Senior Manager, Financial Crime Risk – AML/CTF & Scams

Cuscal Limited; Sydney; On-site; AUD 230,000 - 320,000; Full time

Benefits offered by this job

Recognition and growth

Wellbeing focus

Inhouse Barista

Job summary

Cuscal is seeking a Senior Manager, Financial Crime Risk to lead enterprise-wide second-line oversight across Australia and New Zealand. You will set strategy, oversee AML/CTF compliance, sanctions, and related risk programs, and report to senior management and the Board on risk appetite and effectiveness.

The role requires deep regulatory knowledge, collaboration with regulators and auditors, and the ability to drive risk programs across Cuscal and its subsidiaries.

Qualifications

• 10+ years' experience in financial crime risk, AML/CTF, fraud, scams, sanctions or related risk and compliance roles within banking, payments or financial services.
• Demonstrated senior leadership of financial crime risk frameworks, programs or second-line oversight across complex or multi-entity organisations.
• Deep knowledge of Australian AML/CTF requirements and sound knowledge of New Zealand AML/CFT obligations, including regulator expectations and reporting obligations.

Responsibilities

• Setting the Group financial crime risk strategy, framework and oversight priorities across Australia and New Zealand.
• Providing independent advice and assurance over first-line financial crime risk management and control effectiveness.
• Overseeing compliance with AML/CTF laws, sanctions, anti-bribery and corruption, fraud and scam-related obligations and commitments.
• Driving effective identification, assessment, monitoring, escalation and reporting of financial crime risks, incidents, breaches and emerging threats.
• Overseeing the implementation of regulatory changes; and supporting senior management and the Board to make informed decisions and maintain financial crime risk within appetite.
• Owning and maintaining the Group Financial Crime Risk Management Framework, supporting policies, standards, methodologies ensuring alignment across Cuscal and its subsidiaries.
• Leading second-line oversight of key financial crime risk classes, with particular focus on AML/CTF, scams and broader risks including fraud, sanctions, proliferation financing, bribery and corruption, tax crime and other predicate offences.
• Providing independent review and challenge of enterprise and business-level financial crime risk assessments, including customer, product, channel, jurisdiction, delivery model and emerging threat assessments.
• Establishing and overseeing the Group scams risk framework, including prevention, detection, disruption, customer protection, response, recovery, reimbursement governance and compliance with applicable industry codes and regulatory expectations.
• Setting minimum control expectations for customer due diligence, enhanced due diligence, beneficial ownership, transaction monitoring, sanctions and PEP screening, suspicious matter reporting, threshold and international funds transfer reporting, scam controls and financial crime investigations.
• Monitoring first-line implementation and control effectiveness through thematic reviews, targeted monitoring, assurance, data analysis and oversight of remediation actions.

Skills

Financial crime risk

AML/CTF

Leadership

Regulatory knowledge

Stakeholder engagement

Risk frameworks

Job description

Cuscal is seeking a Senior Manager, Financial Crime Risk to lead enterprise-wide second-line oversight across Australia and New Zealand. You will set strategy, oversee AML/CTF compliance, sanctions, and related risk programs, and report to senior management and the Board on risk appetite and effectiveness.

The role requires deep regulatory knowledge, collaboration with regulators and auditors, and the ability to drive risk programs across Cuscal and its subsidiaries.