Risk Manager - Payments

JR United Kingdom; Bedford; On-site; GBP 50,000 - 80,000; Full time

Job summary

A leading UK financial institution is seeking a Payments Risk Manager to safeguard critical payment operations. This role involves leading the risk management efforts related to payment systems, engaging with stakeholders, and ensuring regulatory compliance. The ideal candidate will bring extensive experience in fraud prevention and risk mitigation within financial services, contributing to a culture of risk awareness and operational effectiveness.

Qualifications

• Deep expertise in UK/international payment systems and regulations.
• Strong experience in fraud prevention and risk mitigation within financial services.
• Ability to lead with insight and communicate clearly.

Responsibilities

• Lead initiatives to identify and mitigate payment-related risks.
• Manage compliance with regulatory standards such as FCA and PSD2.
• Drive continuous improvement in payment risk strategy.

Skills

Fraud prevention

Risk mitigation

Regulatory compliance

Data analysis

Stakeholder engagement

Job description

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Are you passionate about managing risk in the ever-evolving world of payments? A dynamic opportunity has opened up at a leading UK financial institution for an experienced Payments Risk Manager to play a key role in shaping and safeguarding critical payment operations.

What You’ll Be Doing

In this pivotal second-line role, you'll be leading initiatives to identify, assess, and mitigate payment-related risks, from operational exposure to fraud and financial crime. Working closely with senior leadership, cross-functional teams, and third-party experts, you’ll help define the future of secure and compliant payment processes.

Your focus will span:

• Payment risk strategy and oversight across channels (Faster Payments, CHAPS, Bacs, SWIFT, Open Banking)
• Fraud detection and financial crime prevention
• Regulatory compliance (FCA, PSD2, AML, PSRs)
• Stakeholder engagement and governance
• Driving continuous improvement and embedding a risk-aware culture

You're someone who:

• Brings deep expertise in UK/international payment systems and regulations
• Has strong fraud prevention and risk mitigation experience in a financial services context
• Knows how to lead with insight, communicate with clarity, and engage with impact
• Is confident working with data, risk frameworks, and evolving regulatory landscapes
• Can balance strategic oversight with operational effectiveness