BBVA Compass


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  • Overview

    BBVA is a global financial group with more than 135,000 employees and 67 million customers across 35 countries. BBVA is on a mission to be the world's #1 digital bank and is building the foremost digital banking franchise worldwide.
    BBVA’s New Digital Businesses (NDB) team is a global business unit that is disrupting the banking and financial services industry by investing in, partnering with, building, and acquiring fintech start-ups. With offices in Madrid, San Francisco, Hong Kong and London, NDB is a key piece of BBVA’s global innovation initiative. Through NDB, BBVA has acquired Simple (US), Holvi (Finland), and Openpay (Mexico). It owns a substantial stake in Atom (UK). It invests in fintechs like Prosper, Personal Capital, and Coinbase through its venture capital arm, Propel Venture Partners. And it is incubating a number of cutting-edge fintech start-ups including Azlo (SMB banking), Denizen (banking for expats), Covault (digital identity) and Muno (insurtech).
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    About Denizen:
    “Your life spans oceans, shouldn’t your money do the same?”
    Denizen is founded by expats who know firsthand that living between multiple countries is complicated, but felt managing your global finances shouldn’t have to be.  We are a mobile first company, with apps recently launched on both iOS and Android and already reaching customers worldwide.
    We have offices in both San Francisco and Madrid
    What makes Denizen unique is that as a we are supported by advisors with years of industry experience, and because we are backed by one of the world’s most respected financial institutions, we have a competitive advantage created by the confidence this inspires in potential customers. We have access that an independent startup wouldn’t have - all while having the independence, excitement, and ownership of operating as our own unit.
    We are seeking an experienced Business Control Manager to join our team in San Francisco. You will be tasked with the critical mission to ensure sufficient process controls are established in all business activities, with a focus on US operations. Program management activities will involve continuous stakeholder engagement both within Denizen and with our Banking Partners. You will develop and execute the ERM roadmap, manage KPI’s, design and implement scalable processes with a focus on continuous improvement, and provide critical inputs for process automation.



    • Develop initiatives to comply w/ Federal Reserve Bank (FRB), European Central Bank (ECB), & Banco de Espana regulations & internal risk models.
    • Create, implement and oversee holistic risk-based governance frameworks, business controls priorities and strategy.
    • Responsibility for stakeholder engagement, assessment of ongoing business needs and building short-term and long-term roadmap to support business needs.
    • Develop and document standard processes and reporting tooling needs to support risk program requirements.
    • Ensure business first line of defense supervisory management and risk controls execution.
    • Identify, measure and manage risks within products and internal processes - specifically operational, IT and other data & information security type risks including cybersecurity.
    • Lead proactive risk management exercises or programs.



    • Minimum 6 years of financial services experience with at least 4 years in direct risk or ERM implementing First and/or Second line of defense Technology & Operations models, corporate policies & internal controls from organizational, management, control & reporting point of view.
    • Strong working knowledge of BSA and AML best practices.
    • Maintain open communication lines and foster positive relationship with BBVA control and compliance partners.
    • Ability to work in a highly visible and fast-paced environment, where business needs/priorities may change and path forward is not always black/white.
    • Experience designing end-to-end processes that scale, particularly with respect to Operations and Quality Assurance.
    • Capable of analyzing complex problem in order to provide strategic and tactical solutions.
    • Operates with a sense of urgency and has a strong attention to detail.


    Bonus Points

    • Master’s degree in Business, Engineering, Risk or a related field.
    • CRISC, CERM, CISSP, ACAMS or other certifications in risk management or compliance.
    • Proficiency in in written and spoken spanish.


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