Chief Risk Officer

September 23, 2026

WHO WE ARE JN Bank is a member company in the Jamaica National Group one of the Caribbean’s pre-eminent and most recognizable brands. We are Jamaica’s third largest bank, and we are a bold and courageous financial institution dedicated to financial independence for all and using business as a force for good. We will always help you find a way, go where no one has gone before to facilitate extraordinary life experiences, create wealth and sustain long-term value…. that’s our vision! Our Group of companies represent a globally respected brand, boldly finding ways to enrich lives and build better communities. Our core values make us who we are and are demonstrated in everything we do; rooted in RESPECT we believe our everyday jobs contribute to something bigger than ourselves. We are dependable and pride ourselves in our authenticity and in the transparent solutions we create that bring value to our customers. The Opportunity The Chief Risk Officer (CRO) directs the enterprise-wide risk management framework, safeguarding the bank’s financial stability by identifying, measuring, and mitigating credit, market, operational, and regulatory risks, acting as the strategic advisor to the Board of Directors. The CRO builds the Bank's resilience while ensuring compliance with regulations and creates a culture where everyone understands and manages risks appropriately. The position reports to the Managing Director JN Bank. The role is a rich, multi-faceted combination of management, strategy and hands-on commercial responsibility which will see you challenged and rewarded. The Person The ideal candidate will be: <ul> <li>A commercially focused, strategic thinker who can create strategic alliances within and outside the JN Group with mutual benefits for members, subsidiaries and the JN Group. </li></ul> An outstanding high achiever, with a proven track record of improving business performance. <ul> <li>Entrepreneurial, with an excellent understanding of the risk/reward relationship and the ability to leverage knowledge of industry trends and regulatory frameworks to assess and anticipate members’ needs. </li></ul> <ul> <li>Adept with building and motivating high-performing teams, with first class risk mitigation ingrained in the company culture. </li></ul> THE ACCOUNTABILITIES <ul> <li>Create, implement and enforce the enterprise risk management programme for JN Bank that ensures that the risk and control framework of the Bank are consistent with relevant laws, regulations, risk appetite, best practices and world class standards thereby fostering a culture of risk management. </li></ul> · Responsible for oversight, assessment, mitigation monitoring and reporting on the Banks Risk Management Programme. · Identify potential areas of risk, vulnerability and assess the severity of the potential risk. · Ensure strict adherence to global and local banking regulations (e.g., Basel frameworks), managing relationships with regulatory authorities. · Update the Bank’s Risk Registry as required and submit for approval to the Board Committee responsible. · Promote the implementation of best practice and world class standards in risk management. · Ensure accurate and timely reporting of risk breaches violations to the Managing Director and as warranted, to the appropriate regulatory authority. · Prepare real-time risk dashboards and crisis management plans for Executive Management, Shareholders, and the Board Risk Committee. · Commission risk assessments of high-risk areas, customers, products and or geographic locations to minimize risk exposure. · Follow up on internal and external audit issues relating to risk and coordinate with the affected department to ensure appropriate action is taken and all audit recommendations actioned. Ensure the resolution of internal audit points relevant to risk. · Promote and drive the delivery of risk procedures in JN Bank. · Work with relevant stakeholders to develop and deliver effective risk programmes including introductory training for new employees as well as ongoing training for existing employees and all directors. · Manage and update the Risk Departments Policies and Procedures Manual including obtaining necessary approvals for changes thereto. · Implement day-to-day monitoring and testing of the Bank’s operational functions with regulatory requirements and internal policies. · Act and as independent reviewer and evaluation body to ensure that risk issues are appropriately evaluated, investigated and resolved. · Advise the C-suite on risk-adjusted pricing, potential acquisitions, and new financial products. · Assist with the establishment of credit limits, assess borrower risk, and monitor the loan portfolio for potential defaults or economic downturns. · Serve on the Bank’s ALCO, Credit Committee, IT Security Committee and New Product Committee to ensure that regulatory requirements are adhered to and in compliance with internal policies. · Oversee the second line of defense by setting risk appetite, tolerance parameters, and robust risk management strategies. Qualifications & Requirements <ul> <li>Education: Advanced degree (Master's or MBA) in Finance, Economics, Accounting, Statistics or a related quantitative field. </li></ul> <ul> <li>Certifications: Professional designations such as FRM (Financial Risk Manager), CFA (Chartered Financial Analyst), or CRM (Certified Risk Manager) are typically preferred. </li></ul> <ul> <li>Experience: 7 -10 years of senior-level risk management experience within the banking or financial services sector. </li></ul> <ul> <li>Expertise: </li></ul> o Deep understanding of quantitative risk modeling, stress testing, and local regulatory law. o Sound knowledge of auditing and accounting practices and techniques. o Awareness of central banks or financial regulatory agencies risk assessment requirements. o Track record of stakeholder engagement through Board-level reporting and regulatory liaison activities. o A comprehensive knowledge of global risk management standards and financial industry regulatory rules. o A strong understanding of the industry landscape, including current trends and regulatory frameworks with the ability to align risk management strategies with business objectives. o Ability to connect risk appetite with organizational strategy, ensuring that risk management frameworks support the overall goals of the business. APPLICATION DEADLINE: OCTOBER 4, 2026

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