Enterprise Risk Management Jobs for OPT Students
Enterprise Risk Management jobs are a strong fit for F-1 OPT students with degrees in finance, business, or quantitative fields. Most roles qualify as STEM OPT extensions under CIP codes like 52.0801, giving you up to 36 months of authorized work to build a compliance or risk career in the U.S.
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Get Access To All JobsWe’ve Got You Under Our Wing
We are the duck. We develop and empower our people, cultivate relationships, give back to our community, and celebrate every success along the way. We do it all… The Aflac Way. Aflac, a Fortune 500 company, is an industry leader in voluntary insurance products that pay cash directly to policyholders and one of America's best-known brands. Aflac has been recognized as Fortune’s 50 Best Workplaces for Diversity and as one of World’s Most Ethical Companies by Ethisphere.com. Our business is about being there for people in need. So, ask yourself, are you the duck? If so, there’s a home, and a flourishing career for you at Aflac.
Worker Designation
This role is hybrid. This means you will be expected to report to one of our Aflac offices located in Columbus, GA for at least 60% of the work week. You will work from your home (within the continental US) for the remaining portion of the work week. Details of this schedule will be discussed with your leadership.
What does it take to be successful at Aflac?
- Acting with Integrity
- Communicating Effectively
- Pursuing Self-Development
- Serving Customers
- Supporting Change
- Supporting Organizational Goals
- Working with Diverse Populations
What does it take to be successful in this role?
- Excellent analytical, problem solving, and research skills
- Solid knowledge and understanding of risk management frameworks
- Strong Microsoft Excel, PowerPoint, and Word skills
- Excellent presentation, oral, written, and interpersonal communications skills to effectively interact with all levels of management; ability to maintain professionalism
- Ability to collaborate with business unit customers, business partners, and all levels of leadership to deliver results
- Ability to lead and work on multiple projects in a time constrained environment
Enterprise Risk Management Competencies
- Technical Knowledge & Skill - Performs data analysis with minimal supervision and direction. Possesses advanced analytical skills and mature knowledge of risk concepts and processes. Often provides suggestions on new/improved processes. Begins to coach others.
- Communication - Clearly conveys information & ideas to individuals & groups through a variety of communication methods. Listens effectively & able to clarify & synthesize information from multiple sources. Chooses an appropriate & effective way to communicate to different audiences in diverse situations.
- Personal Effectiveness & Development - Displays self awareness & conscious of the implications of interactions with others; takes personal responsibility for improving oneself through use of resources.
- Impact - Takes pride in your work & strives for excellence to achieve the best possible results for the company. Brings value to the company through ideas and work product.
- Teamwork - Establishes & maintains respectful, cooperative, collaborative, & productive working relationships with informal & formal teams to accomplish goals.
- Business Knowledge & Acumen - Maturing knowledge of the business. Begins to mentor/advise others on business practices. Frequently suggests new ways of performing tasks based on previous experience. Knows key stakeholders and organizational hierarchy.
- Project Management - Effectively leads projects independently, however, seeks partnerships and direction from manager and others. Begins to mentor others in the competency. Ability to suggest changes and improvements to processes.
- Influencing - Interprets business and technical data in a way that influences key decision makers/stakeholders. Participates in and occasionally leads discussions in order to drive key business decisions. Begins to show ability to build consensus among a group in order to achieve objectives.
- Decision Making - Understands impact of data on business decisions and raises concerns in a timely manner. Ability to make effective business decisions with minimal guidance from manager and others. Begins to inform others to guide decision making.
- Values Driven - Interacts with others in a way that gives them confidence in one's intentions. Listens with respect and objectivity even when others' opinions conflict with one's own. Adheres to standards of professional conduct.
- Talent Management & Development - Effectively coaches peers or subordinates; delegates work appropriately; helps develop team capabilities and shares knowledge; builds positive relationships.
Education & Experience Required
- Bachelor's Degree in Risk Management, Actuarial Science, Business Management, Finance, Accounting, Economics, or a related business discipline
- 6 years of professional risk management related experience with demonstrated proficiency and understanding of the principles of enterprise risk management
- Or an equivalent combination of education and experience
Education & Experience Preferred
- MBA
- Certified Risk Manager (CRM), Associate in Risk Management (ARM), Certified Risk Management Professional (RIMS-CRMP), Financial Risk Manager (FRM), Project Management Professional (PMP) or other risk/project management or financial designation
- Insurance or Financial Services Industry
Travel
Less than or equal to 10%
Principal Duties & Responsibilities
- Works closely with management to facilitate the organization's ERM process and serves as a business-focused, value-added partner to the business units to support 1st Line of Defense and 2nd Line of Defense activities to mature enterprise risk management programs.
