Risk Management Consultant Jobs for OPT Students
Risk Management Consultant roles qualify for OPT work authorization when the position requires a degree in finance, statistics, economics, or a related field. STEM OPT extension eligibility depends on your specific degree classification. Most employers in banking, insurance, and consulting hire OPT candidates, though timelines matter when your authorization window is limited.
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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 as a Risk Management Consultant
Target employers with established OPT hiring pipelines
Large banks, insurance carriers, and Big Four consulting firms file LCAs regularly and have HR teams familiar with OPT work authorization. Smaller firms may be willing but lack the internal process, which creates delays you can't afford on a tight OPT timeline.
Confirm your degree qualifies as a specialty occupation
Risk Management Consultant roles require a degree in finance, economics, statistics, mathematics, or a related quantitative field. A general business degree may not satisfy the specialty occupation requirement depending on the employer's job description, so verify the alignment before applying.
Flag your STEM OPT eligibility early in conversations
If your degree is classified under a STEM CIP code, you're eligible for a 24-month extension. Mentioning this upfront removes a major hiring objection. Many employers don't realize STEM OPT extends their timeline significantly before any H-1B decision is required.
Apply before your OPT start date whenever possible
Employers hiring for risk roles at banks and consulting firms often run multi-stage interview processes lasting six to ten weeks. Starting your search three to four months before your OPT authorization begins gives you enough runway to clear interviews and complete onboarding paperwork.
Emphasize quantitative and regulatory skills in your application
Risk roles require demonstrated proficiency in credit risk modeling, market risk frameworks, or regulatory compliance like Basel III or CCAR. Specific technical skills reduce employer hesitation about sponsorship because they signal that your expertise justifies the administrative effort involved.
Ask directly about the firm's H-1B sponsorship history
During final-round interviews, ask whether the firm has sponsored H-1B visas for this role before. Firms with a track record are far safer bets than those sponsoring for the first time. This one question can save months of wasted effort chasing the wrong opportunity.
Risk Management Consultant jobs are hiring across the US. Find yours.
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Get Access To All JobsFrequently Asked Questions
Do Risk Management Consultant jobs qualify for OPT work authorization?
Yes. Risk Management Consultant positions typically qualify for OPT because they require a bachelor's degree or higher in a directly related field such as finance, economics, statistics, or mathematics. The role must constitute a specialty occupation, meaning the position genuinely requires that specific degree rather than accepting any bachelor's degree regardless of field.
Am I eligible for the STEM OPT extension as a Risk Management Consultant?
It depends on your degree's CIP code classification, not the job title. If your degree in finance, statistics, mathematics, or a related quantitative discipline is classified under an approved STEM CIP code, you qualify for a 24-month extension beyond your initial 12 months of OPT. Check your DSO and your program's CIP code to confirm before applying to roles.
Which types of employers are most likely to hire Risk Management Consultants on OPT?
Large financial institutions, insurance carriers, management consulting firms, and regulatory advisory companies hire risk management professionals on OPT most consistently. These employers file LCAs regularly and have HR teams experienced with work authorization requirements. You can browse verified OPT-friendly employers in this space on Migrate Mate, which filters job listings by sponsorship history.
What happens to my OPT status if my Risk Management Consultant contract ends early?
You have a 60-day grace period after your employment ends during which you can search for a new position. That grace period does not reset your overall OPT clock. If you're on STEM OPT, your employer must also report your termination through the E-Verify portal within five business days, which your DSO will then report in SEVIS.
Can I work as an independent consultant or on a contract basis under OPT?
Yes, OPT permits self-employment and contract work in your field of study, but you must be able to document that the work is directly related to your degree. For risk management, this means maintaining records of each engagement, the scope of work, and how it connects to your academic training. Keep this documentation current in case your DSO requests it.
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