INTERNAL RISK AUDITOR

Description

Job Summary: CaixaBank is seeking auditors for its Markets, Risk and CIB Audit Department, with a focus on Credit Risk and/or Operational Risk Audit. Key Highlights: 1. Professional development in Credit Risk or Operational Risk Audit 2. Being part of an innovative bank with a long-term vision 3. Access to continuous training and wellbeing benefits Barcelona, ES CaixaBank is a financial group operating under a socially responsible universal banking model with a long-term vision, grounded in quality, proximity and specialization. It offers a tailored value proposition of products and services for each segment, embracing innovation as a strategic challenge and a distinctive feature of its culture. Its leading position in retail banking in Spain and Portugal enables it to play a key role in contributing to sustainable economic growth. What projects do we develop? The purpose of this recruitment drive is to incorporate auditors into CaixaBank’s Markets, Risk and CIB Audit Department. We seek individuals wishing to develop their careers in Risk Audit, with the possibility of joining either the Credit Admission and Monitoring Audit team or the Risk Management and Operational Risk Audit team. The position is located at SSCC (Madrid or Barcelona). The Risk Management and Operational Risk Audit team assesses the operational risk control environment, as well as strategic risk processes (Risk Catalogue, Risk Assessment and RAF), whereas the Credit Admission and Monitoring Audit team evaluates the credit cycle control environment—from credit admission through formalization and ongoing monitoring of credit operations. Main Responsibilities: Within the scope of credit risk and/or operational risk management: * Reviewing compliance with internal regulations and applicable regulatory frameworks. * Verifying adherence to policies and the overall risk management framework. * Analyzing the quality, consistency and adequacy of internal and external reporting. * Ensuring compliance with supervisory expectations, including tracking and verifying the proper implementation of action plans arising from supervisory inspections. For Credit Risk: * Analyzing CaixaBank’s credit risk management procedures—including all aspects related to processing and resolution of asset operations: admission, documentation, formalization and establishment of operations, * monitoring, as well as analysis of procedures for identifying refinancings. * Reviewing the control environment of credit cycle processes. For Operational Risk and Strategic Processes: * Reviewing various risk management levers and processes for calculating regulatory and economic operational risk capital, with particular emphasis on databases. * Reviewing the control environment of the Entity’s strategic processes, focusing on evaluation of Risk Assessment, Risk Catalogue, RAF metrics and Strategic Events. Minimum Requirements * University degree. Preferably in Economics, Business Administration or MBA, or Mathematics. * Knowledge of asset and business products and of CaixaBank’s operations. * Knowledge of refinancing procedures and credit risk monitoring. * Knowledge of regulation and the regulatory framework applicable to risk and solvency management of credit institutions (Bank of Spain Circular 4/2016, International Accounting Standards (IAS 39/IFRS 9…), CRR, CRD IV, Basel III…). * Experience in data handling and strong analytical and synthesis capabilities, oriented toward strategic understanding of risk and business. * Teamwork ability, with solid interpersonal and communication skills. Valued qualifications: * Experience in auditing, risk management or control functions. * Familiarity with corporate applications and tools for data selection and extraction. * Proficiency in end-user IT tools (Word, Excel, PowerPoint, Access, advanced SAS). * Advanced level of English. * Specific international certifications in auditing or risk control. What do we offer? * The opportunity to join the most innovative bank in Western Europe, according to the Global Finance (US) magazine’s The Innovators awards. * An onboarding program and personalized mentoring to support your professional development. * An individualized training pathway with access to our online platform, offering an extensive catalog of self-learning resources to foster your continuous growth. * A comprehensive health insurance plan fully covered at no cost to you. Additionally, you will be enrolled in the Pension Plan, to which CaixaBank will make contributions—thinking ahead to your future. * Flexible remuneration applied to transport, training, languages, childcare, among others. * Flexibility measures (remote work, flexible start times). * Top Employer certification, recognizing us as one of the best companies to work for. Job profile Competencies **HARD SKILLS** AUDIT TOOLS, SYSTEMS AND INTERNAL PROCESSES REGULATORY AND LEGISLATIVE FRAMEWORK IN BANKING ENVIRONMENTS RISK ASSESSMENT ANALYTICAL, SYNTHETIC AND WRITING CAPABILITY CORPORATE GOVERNANCE AND INTERNAL CONTROL SYSTEM AUDIT METHODOLOGY, TECHNIQUES AND REGULATION OFFICE PROCESSES AND PROCEDURES CONCENTRATION RISK COUNTRY RISK ACCOUNTING CLASSIFICATION AND COVERAGE OF THE CREDIT PORTFOLIO CORPORATE AND INSTITUTIONAL BANKING (CIB) ADVANCED ANALYSIS AND PROCESSING OF LARGE VOLUMES OF DATA BUSINESS MODELS TASK AUTOMATION CREDIT RISK**SOFT SKILLS** ALLIANCES – COLLABORATION AND CROSS-FUNCTIONALITY ALLIANCES – COMMUNICATION ALLIANCES – INFLUENCE ALLIANCES – CLIENT ORIENTATION HUMANISM – COMMUNICATION AND EMPATHY HUMANISM – LEADERSHIP AND TEAM DEVELOPMENT / SELF-LEADERSHIP ANTICIPATION – ANTICIPATION AND CHANGE MANAGEMENT EMPOWERMENT – RESULTS ORIENTATION DIVERSITY – PROMOTION OF DIVERSITY