- Plans and leads annual and ad-hoc risk assessments across the organization, collaborating with local risk teams where appropriate.
- Works, as appropriate, with ERM Program leads, business unit and function leaders, internal audit, and compliance to enhance identification, assessment, monitoring and reporting for ERM programs by gathering data and assisting in the development of risk reports.
- Coordinates and leads initiatives regarding enterprise risk policies and practices; analyzes with the local risk teams (including Japan ERM, USRM, GIRM) to ensure a cohesive and complimentary structure is maintained and communication is consistent across Aflac U.S., GI and Aflac Japan ERM policies and procedures.
- Provides oversight ensuring that appropriate internal controls and practices are in place within business units to ensure compliance with risk policies.
- May actively participate on various Aflac risk committees or represents risk on other committees; may serve as coordinator or secretary for risk committees where needed.
- Actively participates on cross-functional working groups covering multiple risks areas such as operational risk (i.e. model risk, third-party risk, compliance risk, etc.), market risk, credit risk, insurance, strategic risk or other project related risks.
- May develop an annual Own Risk and Solvency Assessment (ORSA) and summary report, preparing periodic summary and comprehensive reports on the company's key risks, reviewing and updating company policies and procedures, and proactively researching and monitoring the industry for trends, risk related strategies, and potential improvement.
- Leads the analysis of risk events, including the identification of the root cause that has led to their occurrence and helps to develop a remediation plan; evaluates existing risk measurement methodologies and presents results and recommendations to management.
- Provides oversight ensuring that appropriate internal controls and practices are in place within business units to ensure compliance with risk policies.
- Leads efforts and/or gathers risk management data, where appropriate, for risks facing the organization in order to communicate to senior management.
- Assists analysts and business units with the development of risk metrics, limits, and tolerances for key risks by recommending best practices and providing education, training, etc.
- Works closely with other areas of Aflac to embed a culture of risk management practices and problem-solving; recommends best practices and leads initiatives to communicate; solves complex problems; takes a broad perspective to identify solutions.
- May leverage current industry best practices to understand Climate and ESG risks, and work to identify and implement continuous program improvement opportunities.
- Builds effective working relationships with the key business stakeholders and risk owners; serves as a risk management advisor on key projects/initiatives and provides risk management education to the business units.
- Serves as a resource for less-experienced team members using broad knowledge, experience and tools to assist in the attainment of department/organizational goals.
- Performs other related duties as required.
We’ve Got You Under Our Wing
We are the duck. We develop and empower our people, cultivate relationships, give back to our community, and celebrate every success along the way. We do it all… The Aflac Way. Aflac, a Fortune 500 company, is an industry leader in voluntary insurance products that pay cash directly to policyholders and one of America's best-known brands. Aflac has been recognized as Fortune’s 50 Best Workplaces for Diversity and as one of World’s Most Ethical Companies by Ethisphere.com. Our business is about being there for people in need. So, ask yourself, are you the duck? If so, there’s a home, and a flourishing career for you at Aflac.
Worker Designation
This role is hybrid. This means you will be expected to report to one of our Aflac offices located in Columbus, GA for at least 60% of the work week. You will work from your home (within the continental US) for the remaining portion of the work week. Details of this schedule will be discussed with your leadership.
What does it take to be successful at Aflac?
- Acting with Integrity
- Communicating Effectively
- Pursuing Self-Development
- Serving Customers
- Supporting Change
- Supporting Organizational Goals
- Working with Diverse Populations
What does it take to be successful in this role?
- Excellent analytical, problem solving, and research skills
- Solid knowledge and understanding of risk management frameworks
- Strong Microsoft Excel, PowerPoint, and Word skills
- Excellent presentation, oral, written, and interpersonal communications skills to effectively interact with all levels of management; ability to maintain professionalism
- Ability to collaborate with business unit customers, business partners, and all levels of leadership to deliver results
- Ability to lead and work on multiple projects in a time constrained environment
Enterprise Risk Management Competencies
- Technical Knowledge & Skill - Performs data analysis with minimal supervision and direction. Possesses advanced analytical skills and mature knowledge of risk concepts and processes. Often provides suggestions on new/improved processes. Begins to coach others.
