hr executive

portfolio manager

head of marketing

head of product

head of sales

head of risk

myZoi

<p><b style="font-size: 11px;">The Role</b></p> <p> <span>The Head of Risk will support the Chief Risk<br>Officer in overseeing and implementing the organization s enterprise risk<br>management framework, ensuring that all risks are identified, assessed,<br>mitigated, and monitored effectively and upholding the integrity of the<br>function and raising the risk culture. The role</span> <span> is also <span>responsible for end-to-end Operational Risk<br>Governance, Change Management including Product Governance, Analytics &amp;<br>Reporting and Risk Systems Management.</span> </span> <span>.</span> <br> </p> <p> <b> <span>Leadership and strategy</span> </b> <br> </p> <ul> <li> <span> <span>Support the CRO and functions in enabling and<br>executing the overall business strategy</span> <br> </span> </li> <li> <span> <span>Drive the effective implementation of the Enterprise<br>Risk Management (ERM) framework across the organization.</span> </span> <br> </li> <li> <span> <span> </span> </span> <span>Promote operational risk management culture, awareness and training<br> across the organization</span> <br> </li> <li> <span> <span>Role model the values of the organization and<br>is to be seen as a Subject Matter Expert</span> <br> </span> </li> <li> <span> <span>To be seen as an enabler to business and<br>product strategy and not a  blocker .</span> <br> </span> </li> </ul> <p> <b> <span>Risk Management and<br>Governance</span> </b> <br> </p> <ul> <li> <span>Coordinate with departments to implement the bank's operational<br> risk management strategies and policies, assist to adopt appropriate<br> methodologies, tools and procedures to identify, assess, monitor, control<br> or mitigate operational risk;</span> <br> </li> <li> <span>Oversee and own departments' implementation of operational risk<br> management policies, follow up of key operational risks identified via<br> operational risk management tools and provide recommendations to mitigate<br> control weaknesses and monitor the rectification progress;</span> <br> </li> <li> <span>Lead efforts to identify and assess<br> emerging and existing risks across business units and support functions</span> <br> </li> <li> <span>Oversight and challenge first line of defense while enabling<br> business</span> <br> </li> <li> <span>Key member in the product governance forums</span> <br> </li> <li> <span>Perform periodic risk assessments and scenario analysis.</span> <br> </li> <li> <span>Oversee risk monitoring activities and ensure accurate, timely<br> reporting of key risk indicators (KRIs), limits, and exposures <span> </span>by first line to the CRO and risk<br> committees.</span> <br> </li> <li> <span>Provide insights and recommendations on risk trends and mitigation<br> strategies.</span> <br> </li> <li> <span>Own the Risk Register along with first line by ensuring oversight</span> <br> </li> <li> <span>Comply with legal, regulations or rules issued<br> by regulators, entity's strategy and relevant risk management policies and<br> procedures; </span> <br> </li> </ul> <p> <span> <br> <b> <span>Risk System, AI, Analytics &amp; Reporting:</span> </b> </span> </p> <ul> <li> <span> <span>Lead the<br>design and implementation of entity wide risk system to enhance data<br>collection, analysis and reporting capabilities</span> <br> </span> </li> <li> <span> <span>Deploy<br>the use of AI including ML and Natural Language to derive efficiencies in the<br>risk management processes across the organisation</span> <br> </span> </li> <li> <span> <span>Develop<br>and maintain operational risk dashboards and reporting tools to provide timely<br>insights to senior management and stakeholders.</span> <br> </span> </li> <li> <span> <span>Analyse<br>operational risk data to identify trends, emerging risks, and areas for<br>improvement in risk management practices.</span> <br> </span> </li> <li> <span> <span>Prepare<br>and present regular reports on operational risk performance, including key risk<br>indicators (KRIs) and risk mitigation efforts to senior management and the<br>board.</span> <br> </span> </li> <li> <span> <span> <span> <span> </span> </span> </span> <span>Collaborate<br>with IT and data management teams to ensure data integrity, security, and<br>accessibility for operational risk management purposes</span> <br> </span> </li> </ul> <p> <br> </p> <p> <b> <span>Stakeholder Engagement:</span> </b> <br> </p> <ul> <li> <span> <span>Foster<br>strong relationships with internal stakeholders , to promote a culture of risk<br>awareness and accountability.</span> <br> </span> </li> <li> <span> <span>Engage<br>with external regulators, partners and industry bodies to stay abreast of<br>regulatory developments and best practices in Governance and operational risk<br>management.</span> <br> </span> </li> <li> <span> <span>Lead<br>training and awareness initiatives to enhance the organization's understanding<br>of operational risk and its management.</span></span></li></ul> <p> <span> <br> </span> <b> <span>What You ll Need:</span> </b> </p> <ul> <li> <span>Strong understanding of risk disciplines<br> (credit, operational, market, liquidity, etc). Knowledge of systems and<br> models will be an advantage. </span> <br> </li> <li> <span>Analytical,<br> inquisitive, tenacious and attention to detail.</span> <br> </li> <li> <span>Able to manage<br> conflicting priorities and situations</span> <br> </li> <li> <span>In-depth<br> knowledge on financial service products including store value facility,<br> retail payment services and consumer protection</span> <br> </li> <li> <span>Knowledge on<br> technology and ICS standards including AI used for building financial<br> services. </span> <br> </li> <li> <span>Academic or<br> Professional Education/Qualifications, i.e. standards required for role. Licenses<br> and Certifications/accreditations will be an added advantage</span> <br> </li> <li> <span>Strong leadership and stakeholder<br> management</span></li></ul> <div> <br> </div>  <br>","Work_Experience":"5+ years","

