Risk Officer

We are changing FINANCE to finance CHANGE! At  Climate First Bank , we’re redefining what banking can be. As a Florida Benefit Corporation and FDIC-insured commercial bank, we offer a full suite of personal and business services—including solar, residential, commercial, ESOP Banking, Structured Finance and SBA loans—all designed to power a better future. We’re proud to be a Certified B Corporation, a member of 1% for the Planet, and part of the Global Alliance for Banking on Values (GABV), reflecting our deep commitment to sustainability, transparency, and ethical banking. With branches in  St. Petersburg, Winter Park, Mount Dora , and a growing  digital presence , we’re proving that banking can be a force for good. We don’t just support environmental and social causes—we’re built on them. Under our Holding Company,  Climate First Bancorp , we are also powered by OneEthos.  OneEthos  operates at the intersection of fintech and traditional banking to expand access to inclusive, values-driven financial services. Regulated by the Federal Reserve Bank, it equips Community Banks, Credit Unions, CDFIs, and Green Banks with ethical lending tools—especially in climate finance and solar lending. Join the Movement We’re seeking  driven, mission-aligned  individuals ready to make an impact. If you’re passionate about sustainability, thrive in a fast-paced, results driven environment, and want to be part of something bigger, you will feel right at home. Our team is one of  goal-setters, go-getters, problem solvers, thought leaders, and changemakers . We celebrate wins, tackle challenges head-on, and push boundaries. Fueled by purpose, we thrive where perseverance and passion turn ambitious goals into reality. Thrive at Climate First Bank At Climate First Bank, we’re investing in your future. We offer a comprehensive, people-first benefits package that supports your health, finances, and work-life balance. Compensation   —  In addition to the base salary, this position may be eligible for an annual bonus, incentives and equity. Actual compensation is based on industry salary ranges, internal salary structures, experience, skills and other job-related factors. Health Coverage  —  100% employer-paid for employees; employer contribution for dependents by Us Medical, Dental & Vision Insurance  Health Savings Account (HSA)  Free Telemedicine access via Teladoc   Financial Wellness & Wealth Building 401(k) with 6% Employer Match —  No Vesting Period. Employee Stock Options  Exclusive Employee Banking Perks  0% Financing for Employee Solar Loans  Employee Only Mortgage Product  with exclusive interest rates and terms. 0% Financing for Eligible Electric Vehicles (EVs)  Referral Incentives  Generous Paid Time Off 2–4 Weeks of Vacation  based on officer level plus additional tenure-based time. 64 Hours of Paid Sick Time  for all full-time employees. Protection & Peace of Mind Company-Paid Life Insurance  Short- & Long-Term Disability Insurance Voluntary Life, Accident & Critical Illness Coverage   Employee Assistance Program (EAP)  with free counseling, legal, and financial services. Now Hiring: Risk Officer We’re looking for a Risk Officer to lead and strengthen our enterprise risk management program. Reporting to the Chief Compliance, BSA and Risk Officer, this individual will identify, assess, monitor, and mitigate risks that may impact the Bank's operations, financial performance, compliance posture, and reputation. The Risk Officer will supervise a Risk Analyst, partner with leaders across the organization, and provide reporting and guidance to senior leadership and the Board of Directors. What You’ll Contribute: Enterprise Risk Management Leadership  Develop, maintain, and enhance the Bank's enterprise risk management framework, including policies and procedures. Oversee administration of the Enterprise Risk Management (ERM) system and ensure effective risk governance practices. Advise leadership on risk exposure, risk appetite, and appropriate mitigating controls. Risk Assessment & Monitoring  Conduct risk assessments across operational, financial, compliance, strategic, cybersecurity, and reputational risk categories. Monitor and analyze risk data, key risk indicators, and emerging trends to identify potential issues proactively. Stay informed on industry developments and regulatory changes that may impact the Bank's risk profile. Governance, Reporting & Compliance  Ensure compliance with regulatory requirements and internal control standards. Implement, monitor, and test fiduciary and SOX-related risk management programs. Prepare and present risk reports and recommendations to executive leadership and the Board of Directors. Cross-Functional Partnership & Audit Support  Partner with business leaders to implement effective risk management strategies. Participate in internal audits, external audits, and regulatory examinations. Assist in departmental planning, budgeting, and special projects that strengthen the control environment. Team Leadership & Risk Culture  Supervise and develop the Risk Analyst. Deliver risk management training and guidance across the Bank. Champion a proactive risk culture supporting growth and sustainability. Champion Our Mission, Protect What Matters  Adopt a commitment to environmental, social, economic, and racial justice. Stay informed of applicable regulatory requirements and complete all mandatory compliance and IT training. Maintain an understanding of Bank policies, procedures, and regulations. Question suspicious activity and collaborate with departments to help prevent fraud. Champion Our Mission, Protect What Matters Adopt a commitment to environmental, social, economic, and racial justice. Stay informed of applicable regulatory requirements and complete all mandatory compliance and IT training. Pursue and demon