Risk and Compliance Manager

Zip; Sydney; On-site; AUD 180,000 - 240,000; Full time

Job summary

Zip is seeking a Senior Risk and Compliance Manager in Sydney to partner with lines 2 and senior leaders. You will mature risk frameworks, oversee governance, and translate complex regulatory requirements into practical guidance for informed decision making.

The role spans enterprise risk, third party risk, and operational resilience. You’ll monitor risk indicators, drive reporting improvements, and guide teams on risk controls while embracing AI and new tools to enhance risk management across

Qualifications

• Significant experience across enterprise risk, operational risk or compliance in regulated environments.
• Strong knowledge of risk governance, committees and regulatory interactions.
• Experience designing, implementing or operating risk management frameworks.
• Knowledge of operational resilience, business continuity and crisis management.

Responsibilities

• Support governance across risk and compliance forums with clear reporting.
• Analyse incidents and trends to identify weaknesses and provide practical recommendations.
• Evolve risk policies, frameworks and procedures with Line 2 oversight.
• Strengthen artefacts and ensure frameworks and standards remain current.
• Lead third party risk management and assess performance with remediation guidance.
• Develop risk reporting and metrics for visibility of risk and compliance.
• Translate evolving regulatory expectations into actionable steps for the business.
• Support operational resilience through assessments and disruption planning.
• Advise first line teams as a trusted risk partner and drive continuous improvement.

Skills

Enterprise risk

Governance

Third party risk

Regulatory compliance

Risk reporting

Analytical thinking

Stakeholder engagement

Communication skills

Independent contributor

AI awareness

Education

Finance or Law degree

Tools

GRC tools

Risk management software

Job description

• Shape how Zip manages enterprise and third party risk, strengthening governance and operational resilience as the business continues to grow
• Bring deep enterprise or operational risk experience, with strong capability across governance, risk frameworks, third party risk and regulatory expectations
• Sydney based individual contributor role with the opportunity to influence leaders and teams across Zip Australia

Write your story with a career at Zip

Join Zip’s Risk and Compliance team and play an important role in helping our Australian business grow sustainably, with strong risk management, governance and resilience at its core.

As Senior Risk and Compliance Manager, you’ll be a trusted Line 2 risk partner with a broad remit spanning enterprise risk and compliance management, governance and reporting, third party risk management and operational resilience.

Reporting to the Director, Senior Risk and Compliance, you’ll combine strategic thinking with a willingness to get close to the detail. You’ll help mature our risk frameworks, strengthen oversight and reporting, and turn complex risk and regulatory requirements into practical guidance that helps the business make well informed decisions.

What you’ll own

• Support effective governance across key risk and compliance forums, providing clear, timely reporting and insights that enable informed decision making
• Analyse incidents, issues and complaints to identify trends, material weaknesses and emerging risks, translating your findings into practical recommendations
• Help evolve Zip’s enterprise risk and compliance policies, frameworks and procedures, while providing Line 2 oversight of their implementation and effectiveness
• Strengthen the governance of key risk and compliance artefacts, helping ensure frameworks, policies and standards remain current and effective
• Build, implement and monitor Zip Australia’s Third Party Risk Management program, providing practical guidance to business leaders and first line teams
• Oversee third party risk assessments and performance, identifying emerging risks and advising on appropriate remediation
• Develop meaningful measures and reporting that provide visibility of third party risk performance, compliance and effectiveness
• Monitor evolving regulatory expectations relating to third party risk and help translate change into practical actions for the business
• Support Zip’s operational resilience capability through critical operations assessments, disruption tolerance considerations, scenario analysis and testing
• Contribute to business continuity and crisis management frameworks, including oversight, monitoring and continuous improvement
• Deep dive into incidents and emerging risk events when required, bringing structure, critical thinking and a strong risk lens to complex situations
• Act as a trusted risk advisor to first line teams, building strong relationships and helping teams understand how good risk management supports sustainable commercial outcomes
• Identify opportunities to improve the way we manage risk and compliance, including thoughtful use of AI, automation and new tools

What you’ll bring to the team

Zipsters work on a broad range of initiatives, and our skills and experiences all look a little different. What really matters to us is that you’re a great fit with our four Values, and have a desire to learn and grow.

