About this role:

Wells Fargo is seeking a Senior Lead Credit Risk Officer to lead Account Opening, Customer Identification Program (CIP), and Early Month on Book (EMOB) strategies supporting Business Credit Card originations.

This role is responsible for developing, optimizing, and governing decision strategies that support customer onboarding, identity verification, customer due diligence, application processing, and early account management. The individual will own critical strategy frameworks that influence application decisioning, fraud prevention, operational efficiency, regulatory compliance, and customer experience outcomes across the originations lifecycle.

Working closely with Credit Risk, Product, Operations, Financial Crimes, Fraud, Compliance, Analytics, Modeling, and Technology partners, this leader will identify opportunities to improve decision effectiveness, reduce unnecessary friction and referrals, and optimize onboarding outcomes through data-driven strategy development and execution. Success in this role requires strong analytical problem-solving skills, strategic ownership, and the ability to influence complex business decisions across a highly matrixed environment. Learn more about the career areas and business divisions at wellsfargojobs.com.

In this role, you will:

• Own Account Opening, Customer Identification Program (CIP), customer due diligence, and Early Month on Book (EMOB) decision strategies supporting Business Credit Card originations

• Develop and optimize decision frameworks, verification strategies, referral treatments, and onboarding controls that balance risk management, regulatory requirements, operational efficiency, and customer experience

• Lead strategy performance monitoring across application funnels, verification outcomes, approval rates, referral volumes, fraud indicators, onboarding effectiveness, and early account performance

• Identify drivers of performance variance and execute strategy enhancements through data analysis, testing, segmentation, rule refinement, and operational feedback

• Translate analytical findings, business priorities, customer needs, and risk considerations into actionable strategy recommendations and measurable outcomes

• Partner with Product, Operations, Financial Crimes, Fraud, Compliance, Analytics, Modeling, Technology, and business stakeholders to design, implement, and optimize onboarding and decisioning strategies

• Lead strategy changes through governance, validation, implementation, and change-management processes while ensuring appropriate documentation, traceability, and control adherence

• Influence senior leaders and decision forums by presenting complex analytical, operational, regulatory, and customer experience considerations in a clear and actionable manner

• Support modernization initiatives that simplify legacy decision structures, improve scalability, and enhance onboarding and customer identification capabilities

• Ensure strategies align with applicable regulatory requirements, internal policies, audit expectations, and risk governance standards

Required Qualifications

• 7+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications

• Experience owning credit risk, onboarding, customer identification, fraud, verification, underwriting, or account-opening strategies supporting Business Credit Card, Small Business Lending, Commercial Card, Consumer Credit Card, or unsecured revolving credit portfolios

• Familiarity with Customer Identification Program (CIP), Know Your Customer (KYC), customer due diligence, business entity verification, beneficial ownership, identity verification, fraud controls, and onboarding decision frameworks

• Experience supporting formal approvals, independent challenge, audit activities, regulatory reviews, risk assessments, and strategy governance processes

• Strong analytical and problem-solving skills, including experience evaluating complex business problems, identifying root causes, and driving measurable performance improvements

• Proficiency with SQL, SAS, Python, or similar tools used to support strategy development, performance monitoring, testing, and analytics

• Demonstrated success developing and optimizing decision strategies that balance customer experience, risk management, operational efficiency, fraud prevention, and portfolio objectives

• Experience monitoring and optimizing application funnels, onboarding outcomes, referral rates, verification performance, approval rates, and early account behavior

• Proven ability to influence stakeholders across Credit Risk, Product, Operations, Financial Crimes, Fraud, Compliance, Analytics, Modeling, and Technology organizations

• Experience translating regulatory requirements, policy guidance, operational considerations, customer experience objectives, and risk frameworks into actionable decision strategies

• Experience modernizing decision strategies, simplifying legacy rule structures, or implementing scalable decisioning frameworks

• Strong executive communication skills, including experience presenting strategy recommendations, performance insights, and business outcomes to senior leadership

Job Expectations:

• Ability to travel up to 10% of the time

• This position is not eligible for Visa sponsorship

• This position offers a hybrid work schedule

Job posting may come down early due to volume of applicants.

Locations:

• 2200 Concord Pike, Wilmington, DE 19803

Required locations listed above.  Relocation assistance is not available for this position.

Posting End Date: 

6 Aug 2026

*Job posting may come down early due to volume of applicants.

We Value Equal Opportunity

Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

Applicants with Disabilities

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.

Drug and Alcohol Policy

 

Wells Fargo maintains a drug free workplace.  Please see our Drug and Alcohol Policy to learn more.

Wells Fargo Recruitment and Hiring Requirements:

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.