Risk Manager - Payments

JR United Kingdom; Cardiff; On-site; GBP 60,000 - 90,000; Full time

Job summary

A leading UK financial institution seeks an experienced Payments Risk Manager to shape payment operations. The role involves risk assessment, fraud prevention, and regulatory compliance, collaborating with senior leadership and external experts. Ideal candidates will have deep expertise in payment systems, strong communication skills, and a proactive approach to risk management.

Qualifications

• Expertise in UK and international payment systems and regulations.
• Experience in financial services context.
• Ability to communicate with clarity and engage stakeholders.

Responsibilities

• Lead initiatives on payment risk strategy and oversight.
• Ensure compliance with FCA, PSD2, AML, and PSRs.
• Drive continuous improvement and risk-aware culture.

Skills

Fraud prevention

Risk mitigation

Regulatory compliance

Stakeholder engagement

Data analysis

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