Head of Risk

This is a fully remote position, open to applicants in Europe.

📋 Description

• Take responsibility for the enterprise risk framework, encompassing risk taxonomy, risk appetite and tolerances, risk register, escalation policy, and the three-lines-of-defence model.

• Generate regular risk dashboards for the CEO and leadership, along with board/committee reporting and risk-related regulatory submissions.

• Oversee DORA ICT risk management, including incident classification and reporting, third-party ICT risk, and the Register of Information.

• Develop operational risk, capital adequacy, liquidity, and safeguarding frameworks for new e-money authorisations.

• Manage B2B partner and counterparty risk, which includes onboarding risk scoring, risk-tiered monitoring, material partnership approval, and concentration risk.

• Collaborate with Finance to manage financial and market risk, addressing crypto price exposure, settlement and liquidity risk, counterparty exposure, and capital adequacy oversight.

• Direct operational resilience, business continuity, disaster recovery, vendor risk, and major incident reporting.

• Establish fraud risk appetite and acceptable loss rates across various channels, products, and geographies.

• Lead product risk assessment and launch gating for new products and markets.

• Facilitate the risk committee and foster risk ownership throughout business units.

• Act as the Head of Risk on the leadership team, reporting directly to the CEO.

⛳️ Requirements

• 8–10+ years of experience in financial services or fintech risk.

• A minimum of 3–4 years in a senior risk leadership role (Head of Risk, VP Risk, or equivalent).

• Direct experience within a regulated fintech, payment institution, EMI, PSP, or crypto business.

• Practical experience with at least one of the following: DORA ICT risk, MiCA (CASP) risk requirements, PSD2 payment institution operational and security risk, or equivalent UK FCA operational resilience experience.

• Proven track record of owning risk outcomes.

• Capability to present clear risk positions and recommendations despite incomplete information.

• Proficient in communicating risk in business terms, including impact, cost, and options.

• Fluent professional English.

🏝️ Benefits

• A position on the leadership team with direct access to the founders.

• True ownership: you will influence the risk function and its role within the business.

• Remote-first environment, with occasional in-person meetings at the European HQ.

• Long-term B2B contract.

• Bonus linked to performance and OKRs.

• 20 paid working days off each year.

• Paid sick leave.

• Health insurance coverage.

• Professional development budget.

• Team-building events.