Head of Risk

Exness

Overview <p>You will be the Head of Risk Management for Exness MENA, a local UAE entity licensed by the UAE Securities and Commodities Authority (SCA) as a Trading Broker of OTC Derivatives and Currencies in the Spot Market. This role includes managing Exness MENA risk management outsourcing arrangements with the Exness Group. You will specify and evaluate potential risks for Exness MENA, decide on handling them, observe and report on them, work to avoid them, and review and update the risk management guide according to the financial activity, purposes, and risks of Exness MENA. You will report to the Exness MENA CEO and the Board of Directors.</p> Responsibilities <ul> <li>Set up and maintain the local Risk Management Department in line with the group's strategic objectives and liaise with group functions and companies to achieve them.</li> <li>Develop the Risk Management guide in line with local regulatory requirements, present it to the Board of Directors, and update it from time to time as required.</li> <li>Register with SCA and act as the main point of contact with them in relation to Risk Management matters.</li> <li>Maintain accreditation with the SCA as Head of Risk Management by fulfilling all duties imposed by the local regulation including, but not limited to, attending trainings required for the Continuous Professional Development (CPD).</li> <li>Work closely with the Operations Manager to ensure that all required reports are filed with the competent authorities in a timely manner.</li> <li>Ensure that the daily risk management operations of the company run smoothly and in accordance with the relevant laws and directives.</li> <li>Liaise with the local CEO, Board of Directors, Operations Manager and Head of Compliance to prevent, mitigate, manage, address and report the following risks: <ul> <li>Credit Risk</li> <li>Market Risk</li> <li>Operational Risk</li> <li>Settlement Risk</li> <li>Counterparty Risk</li> <li>Commodity Risk</li> <li>Liquidity Risk</li> <li>Displaced Commercial Risk</li> <li>Cybersecurity Risk</li> </ul> </li> <li>Draft and review risk management reports to the Board of Directors and to group companies, including the implementation of the decisions taken during those meetings.</li> <li>Ensure timely reporting, escalation and closure of risk incidents raised by various internal departments.</li> <li>Ensure timely closure of findings raised by internal audit, external audit and any regulatory authority in relation to risk management.</li> <li>Identify misalignments with company objectives, take relevant remedial actions, and notify relevant stakeholders in the Exness Group.</li> </ul> What makes you a great fit <ul> <li>University degree in Risk Management or related field</li> <li>Minimum of 5 years' working experience in the CFD / FX industry or a relevant field</li> <li>Fluent in English, both verbal and written. Arabic is a plus but not a must.</li> <li>CISI exams are compulsory (1. UAE Financial Rules and Regulations and 2. Risk in Financial Services)</li> <li>Excellent numerical and analytical skills</li> <li>Ability to work under pressure</li> <li>Ability to work in a fast-paced environment</li> <li>Good communication and interpersonal skills</li> <li>Genuine interest in financial markets</li> <li>Ability to travel overseas</li> </ul> What we offer along the way <ul> <li>Competitive and attractive compensation</li> <li>Extensive learning opportunities, such as professional training and certifications, soft skills development, free English courses, and trading workshops</li> <li>Health and life insurance for employees, spouses, and children, including mental health care, and coverage for vision and dental care</li> <li>Generous time off, including 21 days of annual leave and paid sick leave</li> <li>Education allowance for your children's school and kindergarten fees</li> <li>Sports reimbursement</li> <li>Outstanding team-building experiences and Exness community gatherings</li> </ul> Your journey after applying <ul> <li>TA Interview (30 minutes)</li> <li>English capacity quiz</li> <li>Final Interview (1 hour)</li> </ul> <p><b>Sounds like you? Apply.</b></p> <p><b>Please note :</b> Exness may amend or withdraw job postings at any time, including prior to the advertised closing date. Before applying, please read our data protection policy. Our data policy describes the processing of your personal data and informs you that your data may be transferred to Exness / Exness Group companies worldwide. Exness Group and its approved recruitment consultants will never ask you for a fee to process or consider your application. Anyone who demands such a fee is not an authorized Exness representative and you are strongly advised to refuse any such demand.</p> <p>At Exness, we are an equal opportunity employer where every individual is valued. No matter your race, color, religion, sex, national origin, sexual orientation, gender identity or disability, we welcome you. As an international fintech company, we celebrate diversity and promote gender equality for all genders in our workforce.</p> <p>J-18808-Ljbffr</p>

