Risk Management Specialist Jobs in Ohio
Risk Management Specialist jobs in Ohio are steady and active, with consistent demand across financial services, healthcare, insurance, and manufacturing, at every level from entry-level analyst through senior risk director. Columbus, Cleveland, and Cincinnati anchor most of the hiring, where employers like Nationwide Insurance, Progressive, and Huntington Bancshares maintain large risk and compliance teams. The most in-demand specialties in Ohio right now are enterprise risk management, operational risk, and credit risk analysis. 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 Specialist Jobs in Ohio
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Find JobsRisk Management Specialist Jobs by City in Ohio
Where Ohio roles are concentrated, by current openings.
Risk Management Specialist 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 specialist jobs across Ohio.
- Bachelor's degree in finance, business, accounting, or a closely related field
- Professional certification such as FRM, CRM, or ARM preferred or required
- Two or more years of experience in risk analysis, compliance, or audit roles
- Proficiency in risk management software, data analysis tools, and Excel modeling
- Strong written communication skills for regulatory reporting and internal documentation
- Familiarity with Ohio-regulated industries such as insurance, banking, or healthcare compliance
Risk Management Specialist Jobs in Ohio: Frequently Asked Questions
How do you become a risk management specialist in Ohio?
Most Ohio employers require a bachelor's degree in finance, business, risk management, or a related field as the baseline. Ohio does not issue a state license specifically for risk management specialists, but professional certifications carry significant weight: the Associate in Risk Management (ARM), Financial Risk Manager (FRM), or Certified Risk Manager (CRM) designation are commonly expected at mid-level and above. Large Ohio employers in insurance and banking often prefer candidates who have sat for one of these exams before hiring.
How much do risk management specialists make in Ohio?
Risk management specialists 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 specialists in Ohio?
Employers hiring risk management specialists in Ohio right now include JPMorganChase, Deloitte, and Cardinal Health, based on current listings on Migrate Mate as of August 2026. Ohio's concentration of insurance carriers, regional banks, and large health systems means demand is spread across both corporate headquarters and regional operations throughout the state.
Which Ohio cities have the most risk management specialist jobs?
Columbus, Ohio, and Cincinnati have the most risk management specialist openings in Ohio. Columbus leads because it is home to Nationwide Insurance, Huntington Bancshares, and a dense cluster of healthcare and fintech employers, while Cleveland and Cincinnati draw demand from regional banking headquarters, manufacturing conglomerates, and large hospital networks that maintain dedicated enterprise risk teams.
Are there remote risk management specialist jobs in Ohio?
Yes, and more than many comparable roles, because risk management work is primarily analytical and documentation-driven rather than site-dependent. About 86% of risk management specialist openings tied to Ohio are remote or hybrid as of August 2026. The functions most likely to be fully remote are enterprise risk reporting, model risk governance, and policy development, while operational risk roles tied to physical facilities or branch networks tend to require on-site presence.
How can I get hired as a risk management specialist in Ohio with little or no experience?
The most realistic entry path is landing a risk analyst, compliance analyst, or internal audit associate role at one of Ohio's large insurance carriers or regional banks, which regularly recruit new graduates. Nationwide, Progressive, and Fifth Third Bank all run rotational or analyst development programs that feed directly into risk functions. Pursuing the ARM or CRM designation while in an adjacent role like underwriting, loan review, or audit signals intent and gives candidates an edge when applying for dedicated risk specialist openings.
Where can I find and apply to risk management specialist jobs in Ohio?
You can find and apply to risk management specialist jobs in Ohio on Migrate Mate, which lists current Ohio openings across industries and seniority levels. Find roles that fit your background and apply directly to the employers posting them.
See All 23 Risk Management Specialist Jobs in Ohio
Find roles in Ohio that match your experience and apply in just a few clicks.
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