CaixaBank is the leading financial group in Spain and one of the most significant banking institutions in the Eurozone, serving millions of customers through an extensive network of branches and digital channels. The company operates across retail banking, insurance, and asset management, maintaining a dominant market share in the Iberian Peninsula following its 2021 merger with Bankia.

With its legal headquarters in Valencia and major operational hubs in Barcelona and Madrid, CaixaBank offers a vast array of career paths ranging from local branch management to highly specialized corporate functions. For international professionals, the bank is particularly relevant in areas such as cybersecurity, fintech, data analytics, and sustainable finance, where it seeks to integrate global best practices into its digital transformation strategy.

Founded in 1904 as Caja de Ahorros y Pensiones de Barcelona ('la Caixa'), the institution transitioned to a publicly traded bank in 2011. In 2021, it completed a landmark merger with Bankia, solidifying its position as the largest bank in the Spanish domestic market.

Internal Risk Audit Manager

CaixaBank

This job was originally posted in Spanish and automatically translated to English. You'll most likely need Spanish to apply.

Job Description

CaixaBank is a financial group with a socially responsible, long-term universal banking model, based on quality, trust, and specialisation, which offers a value proposition of products and services adapted for each sector, adopting innovation as a strategic challenge and a distinguishing feature of its corporate culture, and whose leading position in retail banking in Spain and Portugal makes it a key player in supporting sustainable economic growth.

Which projects do we work on?

The objective of this call is to fill auditor positions in the Markets, Risks, and CIB Audit Department of CaixaBank.
We are looking for people who want to develop themselves in Risk Audit, with the possibility of joining the Credit Admission and Monitoring Audit team or the Risk Management and Operational Risk Audit team.

The job location is at SSCC (Madrid or Barcelona).

The Risk Management and Operational Risk Audit team evaluates the operational risk control environment, as well as strategic risk processes (Risk Catalog, Risk Assessment, and RAF), while the Credit Admission and Monitoring Audit team evaluates the control environment of the credit cycle, from admission to the formalization and monitoring of credit operations.

Main functions:

In the area of credit risk management and/or operational risk:

Review of adequate compliance with internal regulations and the applicable regulatory framework.
Verification of the degree of compliance with policies and the global risk management framework.
Analysis of the quality, consistency, and sufficiency of internal and external reporting.
Ensure compliance with supervisory expectations, including the monitoring and verification of the correct execution of action plans derived from supervisory inspections.

For Credit Risk:

Analysis of the credit risk management procedures established at CaixaBank, including all aspects related to the processing and resolution of asset operations: admission, documentation, formalization, and constitution of operations,
monitoring, as well as the analysis of procedures for identifying refinancings.
Review of the control environment of the credit cycle processes.

For Operational Risk and strategic processes:

Review of the different management levers and the calculation processes for regulatory and economic capital for Operational Risk, with a special focus on Databases.
Review of the control environment of the Entity's strategic processes, focusing on the evaluation of the Risk Assessment, the Risk Catalog, RAF metrics, and Strategic Events.

Minimum requirements

University degree. Preferably in Economics, Business Administration or MBA, or Mathematics.
Knowledge of asset and business products and CaixaBank's operations.
Knowledge of refinancing procedures and credit risk monitoring.
Knowledge of the regulation and regulatory framework applicable to risk management and solvency of credit institutions (Bank of Spain Circular 4/2016, International Accounting Standards (IAS 39/IFRS 9...), CRR, CRD IV, Basel III...).
Experience in data processing and high analytical and synthesis capacity, oriented towards the strategic understanding of risk and business.
Ability to work in a team, with strong relational and communication skills.

The following will be valued:

Experience in auditing, risk management, or control functions.
Knowledge of corporate applications and tools for data selection and extraction.
Knowledge of IT tools at a user level (Word, Excel, PowerPoint, Access, advanced SAS).
Advanced level of English.
Specific international certifications in Auditing or risk control.

What do we offer?

Be part of the most innovative Bank in Western Europe, according to The Innovators awards from the US magazine Global Finance.
Onboarding program and personalized guidance for your professional development.
Individual training itinerary with access to our online platform, which offers an extensive catalog of self-learning resources to encourage your continuous growth.
You will have a comprehensive health insurance policy completely free of charge for you. Additionally, you will be enrolled in the Pension Plan, to which CaixaBank will make contributions thinking of your future.
Flexible remuneration applied to transport, training, languages, childcare, among others.
Flexibility measures (remote work, flexible start times).
We hold the Top Employer certification, which recognizes us as one of the best companies to work for.