Head of Risk Management

GODO

<p><strong>Job Location:</strong> Dubai, UAE (with flexibility for global candidates)<br> <strong>Employment Type:</strong> Full-Time   Senior Leadership<br></p>
<p><strong>Key Responsibilities:</strong></p>
<ul>
 <li> Design and implement a comprehensive risk management framework covering market, trading, operational, and liquidity risks.</li>
 <li> Monitor daily exposures, margin utilisation, leverage, and overall risk levels across all asset classes.</li>
 <li> Build and manage strong relationships with liquidity providers, prime brokers, and institutional partners to secure competitive trading conditions.</li>
 <li> Negotiate improved terms, spreads, and execution arrangements with counterparties.</li>
 <li> Conduct detailed client profiling and segmentation to manage exposure limits and margin requirements effectively.</li>
 <li> Draft and maintain risk management policies, procedures, and governance standards aligned with international regulatory expectations.</li>
 <li> Develop and oversee hedging strategies to manage trading book exposure and mitigate risk during volatile market conditions.</li>
 <li> Collaborate closely with internal departments including dealing, compliance, legal, and technology to support risk-aware decision-making.</li>
 <li> Contribute to new product and market launch decisions by assessing associated risks and defining mitigation strategies.</li>
 <li> Ensure accurate, timely reporting and escalation of risk metrics to senior management and the board.</li>
</ul>
<p><strong>Requirements:</strong></p>
<ul>
 <li> Deep understanding of foreign exchange, CFDs, indices, commodities, and other multi-asset trading environments.</li>
 <li> Proven track record of negotiating with liquidity providers and managing institutional relationships.</li>
 <li> Strong analytical skills, with the ability to interpret complex data and make informed decisions.</li>
 <li> In-depth knowledge of global regulatory frameworks, leverage policies, and risk governance requirements.</li>
 <li> Excellent communication and stakeholder management skills, with the ability to influence decisions at a senior level.</li>
</ul>
<p><strong>Why Join Us:</strong></p>
<ul>
 <li> This is an opportunity to lead a core function in a growing international financial services company. </li>
 <li> The successful candidate will have the autonomy to shape the firm s risk infrastructure, drive strategic decisions, and directly contribute to the company s success in global markets</li>
</ul>

