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Enterprise Risk Manager (Fintech / Payments)

Enterprise Risk Manager (Fintech / Payments)

Black Pen RecruitmentWorkFromHome, Western Cape, South Africa
1 day ago
Job description

Job Type : Full Time / Permanent

Location : Johannesburg

Work Place : Remote

Reporting Line : Head of Legal (with dotted line direct to the board)

Division : Enabling

Department : Legal

Requirements

Experience :

  • Proven experience in risk management, ideally within financial services, fintech, or another regulated industry.
  • Solid understanding of risk management frameworks and corporate governance structures.
  • Strong ability to work with cross-functional teams, consolidate information, and challenge constructively.
  • Excellent reporting, communication, and stakeholder management skills - confident in presenting to senior leadership and boards.

Education & Qualifications (advantageous)

  • Degree in Commerce, Law (LLB) or Risk Management
  • Recognised professional qualification or certification in governance, risk and compliance management will be advantageous
  • IT risk experience is an advantage
  • 3 - 5 years’ experience in risk management within the financial services, banking or payment industry
  • Regulatory reporting experience is essential

    • Competencies

  • Team player - across all departments.
  • Pragmatic risk judgment - calibrates risk to business context, proposes mitigations and clear trade-offs rather than “no”, has a successful track record of aligning legal priorities with organisational objectives.
  • Bias to clarity and action - produces crisp, plain-language summaries and recommended paths and is comfortable making calls with imperfect information.
  • Prioritisation and throughput - juggles multiple matters, sets / keeps SLAs, and escalates smartly on pre-defined triggers.
  • Negotiation and stakeholder management - credible with customers and partners and balances firmness with deal momentum.
  • Ownership and reliability - high agency, low ego, high bar for quality and follow-through under pressure.

    • Responsibilities

    Risk Framework & Governance

  • Design, implement, and maintain an integrated and centralised enterprise risk management framework for our Group and / or its subsidiary companies, including policies, risk registers, reporting standards, and control documentation.
  • Work with the board and senior leadership to define, communicate, and embed our client’s risk appetite across all subsidiaries and functions of our client’s Group.
  • Ensure alignment with regulatory requirements, group procedures and audit standards.
  • Develop and maintain monitoring plans for key controls, ensuring compliance with frameworks and control environments
  • Drive a combined assurance approach, engaging assurance partners and specialists on key risk matters.
  • Serve as chairperson or participant, as appropriate, for relevant risk committees and forums ensuring agendas, minutes, and follow-ups are effectively managed.

    • Operational Risk Management

  • Oversee operational risk processes and reporting in line with the enterprise risk management framework.
  • Evaluate, monitor, and challenge internal controls through reviews, testing, and root cause analyses.
  • Ensure operational risk mitigation strategies are in place and aligned with business continuity management plans.
  • Liaise with all applicable stakeholders to ensure adherence to statutory requirements.

    • Risk Identification & Assessment

  • Facilitate enterprise-wide risk workshops and risk & control self-assessments.
  • Ensure risk identification, assessment, and monitoring of key risks across all respective risk management functions (including, Compliance, Infosec, Operations).
  • Act as second line of defence, providing challenge and oversight of risks and controls identified by business leads.
  • Support risk assessments for new products, services, business ventures, third-party arrangements, and acquisitions.
  • Anticipate and assess emerging risks, regulatory changes, and external trends relevant to our client’s operations.

    • Reporting & Escalation

  • Maintain and consolidate the enterprise risk register and related risk management systems.
  • Prepare and present enterprise risk dashboards and reports for risk committees and the board.
  • Escalate incidents, breaches, and critical risk events to relevant governance forums, ensuring lessons learned feed back into frameworks.
  • Ensure accurate, timely, and reliable data integrity in risk reporting and analysis.
  • Monitor and track action plans and remediation activities.
  • Stakeholder Engagement & Strategic Enablement
  • Partner with business units to understand drivers, concerns, and risk exposures.
  • Build a strong risk management culture through training, awareness campaigns, and guidance on the application of risk tools.
  • Review and optimise risk management processes and procedures, providing guidance on areas for improvement.
  • Drive innovation in risk capabilities and solutions that support operational efficiency.
  • Engage in cross-functional relationships to enhance the quality of risk management outcomes.

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    Risk Manager • WorkFromHome, Western Cape, South Africa