Shape risk maturity and member trust in a purpose‐driven bank. Own enterprise risk outcomes, partnering with the CRO, Executive and Board. Apply judgement‐led risk that enables growth and resilience. A rare opportunity to partner with Executive and Board leaders to shape enterprise risk outcomes that protect members and strengthen the future of a member‐owned bank. About us.Defence Bank is a member‐owned bank that has been proudly serving the Defence Community for 50 years. With 26 branches across Australia and our award‐winning app, Defence Bank is where our members need us – anywhere, anytime. The bank provides financial products and services to the Australian Defence Force and its unique community, reinvesting profits for the benefit of our members. We are a leader in our sector and our people led, technology enabled environment, celebrates the individual talents, personalities, interests and needs of our people. Winner of theBest Reward & Recognition program 2024and a finalist forEmployer of Choice 2024, it is not only our employees who think our bank is truly one of the best places to work. The opportunity.We are seeking an experienced and pragmatic Head of Risk to lead second‐line risk oversight across our purpose-driven bank, reporting to the Chief Risk Officer. This senior leadership role is responsible for the oversight and ongoing effectiveness of the bank's Risk Management Framework, with a strong focus on Risk strategy, Risk Identification and Assessment, Credit and Operational Risk, Business Continuity and Control Self‐Assurance, Credit Policy development and oversight, You will partner closely with the business to lift risk maturity, providing balanced oversight that supports sustainable growth while keeping the bank safe. You will play a key role in advising Executive Management and the Board on risk matters, translating regulatory requirements into practical, proportionate risk settings appropriate to a member‐owned bank. Your key responsibilities will include (but are not limited to):Overseeing and maintaining the Bank's Risk Management Framework, with primary accountability for Credit and Operational Risk oversight. Providing second-line oversight of credit risk appetite, lending policy, underwriting standards and key lending controls. Risk Identification and Assessment, identifying, assessing and prioritising risks at both an Enterprise and business level. Designing and overseeing the Control Self‐Assurance program and cyclical risk assessments, including attestations and remediation tracking. Leading the design and ongoing effectiveness of the Bank's Business Continuity Strategy, with a key focus on critical operations. Monitoring, escalating and reporting on risk incidents, breaches and emerging risks, in line with the Risk Appetite Statement. Delivering clear, insightful risk reporting and advice to Executive Management and the Board Risk and Compliance Committee. Collaboration and Culture, working closely with business unit, risk champions and other departments to embed a positive risk culture Stakeholder engagement, liaising with regulators, auditors and external partners to communicate risk related matters effectively About YouYou are a seasoned risk professional with strong operational and credit risk capability, known for your sound judgement, commercial mindset and ability to work constructively with the business. You are comfortable operating at senior levels, influencing outcomes through collaboration rather than control, and balancing risk discipline with practical delivery. You will have: Extensive experience in banking risk, credit risk or senior lending roles, with exposure to second‐line risk oversight. Strong technical understanding of operational and credit risk frameworks, risk appetite and control environments. Demonstrated ability to interpret and implement regulatory requirements, including APRA, ASIC, NCCP and Privacy obligations. Experience designing or overseeing risk assurance, control testing or CSA‐type programs. Highly developed analytical, problem‐solving and decision‐making skills. Proven leadership capability, with a collaborative style and the confidence to engage Executive and Board stakeholders. We count on you. And you can count on us.We have a great range of employee benefits including:Savings and discounts across our range of products and services Innovative Work-Life fit program including additional paid leave A generous annual corporate wardrobe allowance Birthday leave Access to our internal "reward and recognition" platform - vouchers, discounts, e-cards and much more! Interested? We'd like to hear from you. Click to apply.Defence Bank is committed to providing equal opportunities for employment and seek to have a team that reflects our diverse community. We encourage anyone interested in our role and a career at Defence Bank to apply.#J-18808-Ljbffr