Head Of Risk Management

PayTech Group

<p><br></p>
<p> <strong>DIVISION:</strong> Consumer </p>
<p> <strong>REPORTS TO: </strong>Group CEO / Executive Committee</p>
<p> <strong>RELEVANT </strong> <strong>EXPERIENCE: </strong>15+ years in risk management, with a minimum of 5 years in a senior leadership role within lending or financial services. Demonstrated success in building and leading enterprise risk functions in regulated environments.</p>
<p> <strong>MANDATORY REQUIREMENTS**:</strong> </p>
<ol> <li>Proven expertise in credit, operational, market, compliance, and repetitional risk.</li> <li>Strong understanding of regulatory frameworks (e.g., Basel III, IFRS 9, local central bank regulations).</li> <li>Experience with digital lending platforms and fintech risk models.</li> <li>Board-level communication and stakeholder engagement.</li> <li>Professional certifications such as FRM, PRM, CFA, or equivalent.</li> <li>Fluent in English; Arabic is a plus</li> </ol>
<p> <strong> <br> </strong> </p>
<p> <strong>PURPOSE OF THE PROJECT</strong> </p>
<p>The Chief Risk Officer (CRO) will lead the development and execution of a comprehensive risk management framework tailored to the clients lending operations. To establish and lead a robust, enterprise-wide risk management framework that aligns with the clients strategic objectives in the lending domain. The CRO will ensure that all risk types are proactively identified, assessed, mitigated, and monitored, enabling sustainable growth and regulatory compliance.</p>
<p> <strong> <br> </strong> </p>
<p> <strong>Key Activities</strong> </p>
<p> <strong>Core Responsibilities and Accountabilities</strong> </p>
<ul> <li>Develop and execute the enterprise risk strategy, policies, and procedures.</li> <li>Conduct comprehensive risk assessments of the lending portfolio and operations.</li> <li>Design and implement a risk governance framework aligned with regulatory and internal standards.</li> <li>Oversee risk identification, measurement, and mitigation across all lending products.</li> <li>Lead the development of risk appetite statements and tolerance thresholds.</li> <li>Establish risk reporting mechanisms and dashboards for executive and board-level visibility.</li> <li>Ensure regulatory compliance and manage relationships with external regulators and auditors.</li> <li>Present risk insights and recommendations to the Board Risk Committee.</li> <li>Collaborate with business units to embed risk-aware decision-making.</li> <li>Drive the implementation of risk technology tools and analytics platforms.</li> <li>Build and mentor a high-performing risk team.</li> </ul>
<p> <strong> <br> </strong> </p>
<p> <strong>KPIs</strong> </p>
<ul> <li> Reduction in non-performing loan (NPL) ratio</li> <li>Risk-adjusted return on capital (RAROC)</li> <li>Regulatory compliance score (zero non-conformities)</li> <li>Time-to-resolution for risk incidents</li> <li>Risk model accuracy and predictive performance</li> <li>Employee risk awareness index (via internal surveys)</li> <li>Timely and accurate regulatory reporting.</li> <li>Frequency and severity of risk incidents.</li> <li>Board satisfaction with risk reporting and governance.</li> <li>Implementation rate of risk mitigation actions.</li> </ul>
<p> <strong> <br> </strong> </p>
<p> <strong>Knowledge and Experience</strong> </p>
<ul> <li> Experience: 15-20 years in financial services, with at least 5 years in a senior risk leadership role. Experience in digital lending, fintech, or embedded finance is a strong differentiator</li> <li>Education: Bachelors degree in Finance, Economics, Business, or related field. A Masters degree (e.g., MBA or MSc in Risk Management) is highly preferred</li> <li>Certifications: FRM (Financial Risk Manager), PRM (Professional Risk Manager), CFA, or equivalent regulatory licenses are increasingly expected</li> <li>Deep knowledge of credit risk modelling, stress testing, and capital adequacy.</li> <li>Familiarity with digital lending ecosystems and embedded finance.</li> <li>Experience with enterprise risk systems (e.g., SAS, Moodys RiskCalc, Oracle FCCM).</li> <li>Strong analytical, communication, and leadership skills.</li> </ul>
<p> <strong> <br> </strong> </p>
<p> <strong>Mandatory Skills**</strong> </p>
<ul> <li> Strategic planning and execution</li> <li>Product innovation and lifecycle management</li> <li>Credit risk and portfolio analytics</li> <li>Regulatory compliance and governance</li> <li>Cross-functional leadership and communication</li> <li>Agile project delivery and digital transformation</li> </ul>

