Senior Risk Manager

Global FinTech Talent; Randstad; In loco; EUR 126.000 - 154.000; Tempo pieno

Descrizione del lavoro

Global FinTech Talent is partnering with a fast-growing European technology company to appoint a senior Enterprise Risk professional for its regulated financial-services business.

You will build the risk infrastructure, own ERM, internal controls and regulatory risk, engaging with senior leadership and regulators. The role emphasizes AI-driven risk tooling, data-driven insights and real-time governance in a highly technology-driven environment.

Competenze

• 7+ years of risk experience, ideally in payments or fintech.
• Direct experience building or redesigning an Enterprise Risk Management framework.
• Strong knowledge of risk appetite, RCSA, KRIs, taxonomy and internal controls.
• Experience with DORA, outsourcing and operational resilience.
• Ability to engage with senior management and regulators.

Mansioni

• Own and maintain the Enterprise Risk Management framework and internal controls.
• Oversee payments and financial risk across the regulated environment.
• Design and mature the internal-control framework with clear ownership and monitoring.
• Embed risk practices into product changes and regulatory initiatives.
• Engage with European regulators on supervisory reviews and reporting.
• Lead a technology-driven approach to risk using AI and automation.

Conoscenze

Enterprise risk management

Regulatory risk

Board communications

Payments risk

Independent thinking

Descrizione del lavoro

Global FinTech Talent is supporting a fast-growing European technology company in the appointment of a senior Enterprise Risk professional for its regulated financial-services business.

The wider group is an established, product-led software company with significant international scale and a growing payments offering.

As the regulated business expands, the company is now building the risk infrastructure needed for its next stage of growth.

This is not a role where you inherit a mature risk function. You will build it.

The opportunity:

You will take ownership of the Enterprise Risk Management and internal-control framework for a regulated European payments business. The role offers significant autonomy and exposure to senior leadership, Boards and regulatory stakeholders.

Initially, this is a senior individual-contributor position. You will therefore need to be comfortable designing frameworks yourself, challenging the first line and translating regulatory requirements into practical processes.

The environment is highly technology-driven, with a strong focus on AI and automation. The company is particularly interested in someone who can use modern tools to make Risk more efficient, more data-driven and less dependent on static spreadsheets and manual processes.

What you will own

Enterprise Risk Management: You will build and maintain the core ERM framework, including:

• Risk taxonomy and risk universe
• Risk Appetite Framework and measurable tolerances
• RCSA methodology
• KRIs and early-warning indicators
• Risk registers and issue management
• Scenario analysis and stress testing
• Executive and Board reporting
• Governance and escalation processes

The objective is to create risk information that supports real management decisions rather than documentation for its own sake.

Payments and financial risk: You will oversee key risks across the regulated payments environment, including:

• Safeguarding of customer funds
• Payment processing and settlement
• Card scheme and acquiring risk
• Fraud and disputes
• Outsourcing and critical third parties
• New products and material business changes

Direct experience within an EMI, PI, PSP, acquiring business or regulated payments company will be highly relevant.

Internal controls: You will design and mature the internal-control framework, ensuring that:

• Key controls are clearly defined
• First-line ownership is understood
• Controls are tested and monitored
• Weaknesses and remediation actions are tracked
• Control effectiveness is visible to senior management

DORA and operational resilience: You will work closely with Technology, Security and operational teams across:

• DORA
• Business continuity
• Operational resilience
• Outsourcing
• Third-party risk

The role requires someone who can turn regulatory expectations into practical operating processes.

Product, change and regulatory risk: You will provide independent challenge on new products, material changes and strategic initiatives without becoming a bottleneck to the business.

You will also support engagement with relevant European regulators on supervisory reviews, information requests and risk-related reporting.

Who we are looking for:

We are looking for someone with approximately 7+ years of relevant risk experience, ideally including several years within payments or modern fintech.

The strongest profiles are likely to demonstrate:

• Direct experience within an EMI, PI, PSP, acquiring business or regulated fintech
• Personal experience building or materially redesigning an Enterprise Risk Management framework
• Strong knowledge of risk appetite, RCSA, KRIs, risk taxonomy and internal controls
• Practical understanding of safeguarding, settlement, liquidity and payments-related risk
• Experience with DORA, outsourcing and operational resilience
• Experience challenging and embedding first-line risk ownership
• Strong senior-management and Board communication
• Experience engaging with financial regulators
• The ability to operate independently without a large supporting team

This role is unlikely to suit someone whose experience is primarily Compliance, AML, Audit, consulting or traditional banking without meaningful hands-on fintech or payments risk ownership.

AI and technology mindset:

The company is highly focused on using AI and automation to improve how teams operate.

We are particularly interested in candidates who have already used technology to improve Risk processes, for example:

• Automated KRI or control monitoring
• AI-supported third-party reviews
• Automated assurance or regulatory analysis
• AI-assisted risk and control documentation
• Internal tools replacing manual processes

You do not need to be an engineer, but you should be comfortable using modern AI tools, understand their limitations and recognise the additional risks they introduce within a regulated business.

What success looks like: During your first year, you should be able to point to a Risk framework that you materially created and embedded, with:

• Meaningful risk appetite and KRIs
• A repeatable RCSA process
• Stronger visibility across payments, safeguarding and operational risk
• Tested and measurable controls
• Better management and Board reporting
• Smarter use of technology and AI within Risk

This is an opportunity to build a regulated Risk capability inside a successful technology company rather than joining an organisation where most of the framework already exists.

Location: The preferred location is the Netherlands.

The role offers significant flexibility, but candidates should be able to work effectively with the regulated European entity and travel when required.

Package: Up to approximately €140,000 base salary, depending on experience, plus holiday allowance, pension and equity.