Non-Financial Risk Specialist (Business Banking)

What are we looking for?

Want to know if this job is made for you? These are some of the qualities that we value the most for this role. And if the shoe fits... don't hesitate to apply!

• Experience as Non-Financial Risk analyst focused on Business Banking with approx. minimum 5 years. Previous experience in IT or IT risk management would be a plus
• University Degree or equivalent
• Insight of digital banking, related Business Banking processes and regulations
• Experience on end-to-end process analysis to identify and assess NFR risks, including root causes analysis
• Expertise on testing methodologies
• Driving impact and collaborating skills in multidisciplinary risk teams
• Sound risk criteria: ability to be firm when needed and show flexibility when required
• Proactivity and executive communication skills
• Excellent data analysis skills
• Fluent in English (written and spoken)

Want to know if this position is right for you? These are some of the qualities we value most for this role. And if you fit them... don't hesitate to submit your application!

• Experience as a Non-Financial Risk analyst focused on Business Banking for approximately a minimum of 5 years. Previous experience in IT or IT risk management will be valued.
• University degree or equivalent.
• Knowledge of digital banking, related Business Banking processes, and their regulation.
• Experience in end-to-end process analysis to identify and assess NFR risks, including root cause analysis.
• Expertise in testing methodologies.
• Ability to drive impact and collaborate in multidisciplinary risk teams.
• Sound risk criteria: ability to be firm when needed and show flexibility when required.
• Proactivity and executive communication skills.
• Excellent data analysis skills.
• Fluent English level (oral and written).

At ING we are looking for a Non-Financial Risk Specialist (Business Banking)

We are looking for a talented and enthusiastic Non-Financial Risk (NFR) specialist with Business Banking background to join our Non-Financial Risk Team of ING Spain, with a hierarchical reporting line to ING Spain & Portugal's Head of NFR.

ING is upgrading its processes, controls, and infrastructure to evolve into an end-to-end "straight through processing" company. Non-Financial Risk

Management uses sound principles of risk management to ensure that everything related to operational risk is within the risk appetite of the Bank, maintaining the control environment at an acceptable level following a risk-based approach (proportionate to its value and criticality).

The NFR team oversees the global NFR policies and best practices' implementation within ING Spain & Portugal, provides advice and challenges the risk/control owners on effectiveness of risk identification and mitigation.

The team is responsible for monitoring and reporting on the ING Spain adherence to the NFR risk appetite and produces quarterly Non-Financial Risk Dashboard (NFRD) report.

• The NFR team focuses on:
• Control Risk
• Processing Risk
• Unauthorized Activities
• Employment Practices
• Personal and Physical Security
• Information Technology Risks
• Continuity and Operational Resilience Risk
• Internal and External Fraud

Your key responsibilities:

As an experienced Non-Financial Risk (NFR) Specialist with a strong focus on Business Banking, you:

• Have a deep understanding of Business Banking products, processes, customer journeys, and associated non-financial risks
• Act as a trusted partner and advisor to business management, providing effective challenge, risk advice, and oversight to ensure risks are identified, assessed, mitigated, and monitored in line with the bank's risk appetite and regulatory requirements
• Provide strong expertise in governance, operational risk management, controls' effectiveness, risk assessments, incident management, and change initiatives, combined with the ability to collaborate with stakeholders across the organization to drive a strong risk culture and support sustainable business growth
• Support, challenge and monitor NFR risk management processes and quality
• Participate in and challenge risk assessments and PARPs on key strategic projects and programs
• Contribute to the development, maintenance and roll out the NFR Frameworks, Policies, Minimum Standards and Procedures
• Perform Quality Assurance or deep dive reviews as part of second line monitoring
• Contribute to the identification of the impact of and the coordination of responses to law and regulatory changes, ECB reports, etc. and monitors the follow-up of the regulatory issue solving
• Foster Risk Management awareness within the organization, develop and maintain training modules and train the business communities
• Provide outside-in perspective and support with research, assessment of the risk profile of organization and reporting to Senior Management.

As an experienced Non-Financial Risk (NFR) Specialist with a strong focus on Business Banking, you:

• Have a deep understanding of Business Banking products, processes, customer journeys, and associated non-financial risks.
• Act as a trusted partner and advisor to business management, providing effective challenge, risk advice, and oversight to ensure that risks are identified, assessed, mitigated, and monitored in accordance with the bank's risk appetite and regulatory requirements.
• Bring solid experience in corporate governance, operational risk management, control effectiveness, risk assessments, incident management, and change initiatives, combined with the ability to collaborate with stakeholders across the organization to drive a strong risk culture and support sustainable business growth.
• Support, challenge, and monitor NFR risk management processes and their quality.
• Participate in and provide constructive challenge to risk assessments and PARPs for key strategic projects and programs.
• Contribute to the development, maintenance, and implementation of NFR frameworks, policies, minimum standards, and procedures.
• Perform Quality Assurance reviews or deep-dive analyses as part of second-line monitoring.
• Contribute to identifying the impact of legislative and regulatory changes, ECB reports, etc., as well as coordinating the corresponding responses and monitoring the follow-up of the resolution of regulatory issues.
• Foster risk management awareness within the organization, developing and maintaining training modules and training the various business communities.
• Provide an outside-in perspective and support in research, assessment of the organization's risk profile, and reporting to Senior Management.

We are looking for a talented and enthusiastic person for the position of Non-Financial Risk (NFR) Specialist, with experience in Business Banking, to join our Non-Financial Risk team at ING Spain, reporting to the person responsible for NFR at ING Spain and Portugal.

ING is improving its processes, controls, and infrastructure to evolve into an end-to-end "straight through processing" company. Non-Financial Risk Management uses solid risk management principles to ensure that everything related to operational risk remains within the Bank's risk appetite, preserving an adequate control environment through a risk-based approach (proportional to its value and criticality).

The NFR team oversees the implementation of global NFR policies and best practices within ING Spain and Portugal, providing advice and constructive challenge to those responsible for risks and controls regarding the effectiveness of risk identification and mitigation.

The team is responsible for monitoring and reporting on ING Spain's adherence to the NFR risk appetite and produces the quarterly Non-Financial Risk Dashboard (NFRD) report.

• The NFR team focuses on:
• Control Risk
• Processing Risk
• Unauthorized Activities
• Internships
• Personal and Physical Security
• Information Technology Risks
• Continuity and Operational Resilience Risk
• Internal and External Fraud