<div><span style="font-size: 11px;"><b>The Role</b></span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">We are looking for a Head of Operational Risk who will be a senior leader in the First Line of Defence reporting to the Chief Operating Officer, responsible for establishing, leading, and managing the operational risk function for myZoi. This role will include oversight of a team of first line Operational Risk Managers and will be critical in implementing and embedding the Operational Risk Framework, ensuring robust governance, supporting all functions on risk management and fostering a strong risk culture across the organization.</span></div><div><b><br></b></div><div><span style="font-size: 11px;"><b>What You’ll Do:</b></span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Leadership &amp; Strategy</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Lead and manage a team of first line Operational Risk Managers, providing strategic direction, oversight, coaching, and performance management.</span></div><div><span style="font-size: 11px;">Act as the primary First Line liaison for operational risk across all functions and with the Second Line.</span></div><div><span style="font-size: 11px;">Drive the implementation of the Operational Risk Framework in alignment with the Enterprise Risk Management Framework (ERMF).</span></div><div><span style="font-size: 11px;">Champion a culture of risk awareness, transparency, and proactive risk management.</span></div><div><span style="font-size: 11px;">Represent First line ops risk at Governance Forums including Executive Risk Committee</span></div><div><span style="font-size: 11px;">Risk &amp; Control Oversight</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Own the identification, assessment, monitoring, and reporting of operational risks across all business and functional areas.</span></div><div><span style="font-size: 11px;">Responsible for ensuring risk registers, obligation registers, and control libraries are accurate, updated, and reflective of the current risk landscape.</span></div><div><span style="font-size: 11px;">Oversee the execution and review of RCSA (Risk and Control Self-Assessments), control testing (Control Assessment Standards), and Key Control Indicators (KCIs) within the timelines</span></div><div><span style="font-size: 11px;">Drive continuous improvement in risk and control practices, focusing on automation, root cause analysis, and lessons learned.</span></div><div><span style="font-size: 11px;">·&nbsp; &nbsp; &nbsp; &nbsp;Coordinate evaluations of product risks, processes, outsourcing, significant events, and security risks</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">·&nbsp; &nbsp; &nbsp; &nbsp;Support control assessments and recommend actions; analyze control environment data; prepare operational risk reports.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">·&nbsp; &nbsp; &nbsp; &nbsp;Drive the Residual Risk Assessment process across all business and functional areas.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">·&nbsp; &nbsp; &nbsp; &nbsp;Responsible for owning the changes in control design and recommend changes to the second line.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">·&nbsp; &nbsp; &nbsp; &nbsp;Responsible for timely escalation of breaches to the relevant stakeholders and governance forums.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">·&nbsp; &nbsp; &nbsp; &nbsp;Provide guidance on operational risk tools and systems; own and support policy effectiveness reviews and associated exercises across first line functions.</span></div><div><span style="font-size: 11px;"><br></span></div><div><br></div><div><span style="font-size: 11px;">Business Enablement</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">As first line operational risk be part of the functions and support them in day-to-day risk management</span></div><div><span style="font-size: 11px;">Provide operational risk insight and challenge during business strategy, product development, and major project reviews.</span></div><div><span style="font-size: 11px;">Collaborate with functions to identify and mitigate risks in new products, technologies (including AI), and market expansions.</span></div><div><span style="font-size: 11px;">Support proactive risk decisions through meaningful and timely MI reporting to senior management and risk committees.</span></div><div><span style="font-size: 11px;">Governance</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;"><b>Who You Are:</b></span></div><div><span style="font-size: 11px;">You have strong communication skills, curiosity and are a quick learner.</span></div><div><span style="font-size: 11px;">You enjoy a creative fast paced agile world</span></div><div><span style="font-size: 11px;">You enjoy mentoring and teaching other developers to create a world class cohesive team</span></div><div><span style="font-size: 11px;">You are a self starter and able to drive and navigate independently</span></div><div><span style="font-size: 11px;">You enjoy making friends, having fun</span></div><div><span style="font-size: 11px;">You’re happy to dig in when all hell breaks loose!</span></div><div><span style="font-size: 11px;">&nbsp;</span></div><div><span style="font-size: 11px;"><b>What You’ll Need:</b></span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">An open and curious attitude</span></div><div><span style="font-size: 11px;">Ability to collaborate with all levels of management.</span></div><div><span style="font-size: 11px;">Able to manage conflicting priorities and situation</span></div><div><span style="font-size: 11px;">In-depth knowledge on financial service products including store value facility, retail payment services and consumer protection</span></div><div><span style="font-size: 11px;">Knowledge on technology and ICS standards including AI used for building financial services.</span></div><div><span style="font-size: 11px;">Academic or Professional Education/Qualifications, i.e. standards required for role</span></div><div><span style="font-size: 11px;">Licenses and Certifications/accreditations will be an added advantage</span></div><div><span style="font-size: 11px;">10 to 12+ years of experience in related industries</span></div>

