Risk Manager

Who we are

Over the last 18 years, Equals Group has helped over a million satisfied customers move and manage their money. Our award-winning product portfolio allows our customers to make low-cost multi-currency payments across various payment products. From travel money to transfers, currency hedging, to expense management, open banking to card acquiring, we are focused on a single goal of making it easy for our customers to manage and move their money. As a business, we are committed to delivering value to our customers through the combination of advanced payments technology and personal expert service. With our offices in London, Chester, Brussels, Amsterdam and Los Angeles, the Group operates a portfolio of successful and exciting business lines and brands; Equals Money, FairFX and Railsr in the UK and EU. You will join a very close-knit, talented and supportive team from various backgrounds who believe that bringing different perspectives together helps us understand our customers' needs. United, by one thing, making money management straightforward and cost-effective for our customers.

About the Role

The Risk Manager will be responsible for and will support and oversee the organisation’s risk management framework across the Group, ensuring risks are effectively identified, assessed, monitored, and mitigated. This roleholder will ensure and strengthen the Group’s risk culture, enhance risk awareness across business units, and ensure compliance with regulatory requirements. The Risk Manager will need to collaborate closely with the Group’s senior leadership, risk champions, and cross-functional teams to embed strong risk culture and controls.

Responsibilities

• Risk Management Frameworks
  • Maintain and update risk registers in line with the organisation’s risk appetite.
  • Support the development and monitoring of key risk indicators (KRIs) and controls.
  • Lead and coordinate risk assessments, ensuring appropriate mitigation strategies are implemented.
  • Conduct regular reviews and help with testing to assess the effectiveness of controls.
  • Investigate Risk Events and oversee resolution, ensuring lessons learned are captured and applied.
• Promoting a Strong Risk Culture
  • Act as a point of contact for risk-related queries across the Group.
  • Coordinate and support a network of risk champions to embed risk practices within business units.
  • Deliver training and guidance to promote proactive risk awareness and escalation.
• Risk Reporting and Insights
  • Prepare risk reports and dashboards for senior leadership, risk committees, and governance forums.
  • Provide insights into enterprise risks, highlighting exposures, trends, and emerging risks.
  • Monitor risks against the organisation’s risk appetite and escalate breaches appropriately.
• Collaboration and Continuous Improvement
  • Partner with different functions to align risk practices with regulatory and business needs.
  • Collaborate with internal teams to strengthen risk identification and mitigation.
  • Contribute to enhancements in risk tools, processes, and reporting systems.
  • Stay informed on industry trends, regulatory changes, and emerging risks.

Core Competencies

• Team Collaboration: Builds effective relationships across teams and engages risk champions to embed risk culture.
• Technical Acumen: Strong understanding of ERM frameworks, operational risk management, and financial risk in fintech.
• Analytical Skills: Skilled in interpreting risk data, developing KRIs, and recommending mitigation strategies.
• Attention to Detail: Ensures accuracy, consistency, and traceability in risk documentation and reporting.
• Stakeholder Engagement: Confident in engaging senior leaders and providing actionable insights.
• Communication Skills: Able to prepare and deliver high-quality reports, dashboards, and training sessions.

Essential Skills

• 5+ years in a risk management, operational risk, or ERM role, ideally in fintech, consulting and/or financial services sectors.
• Strong knowledge of risk frameworks, controls testing, and regulatory requirements under FCA (UK), and DORA (EU).
• Familiarity with risk reporting tools, dashboards, and data analysis.
• Exposure to financial services and payments/e-money related risks, and/or embedded finance models (desirable).
• Relevant qualifications in risk, compliance, or financial services (IRM, ARM, or equivalent desirable).

Nice to have

• Experience working with the NBB (Belgium).

The Group strives to create a workplace where we can all be ourselves. We believe in inclusion, equality and the power of diversity, so you'll be encouraged to bring your unique perspectives and experiences, and help us understand what you need to do your best work.