Risk
Across our Risk departments, we have to be absolutely certain that every product we put on the market balances risk with reward. We are responsible
for managing principle risk types for the business, which includes credit, market, liquidity, regulatory, operational and financial crime risks. Excellent
risk management is a fundamental banking requirement and that is true now more than ever. Without a doubt, it's an exciting environment that will give you
the scope to learn, develop and progress.
There are various areas within Risk, including Credit Risk, which encompasses Unsecured Credit Risk, Decision Science, Risk Technology,
Secured Credit Risk and Central Credit Risk. Teams ensure that lending decisions provide the Bank with the right level of reward in relation to the risk
taken. In Business Risk, we manage the regulatory change agenda, helping to ensure compliance with the principles set by the regulators, to ensure our
customers are treated fairly. In addition, the Financial Crime team supports the business in managing Fraud, Anti-Money Laundering and Conflicts of Interest issues.
In Asset and Liability Management (ALM), we manage the market risk exposures – the potential loss in value or earnings relating
to interest rates, foreign exchange rates, commodities and equities.
Our Risk teams are based in Halifax, Leeds, Cardiff, Edinburgh and Wolverhampton.
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