Head of Operational Risk

Visa

<div><b>Company Description</b><p><br>
Visa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable, and secure payments network, enabling individuals, businesses, and economies to thrive while driven by a common purpose &ndash; to uplift everyone, everywhere by being the best way to pay and be paid.</p><p>
Make an impact with a purpose-driven industry leader. Join us today and experience Life at Visa.</p><b><br>
Job Description</b><p><br>
We're seeking an exceptional Head of Corporate Risk to lead the implementation and embedding of Visa&rsquo;s Enterprise, Operational, Supervisory and Third-Party Risk Management framework across Central and Eastern Europe, Middle East and Africa (CEMEA). This is a pivotal role for a hands-on risk leader who thrives on making risk management real and actionable for the business&mdash;not just theoretical frameworks, but practical tools that drive better decision-making, transparency, and mitigation.</p><p>
You'll be responsible for ensuring our payments business has robust, embedded risk practices that provide management with clear visibility into our risk landscape and enable proactive mitigation. This role requires someone who can translate complex regulatory requirements and risk frameworks into practical business applications while building strong collaborative relationships across the organization.</p><p>
Key Responsibilities</p><p><b>
Enterprise &amp; Operational Risk Management</b></p><ul><li>
Implement and embed the Enterprise Risk Management (ERM) framework across the region, ensuring it becomes an integral part of how the business operates</li><li>
Drive the adoption and operationalization of the Operational Risk Framework, making risk identification, assessment, and mitigation a natural part business</li><li>
Partner with business teams across all functions to define in-scope processes for Risk and Control Self-Assessments (RCSA), ensuring comprehensive coverage of key operational activities</li><li>
Guide and enable business teams to complete RCSAs effectively, providing hands-on support, training, and quality assurance throughout the assessment process</li><li>
Drive consistent use of risk and issue logging system (GORO) across the region, ensuring data quality and completeness</li><li>
Establish processes that translate logged risks and issues into actionable management insights, driving awareness and appropriate response at all levels</li><li>
Work with business owners to develop and track risk mitigation plans, ensuring accountability and progress monitoring</li><li>
Develop comprehensive risk reporting that provides clear insights for senior management decision-making, highlighting trends, concentrations, and areas requiring attention</li><li>
Foster a culture where business teams view RCSA and risk assessment as valuable tools for their own operations, not just compliance exercises</li><li>
Collaborate with risk teams across other sub-regions to identify emerging risks and share best practices</li></ul><p><b>
Third-Party Risk Management</b></p><ul><li>
Own end-to-end third-party lifecycle management including due diligence, onboarding approvals, and ongoing monitoring</li><li>
Embed robust vendor risk assessment processes that balance thoroughness with business agility</li><li>
Ensure third-party risks are properly identified, measured, and mitigated throughout the vendor relationship</li><li>
Collaborate with global third-party risk teams on projects and initiatives, ensuring regional alignment while addressing local requirements</li><li>
Embed and disseminate global best practices in third-party risk management across the region, adapting them appropriately for local context</li><li>
Provide timely reporting and escalation of significant third-party risks to management and risk committees</li><li>
Contribute regional insights and lessons learned to global third-party risk frameworks and standards</li></ul><p><b>
Supervisory Risk Management</b></p><ul><li>
Partner closely with Legal, Country Management, Government Engagement and Compliance teams to ensure all regulatory requirements and changes are thoroughly understood and implemented flawlessly and on time</li><li>
Translate regulatory requirements into practical business changes and control enhancements</li><li>
Maintain deep understanding of the regional regulatory landscape affecting payments operations</li><li>
Work closely with global regulatory and supervisory risk teams on cross-border projects and initiatives to ensure consistent approaches</li><li>
Adopt and disseminate global regulatory best practices while ensuring they are appropriately tailored to regional supervisory expectations</li><li>
Establish robust processes for timely reporting and escalation of regulatory risks, breaches, and supervisory matters to management and risk committees</li><li>
Ensure proactive communication with global teams regarding emerging regulatory changes and their potential regional impact</li></ul><p><b>
