Risk Management Director (Worldwide/Remote)

Minimum 8 years of experience in risk management within regulated financial services.

Proven senior-level experience in Electronic Money Institutions (EMIs) and/or Payment Institutions / Payment Service Providers (PSPs).

Demonstrable experience in a multi-jurisdictional environment, ideally covering EU/EEA markets with exposure to passporting regimes.

Comprehensive understanding of Payment Services Regulation, including PSD2 (and PSD3 developments), EMI licensing requirements, own funds calculations, and safeguarding.

Excellent written and verbal communication skills.

Ability to distil complex risk topics into clear, actionable insights.

Ability to anticipate regulatory trends and emerging risks.

Build or significantly develop a risk function, including hiring and structuring a team.

Directly interact with financial regulators and Boards of Directors on risk matters.

Implement risk governance frameworks, including EBA Guidelines on Internal Governance, Outsourcing Arrangements, and ICT Risk Management (DORA).

Manage acquiring and card scheme risk, including merchant risk management and chargeback frameworks.

Oversee operational risk event management, BCP/DR, and incident management frameworks.

Manage third-party risk, including outsourcing risk assessment, vendor due diligence, and ongoing monitoring of critical service providers.

Operate as an independent second-line function, providing constructive challenge to senior management and the Board.

Balance risk management rigour with commercial pragmatism to support business objectives.

Produce board-ready reports, regulatory submissions, and policy documentation.

Anticipate regulatory trends and emerging risks to position the institution proactively.

Manage relationships across the business, with regulators, auditors, card schemes, and external partners.

Recruit, develop, and retain talent in a lean, high-performing team.