INTERNAL RISK AUDITOR

Description

Job Summary: CaixaBank is seeking auditors for the Markets, Risk, and CIB Audit Department, focused on credit or operational risks, to assess the control environment and regulatory compliance. Key Highlights: 1. Risk Audit Development 2. Assessment of the operational and credit risk control environment 3. Part of an innovative bank and Top Employer Barcelona, ES CaixaBank is a financial group with a long-term vision, socially responsible universal banking model 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 hire auditors for CaixaBank’s Markets, Risk, and CIB Audit Department. We seek individuals eager 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 evaluates 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 assesses the credit cycle control environment—from credit admission through formalization and monitoring of credit operations. Main Responsibilities: In the field of credit risk and/or operational risk management: * Reviewing proper compliance with internal regulations and applicable regulatory frameworks. * Verifying the degree of compliance with policies and the overall risk management framework. * Analyzing the quality, consistency, and sufficiency of internal and external reporting. * Ensuring compliance with supervisory expectations, including tracking and verifying correct implementation of action plans arising from supervisory inspections. For Credit Risk: * Analyzing CaixaBank’s established 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 special focus on databases. * Reviewing the control environment of the Entity’s strategic processes—with emphasis on evaluating Risk Assessment, Risk Catalogue, RAF metrics, and Strategic Events. Minimum Requirements * University degree. Preferably in Economics, Business Administration, MBA, or Mathematics. * Knowledge of asset and business products and CaixaBank’s operations. * Familiarity with refinancing procedures and credit risk monitoring. * Knowledge of regulation and the regulatory framework applicable to credit institutions’ risk and solvency management (Bank of Spain Circular 4/2016, International Accounting Standards (IAS 39/IFRS 9…), CRR, CRD IV, Basel III…). * Experience handling data and strong analytical and synthesis capabilities, oriented toward strategic understanding of risk and business. * Teamwork ability, with solid interpersonal and communication skills. Preferred 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 English proficiency. * Internationally recognized certifications in auditing or risk control. What Do We Offer? * The opportunity to join the most innovative bank in Western Europe, according to Global Finance magazine’s The Innovators awards. * A personalized onboarding and mentoring program supporting your professional development. * An individual 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 by CaixaBank. In addition, you will be enrolled in the Pension Plan, to which CaixaBank will make contributions for your future. * Flexible compensation covering transportation, 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 BANKING REGULATORY AND LEGISLATIVE FRAMEWORK 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 MASSIVE DATA ANALYSIS AND PROCESSING BUSINESS MODELS TASK AUTOMATION CREDIT RISK**SOFT SKILLS** ALLIANCES – COLLABORATION AND TRANSVERSALITY ALLIANCES – COMMUNICATION ALLIANCES – INFLUENCE ALLIANCES – CUSTOMER ORIENTATION HUMANISM – COMMUNICATION AND EMPATHY HUMANISM – LEADERSHIP AND TEAM DEVELOPMENT / SELF-LEADERSHIP ANTICIPATION – ANTICIPATION AND CHANGE MANAGEMENT EMPOWERMENT – RESULTS ORIENTATION DIVERSITY – PROMOTING DIVERSITY