About usDefence Bank is a member‐owned bank with a proud history of serving the Australian Defence community for almost 50 years. Our purpose is to improve the financial wellbeing of our members, and we do this by putting people first — our members and our people. We're known for being collaborative, values‐led and genuinely flexible, with a strong focus on wellbeing, learning and doing work that matters. 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. Job DescriptionAbout the role We are seeking an experienced and pragmatic Head of Risk to lead second‐linerisk 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 Riskstrategy,Risk Identification and Assessment,Credit andOperational Risk, Business Continuity and ControlSelf‐Assurance, Credit Policy development andoversight,You will partner closely with the business to lift risk maturity, providing balanced oversight that supports sustainable growth while keeping thebank 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. Key ResponsibilitiesOverseeing and maintainingthe Bank's Risk Management Framework, with primary accountability for Credit and Operational Risk oversight. Providing second‐line oversight of credit risk appetite, lending policy, underwritingstandardsand key lending controls. Risk Identification and Assessment, identifying, assessingand prioritising risks at both an Enterprise andbusiness 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,escalatingand reporting on risk incidents,breachesand 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, riskchampionsand other departments to embed apositive risk culture. Stakeholder engagement, liaisingwith regulators,auditorsand external partners tocommunicate risk related matters effectively. Desired Skills and ExperienceAbout YouYou are a seasoned risk professional with strong operationaland creditrisk capability, known for your sound judgement, commercialmindsetand 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. Required Experience and SkillsExtensive experience in banking risk, creditriskor senior lending roles, with exposure tosecond‐linerisk oversight. Strong technical understanding of operationaland creditrisk frameworks, riskappetiteand control environments. Demonstrated ability to interpret and implement regulatory requirements, including APRA, ASIC, NCCP and Privacy obligations. Experience designing or overseeing risk assurance, controltestingorCSA‐typeprograms. Highly developed analytical,problem‐solvinganddecision‐makingskills. 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. BenefitsSavings and discounts across our range of products and services Innovative Work-Life fit program includingadditionalpaid leave A generous annual corporate wardrobe allowance Birthday leave Access to our internal "reward and recognition" platform - vouchers, discounts, e-cards and much more! Equal Employment OpportunityDefence Bank is committed toprovidingequal opportunities for employment andseekto have a team that reflects our diverse community. We encourage anyone interested in our role and a career at Defence Bank to apply. All successful candidates will be required to complete employment checks prior to an offer of employment.#J-18808-Ljbffr