KOHO
Financial Services
Director,OperationalRiskManagement
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“Director, Operational Risk Management at KOHO. Skills: Operational risk management, Controls testing program, Risk framework. Lead operational risk management framework. Evolve operational risk practices”
Industry & Context.
Root cause analysis; Translate complex risk concepts; Solve complex risk challenges
What They're Looking For.
Must Have
10+ years operational risk management, 10+ years enterprise risk management, 10+ years controls testing, 10+ years internal audit, 10+ years compliance, Regulated fintech experience, Neobank experience, Direct-to-consumer financial institution experience
Nice to Have
CFA charterholder preferred, CPA charterholder preferred, FRM charterholder preferred
What You'll Do.
Lead operational risk management framework
Evolve operational risk practices
Align practices with OSFI Guidelines
Develop Second Line Controls Testing program
Implement Second Line Controls Testing program
Provide operational risk profile reporting
Identify emerging operational risks
Develop risk implementation strategies
Conduct operational risk assessments
Provide oversight of risk issues
Provide oversight of risk events
Ensure remediation of control deficiencies
Design risk-based controls testing strategy
Assess design effectiveness of First Line controls
Assess operating effectiveness of First Line controls
Assess control suite coverage of First Line controls
Drive lessons learned reviews
Drive thematic reviews
Establish operational risk appetite metrics
Establish risk appetite thresholds
Establish escalation protocols
Collaborate with Risk Management
Collaborate with Compliance
Collaborate with Internal Audit
Build relationships with business partners
Act as trusted advisor
Act as constructive challenger
Drive risk culture initiatives
Drive risk awareness initiatives
Leverage advanced analytics
Enhance risk identification
Enhance risk monitoring
Enhance predictive insights
Stay current on industry trends
Stay current on RegTech solutions
Stay current on best practices
Bring forward recommendations
Foster innovation culture
Encourage experimentation
How You'll Work.
Team & Collaboration
Partner cross-functionally; Collaborate with product; Collaborate with legal; Collaborate with risk; Collaborate with operations; Collaborate with engineering; Collaborate with Risk Management; Collaborate with Compliance; Collaborate with Internal Audit; Build relationships with First Line; Engage with First Line
Communication Scope
Reporting; Advising; Challenging; Training; Communication
Process & Methodology
Agile, Scrum
Full Job Description
ABOUT KOHO We’re on a mission to make financial services better for every Canadian. That means no hidden fees, no predatory interest rates - just financial products designed to help our users spend smart, save more, and build real wealth. We’re a performance organization with a strong heart: we care deeply about outcomes, and everything ties back to our mission - to financially empower a generation of Canadians. At KOHO, we’re not your average 9-5. We believe real impact comes from people who are trusted, empowered, and supported to do their best work - without sacrificing their lives to do it. We prioritize work-life integration, not just work-life balance. That means asynchronous collaboration, flexible hours, and a remote-first setup built around autonomy and high trust. KOHO is entering its next chapter - leaner, smarter, more AI-integrated. We’re building for impact, not bureaucracy. If you thrive in environments that value clarity, ownership, and bold thinking, you’ll fit right in. ABOUT THE ROLE Reporting to the Associate Chief Risk Officer (ACRO) Non-Financial Risks, we’re looking for a Director, Operational Risk Management to lead and enhance KOHO’s operational risk management framework. This leadership role will be responsible for driving the overall operational risk management strategy, building a Second Line Controls Testing program, and serving as a trusted advisor to Senior Management on operational risk-related matters. The ideal candidate will bring deep expertise in risk management, strong leadership capabilities, a passion for innovation and automation, and the ability to influence at all levels of the organization. You’ll leverage your deep risk management expertise and strong understanding of relevant OSFI Guidelines — while partnering cross-functionally across product, legal, risk, operations, and engineering to support safe and sustainable business growth. WHAT YOU’LL BE DOING OPERATIONAL RISK LEADERSHIP - Lead and evolve KOHO’s operational ris
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