Risk Management Director Jobs in Ohio
Risk Management Director jobs in Ohio are in steady demand, concentrated in financial services, insurance, healthcare, and manufacturing sectors, with openings at every level from newly promoted managers to senior enterprise risk leaders. Columbus, Cleveland, and Cincinnati account for the largest share of postings, where established employers like Nationwide, KeyCorp, and Fifth Third Bancorp maintain significant risk management functions. Enterprise risk management, compliance-integrated risk programs, and operational risk oversight are the most sought-after specialties across Ohio hiring. Find a role that fits below and apply directly.
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The Risk Management Principal for the Spending Account Card Program is responsible for designing, implementing, auditing, and governing the fraud risk management framework for Humana's Spending Account Card Program. You will identify and mitigate fraud, financial, operational, and compliance risks while providing independent oversight of delegated vendors.The Risk Management Principal develops program strategy, policies, audit methodologies, and financial controls that strengthen program integrity and reduce loss exposure. This role balances long-term program development with tactical issue resolution, addressing immediate risks while implementing sustainable solutions to prevent recurrence.
The Risk Management Principal establishes and maintains the counter fraud strategy, governance framework, and financial integrity oversight model for the Spending Account Card Program. You will develop fraud risk policies, procedures, controls, audit programs, and monitoring processes designed to prevent fraud, waste, abuse, and financial loss.
Serving as the primary fraud risk and financial audit resource for the program, you will perform complex financial reviews, vendor audits, control assessments, investigations, and root cause analyses. The Risk Management Principal evaluates financial transactions, cardholder activity, vendor controls, and program expenditures to ensure compliance with contractual, regulatory, and organizational requirements.
You will provide independent oversight of delegated vendors, validating the effectiveness of fraud controls, financial controls, operational processes, and corrective actions. This position identifies control weaknesses, drives remediation efforts, and implements sustainable control improvements.
The Risk Management Principal maintains an understanding of applicable regulatory requirements, industry standards, and contractual obligations affecting spending account card programs. You will research, interpret, and apply regulatory guidance to emerging business issues while providing sound risk-based recommendations and decision support to leadership and business partners.
While responsible for strategic program development, the Risk Management Principal must also address new fraud, operational, and financial risks. You will lead tactical issue management efforts, coordinate investigations and corrective actions while focusing on eliminating causes and preventing future occurrences.
Key Responsibilities
Develop and maintain the counter fraud strategy and operating model for the Spending Account Card Program
Design and implement fraud risk governance, policies, procedures, and controls
Conduct fraud risk assessments and identify emerging threats, vulnerabilities, and control gaps
Perform financial, operational, and fraud-focused audits of program activities and delegated vendors
Validate financial accuracy, reconciliation processes, control effectiveness, and program expenditures
Provide oversight and challenge of delegated vendors' fraud prevention, detection, investigation, and recovery activities
Lead root cause analysis of fraud events, financial losses, process failures, and control breakdowns
Drive corrective actions and sustainable control improvements that reduce future risk
Monitor regulatory developments and conduct regulatory research to support risk-based business decisions
Establish reporting, monitoring, key risk indicators, and performance metrics
Partner with Compliance, Finance, Legal, Enterprise Risk, and Operational leaders to strengthen program integrity
Present audit findings, fraud risks, and strategic recommendations to senior leadership
Support regulatory examinations, audits, and enterprise risk management initiatives
Serve as the primary subject matter expert for fraud risk management related to spending account card products.
Use your skills to make an impact
Required Qualifications
Bachelor's Degree
10+ years of experience in fraud risk management, auditing, investigations, financial integrity, compliance, accounting, or enterprise risk management
Certified Fraud Examiner (CFE)
Experience conducting financial, operational, vendor, or fraud-focused audits
Experience developing policies, controls, governance frameworks, and monitoring programs
Experience overseeing third-party vendors and delegated service providers
Strong knowledge of fraud risk management, financial controls, auditing principles, and root cause analysis
Demonstrated ability to quickly research, interpret, and apply complex regulatory, contractual, and compliance requirements and make sound risk-based recommendations
Proven ability to influence senior leaders and lead complex cross-functional initiatives
Excellent written and verbal communication skills with prior experience presenting to senior leaders
Preferred Qualifications
Certified Public Accountant (CPA)
Master's Degree in Accounting, Finance, Business Administration, Risk Management, Criminal Justice, or related field.
