independently oversee, develop, implement, and continuously enhance the Credit Union’s ERM framework, including defining risk appetite, maintaining an enterprise risk register, and leading three lines of defense.\"},{\"question\":\"Which types of risks does the role cover?\",\"answer\":\"The role covers strategic, credit, operational, liquidity, market, compliance, legal, information technology, cybersecurity, fraud, and reputational risks, including oversight of major initiatives and projects.\"}]","Chief Risk Officer Job Description - Chief Risk Officer | PDF",1789347971]