Role Description Join us to drive second-line oversight and challenge of Zip's enterprise issue and incident management framework, partnering with business stakeholders and regional risk teams to drive effective incident analysis, root cause identification, remediation oversight, lessons learned, and governance reporting that strengthens the organization's overall risk and control environment. - Support second-line oversight and challenge throughout the issue and incident lifecycle, ensuring alignment with Group Risk standards and governance requirements. - Support business stakeholders and regional risk colleagues to strengthen and mature Zip’s enterprise issue and incident management framework. - Review, assess, and challenge incident classifications, impact assessments, root cause analyses, and remediation plans to support consistent enterprise-wide practices. - Facilitate timely escalation of material incidents and emerging risk themes to senior leadership and governance forums. - Analyze incident trends, control failures, and recurring themes and provide insights to identify systemic risks and opportunities for control enhancement. - Support incident investigations, ensuring root causes are appropriately identified and documented, and corrective actions address underlying risk drivers. - Monitor remediation activities through closure, providing independent challenge and validation of action effectiveness. - Lead and coordinate post-incident reviews and lessons learned activities to drive continuous improvement across processes, controls, and risk management practices. - Develop and enhance management information, metrics, and governance reporting that provide meaningful insight into issue and incident trends, remediation progress, and risk exposure. - Leverage AI-enabled tools and data analysis techniques to support incident investigations, identify emerging risk themes, and improve the quality and efficiency of risk reporting. - Evaluate opportunities to enhance issue and incident management processes through automation, analytics, and responsible use of AI-powered productivity tools. Qualifications - 5+ years of experience in operational risk, enterprise risk management, issue management, incident management, compliance, audit, or a related second-line risk function within a regulated environment. - Demonstrated experience managing or overseeing issue and incident management frameworks, including root cause analysis, remediation oversight, and lessons learned activities. - Strong understanding of enterprise risk management frameworks and core risk disciplines, including RCSAs, risk appetite frameworks, risk taxonomy, controls assessment, and governance reporting. - Experience conducting incident reviews, investigations, and control failure analysis with the ability to identify underlying systemic risks. - Proven ability to provide effective challenges and influence stakeholders across all levels of the organization. - Experience developing risk reporting, key risk indicators, and governance materials for senior management and executive committees. - Strong analytical and problem-solving capabilities with the ability to synthesize complex information into actionable insights. - Experience working across multiple business functions and regions in a fast-paced and evolving environment. - Demonstrated ability to effectively use AI-powered productivity and analysis tools to improve research, reporting, documentation, and operational efficiency. - Curiosity and willingness to adopt emerging technologies, including AI-enabled solutions, while applying appropriate risk management and governance considerations. - Experience using data analytics, automation, or AI-assisted tools to support risk analysis, investigations, reporting, or decision-making is preferred. Benefits - Flexible working culture - Incentive programs - Unlimited PTO - Generous paid parental leave - Leading family support policies - Company-sponsored 401k match - Learning and wellness subscription stipend - Beautiful Union Square office with a casual dress code - Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available

• Own end-to-end P&L for the eastern region • Lead, develop, and set clear performance expectations for a team of two state managers • Define and continuously refine pricing strategies and risk frameworks for eastern states • Present pricing and risk insights to executive leadership and regulatory bodies • Build and maintain regional dashboards and risk KPIs • Own regulatory modeling and compliance strategy for the eastern region • Apply AI and data tools to surface emerging risk patterns • Drive a continuous state optimization discipline across the eastern region • Lead cross-functional problem solving on complex regional challenges