Experience with healthcare payments, supplemental benefits, spending account cards, prepaid card programs, or financial services
Experience supporting Medicare Advantage supplemental benefits and delegated vendor oversight
Certified Internal Auditor (CIA), Certified Anti-Money Laundering Specialist (CAMS), or similar professional designation
Experience leading large-scale remediation and control enhancement initiatives
Experience supporting regulatory audits, examinations, or enterprise risk management programs
Travel: While this is a remote position, occasional travel to Humana's offices for training or meetings may be required.
Scheduled Weekly Hours
Pay Range
The compensation range below reflects a good faith estimate of starting base pay for full time (40 hours per week) employment at the time of posting. The pay range may be higher or lower based on geographic location and individual pay will vary based on demonstrated job related skills, knowledge, experience, education, certifications, etc.$166,700 - $229,200 per year
This job is eligible for a bonus incentive plan. This incentive opportunity is based upon company and/or individual performance.
Description of Benefits
Humana, Inc. and its affiliated subsidiaries (collectively, “Humana”) offers competitive benefits that support whole-person well-being. Associate benefits are designed to encourage personal wellness and smart healthcare decisions for you and your family while also knowing your life extends outside of work. Among our benefits, Humana provides medical, dental and vision benefits, 401(k) retirement savings plan, time off (including paid time off, company and personal holidays, paid parental and caregiver leave), short-term and long-term disability, life insurance and many other opportunities.
About Us
About Humana: Humana Inc. (NYSE: HUM) is a leading U.S. healthcare company. Through our Humana insurance services and our CenterWell healthcare services, we make it easier for the millions of people we serve to achieve their best health – delivering the care and service they need, when they need it. These efforts are leading to a better quality of life for people with Medicare and Medicaid, families, individuals, military service personnel, and communities at large. Learn more about what we offer at Humana.com and at CenterWell.com.
Equal Opportunity Employer
It is the policy of Humana not to discriminate against any employee or applicant for employment because of race, color, religion, sex, sexual orientation, gender identity, national origin, age, marital status, genetic information, disability or protected veteran status. It is also the policy of Humana to take affirmative action, in compliance with Section 503 of the Rehabilitation Act and VEVRAA, to employ and to advance in employment individuals with disability or protected veteran status, and to base all employment decisions only on valid job requirements. This policy shall apply to all employment actions, including but not limited to recruitment, hiring, upgrading, promotion, transfer, demotion, layoff, recall, termination, rates of pay or other forms of compensation and selection for training, including apprenticeship, at all levels of employment.
Become a part of our caring community
The Risk Management Principal for the Spending Account Card Program is responsible for designing, implementing, auditing, and governing the fraud risk management framework for Humana's Spending Account Card Program. You will identify and mitigate fraud, financial, operational, and compliance risks while providing independent oversight of delegated vendors.The Risk Management Principal develops program strategy, policies, audit methodologies, and financial controls that strengthen program integrity and reduce loss exposure. This role balances long-term program development with tactical issue resolution, addressing immediate risks while implementing sustainable solutions to prevent recurrence.
The Risk Management Principal establishes and maintains the counter fraud strategy, governance framework, and financial integrity oversight model for the Spending Account Card Program. You will develop fraud risk policies, procedures, controls, audit programs, and monitoring processes designed to prevent fraud, waste, abuse, and financial loss.
Serving as the primary fraud risk and financial audit resource for the program, you will perform complex financial reviews, vendor audits, control assessments, investigations, and root cause analyses. The Risk Management Principal evaluates financial transactions, cardholder activity, vendor controls, and program expenditures to ensure compliance with contractual, regulatory, and organizational requirements.
You will provide independent oversight of delegated vendors, validating the effectiveness of fraud controls, financial controls, operational processes, and corrective actions. This position identifies control weaknesses, drives remediation efforts, and implements sustainable control improvements.
The Risk Management Principal maintains an understanding of applicable regulatory requirements, industry standards, and contractual obligations affecting spending account card programs. You will research, interpret, and apply regulatory guidance to emerging business issues while providing sound risk-based recommendations and decision support to leadership and business partners.
