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Operational Risk Supervision

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Operational Risk Supervision at the OCC

The OCC identifies operational risk as one of the most significant risks facing the banking industry today. Operational risk is the broadest component of OCC’s supervisory framework, covering the risk of loss from information system failures and business disruptions, human error and fraud, business process and product design defects, and legal challenges. Although OCC has emphasized sound operations and internal controls throughout its supervisory history, the catastrophic failure of certain international banking firms in the 1990’s ushered in a new era where the industry and OCC began approaching operational risk as a standalone risk discipline.

The broad scope of operational risk provides a wide range of career opportunities for examiners. Coverage responsibilities include, but are not limited to:

  • Operational risk management concerns including bank operations and processes, management information systems,  payment systems risk management, fraud risk management, internal controls, financial reporting, physical security, insurance and insurable risk, and other bank operations.  
  • Operational risk measurement including Basel advanced approaches, Dodd-Frank Act stress testing, operational loss data processes, scenario analysis, and business environment and internal control factors.
  • Enterprise risk management including risk appetite setting, new products processes, risk reporting, internal and external audit, and litigation risk management.

If you have skills in any of these areas, with a proven ability to identify and resolve problems, you should consider a career in operational risk supervision with the OCC.

Opportunity: Operational Risk Bank Examiner

The OCC provides opportunities for operational risk specialists in Large Bank Supervision, Midsize and Community Bank Supervision, and in the Headquarters policy area known as the Chief National Bank Examiner’s Office (CNBE). Each of these opportunities requires a different level of expertise and specialization within the operational risk spectrum. Large banks supervised by the OCC generally have assets of $50 billion to $3 trillion, with on-site examination teams in cities across the country. OCC supervises midsize and community banks with assets up to $50 billion from examination teams located in field offices across the country. The CNBE develops and issues guidance and supervisory policies to address sound practices and emerging risks, as well as compliance with applicable laws and regulations. The CNBE also interacts with the other federal banking agencies to develop consistent examination procedures and supervisory approaches.

Whether you are actively seeking a career change, or are content with your current position, you owe it to yourself to discover whether a career in operational risk supervision is right for you.

Meet Our People


Gregory National Bank Examiner Cleveland, Ohio
Julie Assistant Deputy Comptroller Philadelphia, Pa.
Brittany Associate National Bank Examiner Washington, D.C.
Larry Associate National Bank Examiner Washington, D.C.
Kathy National Bank Examiner Houston, Texas
Jose Associate National Bank Examiner Glendale, Calif.