- Communication - Clearly conveys information & ideas to individuals & groups through a variety of communication methods. Listens effectively & able to clarify & synthesize information from multiple sources. Chooses an appropriate & effective way to communicate to different audiences in diverse situations.
- Personal Effectiveness & Development - Displays self awareness & conscious of the implications of interactions with others; takes personal responsibility for improving oneself through use of resources.
- Impact - Takes pride in your work & strives for excellence to achieve the best possible results for the company. Brings value to the company through ideas and work product.
- Teamwork - Establishes & maintains respectful, cooperative, collaborative, & productive working relationships with informal & formal teams to accomplish goals.
- Business Knowledge & Acumen - Maturing knowledge of the business. Begins to mentor/advise others on business practices. Frequently suggests new ways of performing tasks based on previous experience. Knows key stakeholders and organizational hierarchy.
- Project Management - Effectively leads projects independently, however, seeks partnerships and direction from manager and others. Begins to mentor others in the competency. Ability to suggest changes and improvements to processes.
- Influencing - Interprets business and technical data in a way that influences key decision makers/stakeholders. Participates in and occasionally leads discussions in order to drive key business decisions. Begins to show ability to build consensus among a group in order to achieve objectives.
- Decision Making - Understands impact of data on business decisions and raises concerns in a timely manner. Ability to make effective business decisions with minimal guidance from manager and others. Begins to inform others to guide decision making.
- Values Driven - Interacts with others in a way that gives them confidence in one's intentions. Listens with respect and objectivity even when others' opinions conflict with one's own. Adheres to standards of professional conduct.
- Talent Management & Development - Effectively coaches peers or subordinates; delegates work appropriately; helps develop team capabilities and shares knowledge; builds positive relationships.
Education & Experience Required
- Bachelor's Degree in Risk Management, Actuarial Science, Business Management, Finance, Accounting, Economics, or a related business discipline
- 6 years of professional risk management related experience with demonstrated proficiency and understanding of the principles of enterprise risk management
- Or an equivalent combination of education and experience
Education & Experience Preferred
- MBA
- Certified Risk Manager (CRM), Associate in Risk Management (ARM), Certified Risk Management Professional (RIMS-CRMP), Financial Risk Manager (FRM), Project Management Professional (PMP) or other risk/project management or financial designation
- Insurance or Financial Services Industry
Travel
Less than or equal to 10%
Principal Duties & Responsibilities
- Works closely with management to facilitate the organization's ERM process and serves as a business-focused, value-added partner to the business units to support 1st Line of Defense and 2nd Line of Defense activities to mature enterprise risk management programs.
- Plans and leads annual and ad-hoc risk assessments across the organization, collaborating with local risk teams where appropriate.
- Works, as appropriate, with ERM Program leads, business unit and function leaders, internal audit, and compliance to enhance identification, assessment, monitoring and reporting for ERM programs by gathering data and assisting in the development of risk reports.
- Coordinates and leads initiatives regarding enterprise risk policies and practices; analyzes with the local risk teams (including Japan ERM, USRM, GIRM) to ensure a cohesive and complimentary structure is maintained and communication is consistent across Aflac U.S., GI and Aflac Japan ERM policies and procedures.
- Provides oversight ensuring that appropriate internal controls and practices are in place within business units to ensure compliance with risk policies.
- May actively participate on various Aflac risk committees or represents risk on other committees; may serve as coordinator or secretary for risk committees where needed.
- Actively participates on cross-functional working groups covering multiple risks areas such as operational risk (i.e. model risk, third-party risk, compliance risk, etc.), market risk, credit risk, insurance, strategic risk or other project related risks.
- May develop an annual Own Risk and Solvency Assessment (ORSA) and summary report, preparing periodic summary and comprehensive reports on the company's key risks, reviewing and updating company policies and procedures, and proactively researching and monitoring the industry for trends, risk related strategies, and potential improvement.
- Leads the analysis of risk events, including the identification of the root cause that has led to their occurrence and helps to develop a remediation plan; evaluates existing risk measurement methodologies and presents results and recommendations to management.