While responsible for strategic program development, the Risk Management Principal must also address new fraud, operational, and financial risks. You will lead tactical issue management efforts, coordinate investigations and corrective actions while focusing on eliminating causes and preventing future occurrences.
Key Responsibilities
Develop and maintain the counter fraud strategy and operating model for the Spending Account Card Program
Design and implement fraud risk governance, policies, procedures, and controls
Conduct fraud risk assessments and identify emerging threats, vulnerabilities, and control gaps
Perform financial, operational, and fraud-focused audits of program activities and delegated vendors
Validate financial accuracy, reconciliation processes, control effectiveness, and program expenditures
Provide oversight and challenge of delegated vendors' fraud prevention, detection, investigation, and recovery activities
Lead root cause analysis of fraud events, financial losses, process failures, and control breakdowns
Drive corrective actions and sustainable control improvements that reduce future risk
Monitor regulatory developments and conduct regulatory research to support risk-based business decisions
Establish reporting, monitoring, key risk indicators, and performance metrics
Partner with Compliance, Finance, Legal, Enterprise Risk, and Operational leaders to strengthen program integrity
Present audit findings, fraud risks, and strategic recommendations to senior leadership
Support regulatory examinations, audits, and enterprise risk management initiatives
Serve as the primary subject matter expert for fraud risk management related to spending account card products.
Use your skills to make an impact
Required Qualifications
Bachelor's Degree
10+ years of experience in fraud risk management, auditing, investigations, financial integrity, compliance, accounting, or enterprise risk management
Certified Fraud Examiner (CFE)
Experience conducting financial, operational, vendor, or fraud-focused audits
Experience developing policies, controls, governance frameworks, and monitoring programs
Experience overseeing third-party vendors and delegated service providers
Strong knowledge of fraud risk management, financial controls, auditing principles, and root cause analysis
Demonstrated ability to quickly research, interpret, and apply complex regulatory, contractual, and compliance requirements and make sound risk-based recommendations
Proven ability to influence senior leaders and lead complex cross-functional initiatives
Excellent written and verbal communication skills with prior experience presenting to senior leaders
Preferred Qualifications
Certified Public Accountant (CPA)
Master's Degree in Accounting, Finance, Business Administration, Risk Management, Criminal Justice, or related field.
Experience with healthcare payments, supplemental benefits, spending account cards, prepaid card programs, or financial services
Experience supporting Medicare Advantage supplemental benefits and delegated vendor oversight
Certified Internal Auditor (CIA), Certified Anti-Money Laundering Specialist (CAMS), or similar professional designation
Experience leading large-scale remediation and control enhancement initiatives
Experience supporting regulatory audits, examinations, or enterprise risk management programs
Travel: While this is a remote position, occasional travel to Humana's offices for training or meetings may be required.
Scheduled Weekly Hours
Pay Range
The compensation range below reflects a good faith estimate of starting base pay for full time (40 hours per week) employment at the time of posting. The pay range may be higher or lower based on geographic location and individual pay will vary based on demonstrated job related skills, knowledge, experience, education, certifications, etc.$166,700 - $229,200 per year
This job is eligible for a bonus incentive plan. This incentive opportunity is based upon company and/or individual performance.
Description of Benefits
Humana, Inc. and its affiliated subsidiaries (collectively, “Humana”) offers competitive benefits that support whole-person well-being. Associate benefits are designed to encourage personal wellness and smart healthcare decisions for you and your family while also knowing your life extends outside of work. Among our benefits, Humana provides medical, dental and vision benefits, 401(k) retirement savings plan, time off (including paid time off, company and personal holidays, paid parental and caregiver leave), short-term and long-term disability, life insurance and many other opportunities.
About Us
About Humana: Humana Inc. (NYSE: HUM) is a leading U.S. healthcare company. Through our Humana insurance services and our CenterWell healthcare services, we make it easier for the millions of people we serve to achieve their best health – delivering the care and service they need, when they need it. These efforts are leading to a better quality of life for people with Medicare and Medicaid, families, individuals, military service personnel, and communities at large. Learn more about what we offer at Humana.com and at CenterWell.com.
