Chief Risk Officer (CRO) Organization: Sezzle Bank ILC Location: Utah, USA Employment Type: Full-time | On-site About Sezzle: With a mission to financially empower the next generation, Sezzle is revolutionizing the shopping experience beyond payments, blending cutting-edge tech with seamless, interest-free installment plans that make shopping smarter and more accessible. We're not just transforming payments; we're redefining how people discover, interact with, and purchase the things they love while driving real impact on merchant sales through increased conversions and higher order values. As we continue to shape the future of fintech and retail, we're building an innovative, dynamic team passionate about creating more than just a transaction but a truly unique shopping journey.

If you're excited about pushing boundaries in tech and delivering a game-changing experience for consumers and merchants alike, come join us at Sezzle and help create the future of shopping! About Sezzle Bank ILC: Sezzle Bank ILC is a de novo Industrial Loan Company in formation, chartered in Utah and wholly owned by Sezzle Inc. The Bank will serve as the regulated banking entity supporting Sezzle's consumer financial products, with a strategic focus on responsible lending, financial innovation, and exceptional customer experience.

We are building a best-in-class team to stand up a safe, sound, and compliant institution from the ground up.

About The Role

: We are seeking a highly experienced Chief Risk Officer to develop and maintain an effective second-line risk management framework for Sezzle Bank ILC. The CRO will measure and manage credit, market, liquidity, operational, compliance, technology, and model-related risks across the Bank. This role reports to the CEO with a secondary reporting line to the Board Risk and Compliance Committee.

What You'Ll Do

: Define enterprise-wide risk management strategies, policies, and risk appetite frameworks. Identify, measure, monitor, and report on risk across the Bank and ensure compliance with established risk limits. Serve as the primary interface for all risk program communication to the Board Risk and Compliance Committee.

Identify emerging areas of risk, including potential risks associated with proposed new products and services. Oversee the Bank's CISO to ensure information assets, sensitive customer data, and technologies are protected; ensure the CISO reports routinely to the Board or appropriate committee.

Requirements

Serve as (or oversee) the CRA Officer, ensuring the Bank meets its community reinvestment obligations. Oversee the BSA Officer; ensure BSA/AML/OFAC policies, procedures, risk assessments, and controls are properly designed and operationally effective. Develop and maintain a model governance framework that includes independent model validation processes.

Communicate with regulators and address regulatory inquiries and examination activities. Provide support and insight to the Bank's audit program, including addressing audit findings and remediation efforts. What We Look For: 15–20+ years of banking or financial services experience, with significant time in risk management, credit, compliance, or audit.

Minimum 7–10 years in a senior risk leadership role (CRO, SVP Risk, or equivalent) at a regulated financial institution.

, and second-line governance. Experience managing compliance, BSA/AML, OFAC, CRA, and cybersecurity risk programs. Strong communication skills with Board-level risk reporting experience.

Demonstrated experience working with Claude or equivalent large language model tools is required; candidates must be comfortable leveraging AI to enhance productivity, research, and communication. Located in Utah or willing to relocate to Utah.