Risk Capital Strategist

6 days ago

Toronto, Ontario, Canada BMO Full time
About BMO

BMO is a leading financial institution with a strong commitment to innovation and customer satisfaction. Our team of experts works tirelessly to deliver exceptional results in the field of credit risk management.


Job Description

This role involves working closely with the Risk Capital team in Credit Risk Management to analyze regulatory credit demand capital trends and metrics. The successful candidate will be responsible for developing portfolio management and capital optimization strategies, as well as communicating effectively with stakeholders across the organization.



Key Responsibilities:

  • Conduct timely and accurate analysis of monthly enterprise regulatory capital submissions, focusing on both Internal Rating Based (IRB) risk-weighted assets (RWA) and Standardized RWA for the Basel capital floor, with particular emphasis on lending portfolios.
  • Produce regular and ad-hoc reports to explain period-over-period changes in RWA, engaging and communicating with Business, Risk, Finance, and Technology partners to identify major drivers of the changes and lead execution of both short-term and permanent solutions.
  • Assist in evaluating and optimizing existing operational methods and workflows to increase efficiency and effectiveness.
  • Review and assess changes to regulatory capital-related business requirements, risk capital models, and corresponding solution documents, performing User Acceptance Testing on implementation and RWA impact analysis.
  • Work with other teams in Risk such as Stress Testing and Portfolio Management to perform capital impact analysis under stressed scenarios.
  • Perform peer capital analysis, including understanding of differences in portfolio characteristics.


Capital Related Projects

  • Lead and execute projects on RWA refinement and optimization as needed, identifying the correct and optimal capital treatment of lending products by referencing relevant regulatory guidelines.
  • Discuss analysis with stakeholders and obtain concurrence from approvers, driving the final implementation by working with partners across the bank.


Regulatory Support

  • Stay up-to-date with Basel regulations as well as internal regulatory processes to assist in implementing new regulations.
  • Participate in ongoing OSFI quantitative impact studies and provide analytical support to Risk and Finance partners.
  • Interpret regulatory capital policies and identify key regulatory initiatives to advise Lines of Business and capital reporting functions on appropriate regulatory interpretations.


Salary Information

The estimated salary range for this position is $81,600.00 - $151,200.00 per year, paid bi-weekly. This is a salaried position, and salaries may vary based on factors such as location, skills, experience, education, and qualifications for the role.

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