Risk Governance &amp; Committee Management</b></p><ul><li>
Lead and facilitate the regional risk committee, ensuring it serves as an effective forum for surfacing and discussing key risks with senior management</li><li>
Drive consistent governance standards, frameworks, and reporting templates across all sub-regional risk committees to ensure quality and comparability</li><li>
Ensure local and sub-regional risks are adequately identified, discussed, and documented in sub-regional risk committees with appropriate rigor and accountability</li><li>
Establish clear escalation protocols and criteria to ensure material risks from sub-regional committees are escalated to the regional risk committee on a timely basis</li><li>
Develop high-quality, insightful content and materials that drive meaningful management discussions and decision-making at both regional and sub-regional levels</li><li>
Create a committee environment that encourages balanced, constructive conversations about risk appetite, emerging threats, and mitigation strategies</li><li>
Ensure risk committees highlight critical risks to the business in a clear, actionable manner that prompts appropriate management attention and response</li><li>
Drive accountability for risk decisions and follow-up actions identified in committee discussions across all levels</li></ul><p><b>
Critical Skills &amp; Attributes</b></p><ul><li><b>
Entrepreneurial self-starter -</b> You take initiative, identify gaps, and drive solutions without waiting to be told</li><li><b>
Hands-on implementation expert</b> - You roll up your sleeves and get into the details&mdash;this isn't a purely strategic role</li><li><b>
Outstanding collaboration skills</b> - You build strong relationships across functions and geographies, influencing without authority</li><li><b>
Exceptional communicator</b> - Superior written and verbal communication skills with ability to articulate complex risk concepts clearly to diverse audiences</li><li><b>
Strong leadership abilities</b> - Proven team leader who can inspire, develop, and manage high-performing risk professionals</li><li><b>
Business acumen</b> - You understand how to balance risk management with business objectives and operational realities</li><li><b>
Change management capability</b> - Experience driving organizational change and adoption of new frameworks and processes</li></ul><p><b>
Personal Characteristics</b></p><ul><li>
Pragmatic and solutions-oriented mindset</li><li>
High degree of personal accountability and ownership</li><li>
Comfortable with ambiguity and able to create structure where needed</li><li>
Strong executive presence and credibility with senior stakeholders</li><li>
Resilient and adaptable in a fast-paced, evolving environment</li></ul><p>
This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.</p><b><br>
Qualifications</b><br>
<ul><li>
15+ years of extensive hands-on experience implementing ERM and operational risk frameworks at a large multinational financial institution, payments company or a consulting firm where you have implemented such frameworks</li><li>
Proven track record of successfully embedding risk frameworks into business operations&mdash;you've done this before and can demonstrate impact</li><li>
Deep practical knowledge of third-party risk management and regulatory compliance in financial services</li><li>
Experience working in or with payments, banking, or financial services regulatory environments</li><li>
Advanced degree (MBA, Master's) or professional certifications (FRM, PRM, CFA) required</li></ul><p>
Critical Skills &amp; Attributes</p><ul><li>
Entrepreneurial self-starter - You take initiative, identify gaps, and drive solutions without waiting to be told</li><li>
Hands-on implementation expert - You roll up your sleeves and get into the details&mdash;this isn't a purely strategic role</li><li>
Outstanding collaboration skills - You build strong relationships across functions and geographies, influencing without authority</li><li>
Exceptional communicator - Superior written and verbal communication skills with ability to articulate complex risk concepts clearly to diverse audiences</li><li>
Strong leadership abilities - Proven team leader who can inspire, develop, and manage high-performing risk professionals</li><li>
Business acumen - You understand how to balance risk management with business objectives and operational realities</li><li>
Change management capability - Experience driving organizational change and adoption of new frameworks and processes</li></ul><p>
Personal Characteristics</p><ul><li>
Pragmatic and solutions-oriented mindset</li><li>
High degree of personal accountability and ownership</li><li>
Comfortable with ambiguity and able to create structure where needed</li><li>
Strong executive presence and credibility with senior stakeholders</li><li>
Resilient and adaptable in a fast-paced, evolving environment</li></ul><br>
<b>
Additional Information</b><p><br>
Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.</p></div>