- Provides oversight ensuring that appropriate internal controls and practices are in place within business units to ensure compliance with risk policies.
- Leads efforts and/or gathers risk management data, where appropriate, for risks facing the organization in order to communicate to senior management.
- Assists analysts and business units with the development of risk metrics, limits, and tolerances for key risks by recommending best practices and providing education, training, etc.
- Works closely with other areas of Aflac to embed a culture of risk management practices and problem-solving; recommends best practices and leads initiatives to communicate; solves complex problems; takes a broad perspective to identify solutions.
- May leverage current industry best practices to understand Climate and ESG risks, and work to identify and implement continuous program improvement opportunities.
- Builds effective working relationships with the key business stakeholders and risk owners; serves as a risk management advisor on key projects/initiatives and provides risk management education to the business units.
- Serves as a resource for less-experienced team members using broad knowledge, experience and tools to assist in the attainment of department/organizational goals.
- Performs other related duties as required.
How to Get Visa Sponsorship in Enterprise Risk Management
Lead with your quantitative credentials
ERM teams hire for analytical rigor. Highlight coursework or projects in statistics, financial modeling, or data analysis. Employers screening OPT candidates want proof you can handle risk frameworks, not just theoretical exposure to them.
Target STEM OPT-eligible degree paths
Finance, mathematics, and management information systems degrees typically qualify for the 36-month STEM OPT extension. Confirm your CIP code with your DSO before applying, so you can honestly communicate your full authorization window to hiring managers.
Pursue relevant certifications early
FRM or PRM certification candidates stand out even before passing. Studying for a recognized risk credential signals commitment to the field and compensates for visa-related hesitation, making OPT status feel like a smaller factor to risk-conscious hiring teams.
Target financial services and large enterprises first
Banks, insurance companies, and multinational corporations have dedicated ERM functions and established OPT and H-1B sponsorship processes. Smaller firms often lack the infrastructure to support visa transitions, so prioritize employers with compliance and legal teams already in place.
Use Migrate Mate to find OPT-friendly ERM roles
Browse Enterprise Risk Management roles on Migrate Mate, which filters specifically for employers open to sponsoring OPT students. Applying through a curated list saves time and keeps your applications focused on companies prepared to support your visa status.
Enterprise Risk Management jobs are hiring across the US. Find yours.
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Get Access To All JobsFrequently Asked Questions
Do Enterprise Risk Management jobs qualify for the STEM OPT extension?
Many do, but it depends on your degree, not the job title. Degrees in finance, mathematics, statistics, or management information systems often carry STEM-designated CIP codes that qualify you for the 24-month extension beyond your initial 12-month OPT period. Confirm your specific CIP code with your DSO before accepting an offer, since your school's designation determines eligibility, not your employer's industry.
What types of employers hire ERM professionals and sponsor OPT students?
Large financial institutions, insurance companies, consulting firms, and multinational corporations are the most consistent sources of ERM roles that accommodate OPT work authorization. These organizations have established HR and legal infrastructure to manage visa timelines. You can browse OPT-friendly ERM openings directly on Migrate Mate, which surfaces employers already prepared to work with F-1 students.
How should I explain my OPT authorization to a risk management hiring team?
Be direct and specific. Tell them your current OPT end date, whether your degree qualifies for a STEM extension, and that H-1B sponsorship would be required before your authorization expires. Risk teams value precision, so a clear, factual explanation of your timeline builds credibility rather than raising concerns. Vague answers about your status are far more damaging than an honest conversation about dates.
Is Enterprise Risk Management considered a specialty occupation for H-1B purposes?
ERM roles generally qualify as specialty occupations because they require at least a bachelor's degree in a specific field such as finance, economics, or a quantitative discipline. Roles with titles like Risk Analyst, Credit Risk Manager, or Operational Risk Consultant have strong H-1B approval histories. Your employer will need to document the degree requirement when filing, so keeping your academic credentials aligned with your job duties matters.
Can I work in ERM on OPT if my degree is in a non-business field like engineering or data science?
Yes, as long as the role is directly related to your degree field, which OPT rules require. ERM increasingly relies on data science, machine learning, and systems thinking, so an engineering or data science background can be a genuine advantage in quantitative risk roles. The connection between your major and your job duties should be clear and defensible, particularly if your DSO or USCIS ever reviews your employment record.
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