Equal Opportunity Employer
It is the policy of Humana not to discriminate against any employee or applicant for employment because of race, color, religion, sex, sexual orientation, gender identity, national origin, age, marital status, genetic information, disability or protected veteran status. It is also the policy of Humana to take affirmative action, in compliance with Section 503 of the Rehabilitation Act and VEVRAA, to employ and to advance in employment individuals with disability or protected veteran status, and to base all employment decisions only on valid job requirements. This policy shall apply to all employment actions, including but not limited to recruitment, hiring, upgrading, promotion, transfer, demotion, layoff, recall, termination, rates of pay or other forms of compensation and selection for training, including apprenticeship, at all levels of employment.
See All 23 Risk Management Director Jobs in Ohio
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Find Risk Management Director JobsRisk Management Director Jobs by City in Ohio
Where Ohio roles are concentrated, by current openings.
Risk Management Director Job Market in Ohio
A snapshot from current Ohio openings, updated as new roles post.
Who's Hiring
Top Industries Hiring
- Energy
- Fintech
- Distribution & Wholesale
- Banking & Financial Services
- Investment & Asset Management
What Ohio Employers Look For
The qualifications that appear most often in risk management director jobs across Ohio.
- Bachelor's degree in finance, business administration, or a related field required
- Professional certification such as FRM, CERM, or CRM strongly preferred by Ohio employers
- Seven or more years of progressive risk management experience in financial services or insurance
- Demonstrated expertise in enterprise risk management frameworks and regulatory compliance
- Strong knowledge of Ohio-relevant regulatory environments including ODIC and OCC guidelines
- Experience managing cross-functional risk teams and presenting to executive leadership or boards
Risk Management Director Jobs in Ohio: Frequently Asked Questions
How do you become a risk management director in Ohio?
The most direct path is a bachelor's degree in finance, business, or risk management followed by several years in analyst or manager-level risk roles. Ohio does not require a state-issued license to practice risk management, but most director-level candidates hold a professional credential such as the Financial Risk Manager designation or the Certified Risk Manager credential. Large Ohio employers in banking and insurance increasingly treat the FRM or CERM as a de facto requirement for director consideration.
How much do risk management directors make in Ohio?
Risk management directors in Ohio earn a median of about $98,650 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $62,710 for the lowest 10% to over $163,210 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire risk management directors in Ohio?
Employers hiring risk management directors in Ohio right now include JPMorganChase, Deloitte, and Cardinal Health, based on current listings on Migrate Mate as of August 2026. Ohio's deep concentration of insurance carriers, regional banks, and large integrated health systems means director-level risk roles appear year-round rather than only during budget cycles.
Which Ohio cities have the most risk management director jobs?
Columbus, Ohio, and Cincinnati have the most risk management director openings in Ohio. Columbus dominates because it is home to major insurance and financial services headquarters, while Cleveland's concentration of regional banks and health systems and Cincinnati's presence of national consumer and financial firms each generate consistent director-level demand.
Are there remote risk management director jobs in Ohio?
Yes, and more than most senior roles, because risk management directors primarily work with data, policies, and cross-functional teams rather than physical operations. About 86% of risk management director openings tied to Ohio are remote or hybrid as of August 2026, reflecting the analytical nature of the work. The most remote-friendly areas are enterprise risk strategy, credit risk oversight, and compliance program management.
How can I get hired as a risk management director in Ohio with little or no experience?
The most realistic entry path is a risk analyst or compliance analyst role at one of Ohio's large financial services or insurance employers, where internal mobility into management is well-established. Nationwide, KeyCorp, and Ohio-based regional insurers regularly promote from within and hire analysts with a finance or accounting background. Earning a CRM or beginning the FRM curriculum while in an analyst role signals directional intent. Adjacent roles in internal audit, treasury, and compliance management at Ohio banks or health systems also serve as proven stepping stones.
Where can I find and apply to risk management director jobs in Ohio?
You can find and apply to risk management director jobs in Ohio on Migrate Mate, which lists current Ohio openings sourced from employers across the state. Search the available roles, find the ones that match your background and preferred location, and apply directly to each position.
See All 23 Risk Management Director Jobs in Ohio
Find roles in Ohio that match your experience and apply in just a few clicks.
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