Job profile

Skills

H INTERNAL AUDIT TOOLS, SYSTEMS AND PROCESSES

H REGULATIONS AND RULES IN BANKING ENVIRONMENTS

H RISK ASSESSMENT

H ANALYTICAL, SYNTHESIS, AND WRITING SKILLS

H CORPORATE GOVERNANCE AND INTERNAL CONTROL SYSTEM

S.1.1 ALLIANCES - COLLABORATION AND TRANSVERSALITY

S.1.4 ALLIANCES - COMMUNICATION

H AUDIT METHODOLOGY, TECHNIQUES, AND REGULATIONS

S.1.3 ALLIANCES - INFLUENCE

H OFFICE PROCESSES AND PROCEDURES

S.1.2 ALLIANCES - CUSTOMER ORIENTATION

S.2.1 HUMANISM - COMMUNICATION AND EMPATHY

S.2.2 HUMANISM - LEADERSHIP AND TEAM DEVELOPMENT / SELF-LEADERSHIP

H CONCENTRATION RISK

S.4.1 ANTICIPATION - ANTICIPATION AND CHANGE MANAGEMENT

H COUNTRY RISK

S.3.1 EMPOWEREMENT - FOCUS ON RESULTS

H ACCOUNTING CLASSIFICATION AND COVERAGE OF THE LOAN PORTFOLIO

H CORPORATE AND INSTITUTIONAL BANKING (CIB)

S.5.1 DIVERSITY - PROMOTING DIVERSITY

H ADVANCED ANALYSIS AND MASSIVE DATA PROCESSING

H BUSINESS MODELS

H TASK AUTOMATION

H CREDIT RISK

View original advert (Spanish)

Which projects do we work on?

El objetivo de esta convocatoria es incorporar plazas de auditor en el Departamento de Auditoría de Mercados, Riesgos y CIB de CaixaBank.
Buscamos personas que quieran desarrollarse en Auditoría de Riesgos, con posibilidad de incorporarse en el equipo de Auditoría de Admisión y Seguimiento de Crédito o en el equipo de Auditoría de Gestión de Riesgos y Riesgo Operacional.

La ubicación del puesto de trabajo es en SSCC (Madrid o Barcelona).

El equipo de Auditoría de Gestión de Riesgos y Riesgos Operacional evalúa el entorno de control del riesgo operacional, así como los procesos estratégicos de riesgo (Catálogo de Riesgo, Risk Assessment y RAF), mientras que el equipo de Auditoría Admisión y Seguimiento de Crédito evalúa el entorno de control del ciclo de crédito, desde la admisión, a la formalización y seguimiento de operaciones crediticias.

Funciones principales:

En el ámbito de la gestión del riesgo de crédito y/o riesgo operacional:

Revisión del adecuado cumplimiento de la normativa interna y del marco regulatorio aplicable.
Verificación del grado de cumplimiento de las políticas y del marco global de gestión del riesgo.
Análisis de la calidad, consistencia y suficiencia del reporting interno y externo.
Asegurar el cumplimiento de las expectativas supervisoras, incluyendo el seguimiento y la verificación de la correcta ejecución de los planes de acción derivados de las inspecciones supervisoras.

Para Riesgo de Crédito:

Análisis de los procedimientos de gestión de riesgo de crédito establecidos en CaixaBank, incluyendo todos los aspectos relacionados con la tramitación y resolución de operaciones de activo: admisión, documentación, formalización y constitución de operaciones,
seguimiento, así como el análisis de los procedimientos de identificación de refinanciaciones.
Revisión del entorno de control de los procesos de ciclo de crédito.

Para Riesgo Operacional y procesos estratégicos:

Revisión de las distintas palancas de gestión y de los procesos de cálculo del capital regulatorio y económico de Riesgo Operacional, con especial foco en las Bases de Datos.
Revisión del entorno de control de los procesos estratégicos de la Entidad, con foco en la evaluación del Risk Assessment, el Catálogo de Riesgos, las métricas del RAF y los Eventos Estratégicos.

Minimum requirements

Titulación superior. Preferentemente en Economía, Administración de Empresas o MBA o Matemáticas.
Conocimiento de los productos de activo y de negocio y de la operativa de CaixaBank.
Conocimiento de los procedimientos de refinanciación y seguimiento del riesgo de crédito.
Conocimiento de la regulación y del marco normativo que aplica a la gestión de riesgos y solvencia de entidades de crédito (Circular 4/2016 de Banco de España, Normas Internacionales de Contabilidad (IAS 39/IFRS 9...), CRR, CRD IV, Basilea III...).
Experiencia en el tratamiento de datos y elevada capacidad analítica y de síntesis, orientada a la comprensión estratégica del riesgo y del negocio.
Capacidad de trabajo en equipo, con sólidas habilidades relacionales y de comunicación.

Se valorará:

Experiencia en auditoría, gestión de riesgos o funciones de control.
Conocimiento de las aplicaciones corporativas y de las herramientas para la selección y extracción de datos.
Conocimiento de herramientas informáticas a nivel de usuario (Word, Excel, PowerPoint, Access, SAS avanzado).
Nivel avanzado de inglés.
Certificaciones internacionales específicas de Auditoría o de control de riesgos

What do we offer?

Formar parte del Banco más innovador en Europa Occidental, según los premios The Innovators de la revista estadounidense Global Finance.
Programa de onboarding y acompañamiento personalizado para tu desarrollo profesional.
Itinerario formativo individual con acceso a nuestra plataforma online, que ofrece un extenso catálogo de recursos de autoaprendizaje para fomentar tu crecimiento continuo.
Dispondrás de un seguro de salud completo totalmente gratuito para ti. Además, quedarás adherido al Plan de Pensiones, al que CaixaBank realizará aportaciones pensando ya en tu futuro.
Retribución flexible aplicada a transporte, formación, idiomas, guardería, entre otros.
Medidas de flexibilidad(trabajo en remoto, flexibilidad entrada).
Contamos con la certificación Top Employer, que nos reconoce como una de las mejores empresas para trabajar.