So whether you meet some or all of the desirable attributes below, we’d still love to hear from you:

• Significant experience across enterprise risk, operational risk or compliance within financial services, fintech or another highly regulated environment
• Strong practical knowledge of risk governance, including risk committees, senior stakeholder engagement and regulatory interactions
• Experience designing, implementing or operating enterprise risk or third party risk management frameworks
• Practical knowledge of operational resilience, business continuity and crisis management
• Strong understanding of risk and control concepts, regulatory expectations and contemporary risk management practices
• Experience conducting risk assessments and control reviews, alongside incident, issue and risk reporting
• Strong analytical and critical thinking skills, with the confidence to work with complex information and data to identify meaningful insights
• Clear and influential written and verbal communication skills, including experience preparing risk reporting and presentations for senior stakeholders
• The ability to operate independently, navigate ambiguity and manage competing priorities in a fast moving environment
• Relevant tertiary qualifications in finance, business, law or a related discipline
• A mindset that embraces AI and new tools to adapt, learn and grow.
• An aptitude for identifying and managing risks. Whether you are a People Manager or an Individual Contributor, we are all leaders at Zip, therefore effective risk management is important to how we run our business and part of all our roles.
• Our values in your DNA. Customer First, Own It, Stronger Together and Change the Game.

What you’ll get in return

As we write this next exciting chapter in our story, we will continue to move at pace and embrace change. For you, this might mean opportunities to learn new skills with hands on experience, broader responsibilities, or the buzz of seeing your work impact customers faster.

Zip is a place where you’ll get out exactly what you put in. When you join the team, we'll do our best to make sure you can be yourself and surround yourself with smart, friendly colleagues and leaders who have your back, so that you can make the big things happen.

Zipsters tell us these are just some of the best things about working here. You’ll also receive:

• 25 days paid leave annually, including birthday leave and quarterly wellbeing days
• 16 weeks paid parental leave for primary carers, and 4 weeks for supporting carers
• Family support policies including miscarriage bereavement leave and domestic violence leave
• Mental health and wellness initiatives, including $299 annual wellbeing allowance, free access for you and family members to our Wellbeing platform Sonder, discounted private health insurance, and great rates on fitness sessions through ClassPass
• 2 days paid volunteering leave, 2 days study leave and 2 days religious or cultural leave per year
• Fee free Zip products, and discounts with Zip merchant partners in Australia
• Team social events, epic offices, free breakfast daily, and weekly free lunches in Sydney
• Access the Flare Benefits Hub and Novated Leasing, with savings across groceries, fuel, tech, fashion, dining and more, alongside health perks, wellbeing guidance and potential tax savings on car ownership

Be a part of a team that reflects the diversity of our customers

We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique.

Equally, we’re committed to ensuring our recruitment processes are accessible and inclusive. Please let us know if there are any adjustments that need to be made to ensure you have a fair and equitable experience.

And finally…get to know us

Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people centred products.

Operating in two core markets, Australia and New Zealand and the US, Zip offers access to point of sale credit and digital payment services, connecting millions of customers with its network of tens of thousands of merchants.

We’re proud to be a values led business and our values, Customer First, Own It, Stronger Together and Change the Game, guide us in everything we do.

Building for Diversity, Inclusion and Balance (ANZ)

At Zip we are passionate about building for diversity, inclusion and balance so we can bring out the best in all Zipsters; existing and new. That's why we have launched a dedicated DEI strategy called "Building for Balance". To help us achieve this we’re committed to continuously monitoring our progress, learning from our people and trying new things so we can build a truly diverse and inclusive team. We would love your help by taking part part in this anonymous survey which will help us evaluate our efforts. This is completely voluntary and not taking part will have no impact on your job application. All information is anonymous and not connected to your name or job application and will be kept secure and used solely to evaluate our diversity and inclusion programs.

By answering this survey, I give my consent for Zip to process this data.

What gender do you identify as? Select...

I identify my ethnicity as (please select all that apply): Select...

What is your age range? Select...

How important is flexibility and the opportunity for working remote when considering a new opportunity? ("5" being critical and "1" being not that important to you personally) Select...

Zip Co Inc uses AI technology to assist in our hiring process. We want to be transparent about how we may use this technology and your rights. We use Greenhouse Software’s Talent Matching feature to assist with reviewing applications for the skills and experience we have decided are important for this role.