Head of Trust & Risk Operations

YocoCape Town, ZA

1 day ago

Job description

Job title : Head of Trust & Risk Operations

Job Location : Western Cape, Cape Town

Deadline : November 29, 2025

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About the role

We're looking for a seasoned leader to head up Trust & Risk Operations - the team that protects and scales trust within Yoco’s ecosystem.

You’ll lead first-line operational controls for merchant onboarding, usage, payouts, disputes, and fraud investigations - turning risk appetite and policies into fast, accurate, and low-friction systems that scale with Yoco’s growth.

Operating as the first line of defence, you’ll ensure control effectiveness, evidence assurance, and operational excellence in close partnership with Risk, Compliance and Product.

You’ll build systems and teams that keep merchants safe and successful - reducing losses without blocking growth, and ensuring trust scales alongside merchant confidence.

What you will be doing

Lead and scale Trust & Risk Operations across KYC, AML, fraud, disputes, and risk escalations

Build and empower high-performing teams with deep investigative skills and controls capability

Translate risk appetite and policies into evidenced, first-line systems and playbooks

Design & run merchant lifecycle controls : onboarding, payouts, collections, complaints-risk

Oversee investigations and incident response, ensuring root-cause analysis, and upstream fixes across the ecosystem

Partner closely with second-line teams on control assurance and governance

Own risk signal intelligence and drive control improvements across Product, and Ops

Champion automation, tooling, and process design that makes trust scalable

Represent Trust & Risk Ops in governance forums and with external partners (e.g. regulators)

About you

8–12 years’ experience in Risk, Trust, or AML operations, including 4–5 years in senior leadership roles

Proven ability to build and scale systems, teams, and controls in high-complexity environments

Deep operational expertise in fraud, CDD, AML, chargebacks, and dispute management

Experienced in operating as the first line of defence, ensuring effective controls and credible assurance outcomes

Skilled in working across Risk, Product, Engineering, Compliance, and Customer Operations to balance growth and integrity

Data-driven and automation-minded - you use insight and systems to strengthen control effectiveness and efficiency

Calm under pressure, structured in ambiguity, and trusted by senior stakeholders, regulators, and partners

Purpose-driven and commercially minded, you see trust & risk ops as an enabler of sustainable growth

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