Risk Manager (Finance and Payments) in Cardiff

This is a hybrid role and requires travel to our Cardiff office at least 1 day per week. We are looking for an experienced Risk Manager to provide risk oversight, challenge and support across Finance and Customer Payments, ensuring risk management responsibilities are met in line with EUI’s risk management framework. This role will focus on embedding effective, practical finance, payments and control assurance practices, working closely with Finance, Payments, and Operations teams. You will play a key role in strengthening risk maturity and supporting good customer and financial outcomes through robust risk oversight. Reporting to the Senior Risk Business Partner, you will provide a mixture of direct support and independent challenge across Finance and Customer Payments activities. As part of the central EUI First Line Risk & Control Team, you will work collaboratively to ensure that risks are appropriately identified, assessed, monitored and reported, with proportionate and effective controls in place. You will be an experienced risk professional with a strong grounding in operational and financial risk management, able to apply risk frameworks pragmatically and act as a trusted partner to Finance and Payments stakeholders.

Key Duties & Responsibilities

• Support the implementation and embedding of EUI’s risk framework, standards and Group Internal Controls across Finance and Customer Payments.
• Act as a trusted risk partner to Finance and Payments leadership teams, providing advice, challenge and insight to support effective risk‑based decision making.
• Support the identification, assessment and documentation of finance, payments, enterprise and conduct risks, ensuring clear articulation of risk causes, impacts and controls.
• Provide oversight of key financial and payments controls, including preventative and detective controls, and support assurance over their design and effectiveness.
• Oversee and support risk and control self‑assessments, ensuring risks, controls and outcomes are clearly defined, proportionate and aligned to Group expectations.
• Monitor control effectiveness and support the remediation of identified issues, ensuring timely, sustainable and well‑governed actions.
• Develop and review key risk indicator (KRI) reporting to provide meaningful insight into finance and payments risk trends and emerging issues.
• Provide high‑quality risk reporting and insight into governance forums, risk committees and senior stakeholders.
• Build and maintain strong working relationships with Finance, Payments and wider functional stakeholders to promote shared ownership of risk.
• Attend and contribute to relevant risk working groups and forums, representing finance and payments risk perspectives.

Essential skills and experience

• Strong understanding of operational and financial risk management theory and practice, with the ability to apply this pragmatically.
• Demonstrable experience working within Finance, Payments or Financial Operations risk environments.
• Detailed understanding of internal control frameworks, including Group or enterprise‑wide controls.
• Proven ability to provide effective risk oversight and challenge in relation to financial processes and customer payment journeys.
• Excellent stakeholder management skills, with the ability to influence and engage at various levels.
• Effective communication skills (written and verbal), with the ability to explain complex risk and control concepts clearly.
• Good analytical skills, with the ability to interpret risk data, issues and trends.

Desirable skills and experience

• Relevant risk, audit or governance qualification or willingness to study toward it (e.g. IRM or equivalent).
• Experience supporting control assurance, SOX‑style testing, or internal control reviews (where applicable).
• Understanding of customer payments and finance risk.
• Experience working within a regulated financial services environment.

Please note - we may close this vacancy early if we receive lots of applications or business priorities change.

Benefits

Everyone receives 33 days holiday (including bank holidays) when they join us, increasing the longer you stay with us, up to a maximum of 38 days (including bank holidays). You also have the option to buy or sell up to an additional five days of annual leave.

Disability Confident Leader: As a Disability Confident Leader, for candidates with a disability or long‑term health condition, that opt into the Disability Confident scheme, we’ll invite a fair and proportionate number of applicants that meet the essential requirements of the role to the first stage of our selection process.