At PwC, our people in risk and compliance focus on maintaining regulatory compliance and managing risks for clients, providing advice, and solutions. They help organisations navigate complex regulatory landscapes and enhance their internal controls to mitigate risks effectively. Those in enterprise risk management at PwC will focus on identifying and mitigating potential risks that could impact an organisation's operations and objectives. You will be responsible for developing business strategies to effectively manage and navigate risks in a rapidly changing business environment. Growing as a strategic advisor, you leverage your influence, expertise, and network to deliver quality results. You motivate and coach others, coming together to solve complex problems. As you increase in autonomy, you apply sound judgment, recognising when to take action and when to escalate. You are expected to solve through complexity, ask thoughtful questions, and clearly communicate how things fit together. Your ability to develop and sustain high performing, diverse, and inclusive teams, and your commitment to excellence, contributes to the success of our Firm. Examples of the skills, knowledge, and experiences you need to lead and deliver value at this level include but are not limited to: - Craft and convey clear, impactful and engaging messages that tell a holistic story. - Apply systems thinking to identify underlying problems and/or opportunities. - Validate outcomes with clients, share alternative perspectives, and act on client feedback. - Direct the team through complexity, demonstrating composure through ambiguous, challenging and uncertain situations. - Deepen and evolve your expertise with a focus on staying relevant. - Initiate open and honest coaching conversations at all levels. - Make difficult decisions and take action to resolve issues hindering team effectiveness. - Model and reinforce professional and technical standards (e.g. refer to specific PwC tax and audit guidance), the Firm's code of conduct, and independence requirements. The Opportunity As a Risk Management - Contract Specialist - Managed Services - Senior Manager, you will lead initiatives in enterprise risk management, focusing on business continuity, risk model implementation, and regulatory management. You will play a pivotal role in identifying and mitigating risks, confirming that operations and core business functions remain resilient against unforeseen disruptions. As a Senior Manager, you will leverage your strategic advising skills and influence to drive project success and maintain operational excellence. You will be responsible for developing high-performing teams, solving complex problems, and applying sound judgment to make informed decisions. Your role will involve crafting clear and impactful messages, validating outcomes with stakeholders, and fostering a culture of continuous improvement. As a contract specialist, you will negotiate risk, legal, and commercial terms in services contracts with PwC's clients (sell-side contracts, not procurement). Contract Specialists collaborate with R&I risk management and PwC business teams to (1) evaluate contract and related performance risks, (2) educate stakeholders and clients on contract provisions, (3) redline/negotiate contracts with clients' procurement, legal and outside counsel, and (4) develop internal controls to establish and reinforce contract compliance. In this role, you will collaborate across diverse teams to implement risk management frameworks and enhance business processes, driving firm success through innovation, large-scale leadership, and strategic guidance in a dynamic environment that builds your expertise and strengthens your ability to represent PwC. Responsibilities - Manage contract reviews and support engagement planning by applying risk management frameworks and governance considerations that strengthen delivery and contract compliance - Drive sell-side services contract negotiations by redlining and negotiating risk, legal, and commercial terms directly with clients' procurement, legal, and outside counsel - Collaborate with R&I risk management and PwC business teams to identify, assess, and mitigate contract, operational, and performance risks across managed services engagements - Translate contract provisions and risk positions into clear guidance by educating stakeholders and clients, enabling effective execution and proactive issue prevention - Establish and enhance internal controls and contract compliance processes to promote consistent delivery, reduce exposure, and confirm adherence to negotiated terms - Lead contract risk alignment and governance across engagements by applying sound judgment to drive timely stakeholder decisions, documenting positions and approvals, and maintaining clear audit trails throughout the contract lifecycle What You Must Have - At least a High School Diploma - At least 6 years of experience What Sets You Apart - Juris Doctorate degree preferred - Leading the substantive negotiation of complex commercial contracts; - Reviewing and redlining detailed risk, legal, and commercial contract terms; - Understanding of managed services offerings and related contract terms and conditions, performance metrics, and experience with (1) finance managed services - payroll, accounting, reporting, treasury and broader finance and accounting operations, (2) technology managed services - IT infrastructure, cloud, data analytics, application delivery maintenance application managed services, (3) cyber managed services, or (4) risk & regulatory managed services - regulatory compliance and enterprise risk programs; - Exercising an entrepreneurial, problem-solving mentality and autonomy in managing contract negotiations; - Explaining contract terms and positions in a collaborative manner to both internal stakeholders and external contract parties; - Driving process improvement by analyzing current contracting approaches and processes and improving contracting efficiency and overall experience The salary range for this position is: $91,000 - $321,500. Actual compensation within the range will be dependent upon the individual's skills, experience, qualifications and location, and applicable employment laws. All hired individuals are eligible for an annual discretionary bonus. PwC offers a wide range of benefits, including medical, dental, vision, 401k, holiday pay, vacation, personal and family sick leave, and more. To view our benefits at a glance, please visit the following link: https://pwc.to/benefits-at-a-glance As PwC is an equal opportunity employer, all qualified applicants will receive consideration for employment at PwC without regard to race; color; religion; national origin; sex (including pregnancy, sexual orientation, and gender identity); age; disability; genetic information (including family medical history); veteran, marital, or citizenship status; or, any other status protected by law. PwC does not intend to hire experienced or entry level job seekers who will need, now or in the future, PwC sponsorship through the H-1B lottery, except as set forth within the following policy: https://pwc.to/H-1B-Lottery-Policy. Learn more about how we work: https://pwc.to/how-we-work For only those qualified applicants that are impacted by the Los Angeles County Fair Chance Ordinance for Employers, the Los Angeles' Fair Chance Initiative for Hiring Ordinance, the San Francisco Fair Chance Ordinance, San Diego County Fair Chance Ordinance, and the California Fair Chance Act, where applicable, arrest or conviction records will be considered for Employment in accordance with these laws. At PwC, we recognize that conviction records may have a direct, adverse, and negative relationship to responsibilities such as accessing sensitive company or customer information, handling proprietary assets, or collaborating closely with team members. We evaluate these factors thoughtfully to establish a secure and trusted workplace for all. Applications will be accepted until the position is filled or the posting is removed, unless otherwise set forth on the following webpage. Please visit this link for information about anticipated application deadlines: https://pwc.to/us-application-deadlines

• Evaluate and approve new and renewal wholesale and correspondent accounts, ensuring all documentation and financials meet company standards. • Conduct due diligence reviews, including licensing, entity verification, KYC, credit reports, financial statements, insurance, and operational history. • Monitor and address sanctions alerts related to brokers, loan officers and correspondent lenders; ensure resolution aligns with compliance standards. • Collaborate with onboarding and sales teams to support wholesale and correspondent lifecycle management, from application to renewal. • Help tailor risk mitigation strategies such as refine and re-evaluate approval standards and ongoing monitoring protocols. • Extract and analyze reports using Surge, Excel, and other internal systems to maintain updated status trackers and dashboards. • Send wholesale and correspondent Agreements via DocuSign, track completions and modifications to agreements, and maintain compliance records. • Provide ongoing support to Account Executives and Sales Managers, including outreach, training reminders, and renewal communications. • Assist with audit and exam requests regarding Counterparty Risk • Provide updates to Leadership, at decided upon cadence, regarding application and renewal activity. • Provide technical assistance to Wholesale and Correspondent applicants needing assistance with initial or renewal applications. • Perform additional wholesale and correspondent related tasks and account maintenance duties as needed. • Demonstrate conduct and decision-making that reflect Newfi’s core values and culture.