Senior Director - Head of Corporate Risk CEMEA

United States Citigroup

<p>Corporate Regional Markets and Public Sector (CRMPS) Underwriting is an integral part of the Institutional Credit Management ( ICM ) organization. Underwriting s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Wholesale Credit Risk and Banking s shared commitment to ensuring the safety and soundness of wholesale lending.</p>
<p>Staffers have dual responsibility of setting the direction for and leading the analysts while also acting as an Underwriter for a select number of relationships.</p>
<p>This role has responsibility for a portfolio of Corporates, Financials Institutions and Public Sector relationships in the Middle East and Central Asia. The role reports directly to the Underwriting Sub-Cluster Head for Middle East and Central Asia.</p>
<p><strong>Key Responsibilities:</strong></p>
<ul>
 <li>Accountability for ensuring risk analysis of applicable portfolio is consistent with industry leading practices and conforms to all internal credit procedures/policies, and all related regulatory expectations</li>
 <li>Undertake account allocation to various underwriters and lead the workflow allocation on a dynamic basis to support timely support to transactions while meeting KPIs on extension rates, past due ratings and past due CCMs.</li>
 <li>For a select number or relationships, act as the Underwriter working closely with Banking, Product and Risk partners.</li>
 <li>Continuous engagement with applicable Banking and Independent Risk senior stakeholders in the region to so as to understand any concerns regarding execution of risk analysis and/or emerging risks which will need to be addressed by the team</li>
 <li>Execute Underwriting Head plans, strategy and objectives for Underwriting</li>
 <li>Engage in regular dialogue with Underwriters to obtain feedback on analysts and ensure ongoing and timely feedback is provided to analysts.</li>
 <li>Identifying and delivering on the training needs of the analysts.</li>
 <li>Coaching of analysts to sustain a strong credit culture and an unwavering commitment to excellence in analysis and execution</li>
 <li>Partnering with the sub-cluster head and the MEA Underwriting Head on internal projects, transformation / productivity initiatives as well as regulatory remediation efforts. Address and escalate emerging risk concerns and to share best practices</li>
 <li>Attract, develop and retain top quality staff including as regards active engagement with regional on-campus recruiting efforts to ensure a robust pipeline of talent</li>
 <li>Support Voice of Employee (VOE) initiatives</li>
</ul>
<p><strong>Knowledge/Experience:</strong></p>
<ul>
 <li>Demonstratable financial services experience, including 7-10 years of credit experience in Banking, Credit Risk Management or equivalent credit experience</li>
 <li>Deep knowledge of Wholesale Credit Processes and organizational awareness including Underwriting functions, covered portfolios, and processes</li>
 <li>Proficient understanding of policies and procedures with the ability to execute change seamlessly</li>
 <li>Demonstrating the skills aligned with Senior Credit Officer (SCO) designation</li>
 <li>Excellent and thorough knowledge of Citi s systems</li>
 <li>Significant experience in preparing presentations for seniors</li>
 <li>Outstanding awareness and adherence to the control environment</li>
</ul>
<p><strong>Skills/Competencies:</strong></p>
<ul>
 <li>Strategic orientation to ensure the Underwriting organization continues to be positioned as a thoughtful and proactive partner on driving best practices to support safety and soundness within ICM and Citi</li>
 <li>Recognized as a skillful manager with a track record of building high performing teams</li>
 <li>Proven culture carrier</li>
 <li>Powerful interpersonal skills, with the ability to build relationships and exert influence with and without direct authority</li>
 <li>Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively with little to no supervision</li>
 <li>Highly effective written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority</li>
 <li>Advanced Microsoft Office (Word, Excel, and PowerPoint) skills</li>
</ul>
<p><strong>Qualifications:</strong></p>
<ul>
 <li>BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject</li>
</ul>

ICM Underwriter and Staffer

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Senior Director - Head of Corporate Risk CEMEA

ICM Underwriter and Staffer