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Thunes is a global leader in cross-border payments, enabling businesses and financial institutions to move money seamlessly across borders with payout options in over 130 countries.
As Financial Risk, Financial Controls, and Safeguarding Manager, you will serve as a critical lead in Thunes' Second Line of Defense (2LoD), reporting directly to the Global Head of Risk / CRO. You will design, implement, and oversee the global governance framework for financial risk, capital management, internal financial controls, and regulatory safeguarding across all regulated entities globally.
Key responsibilities include:
• Establish, maintain, and enhance the global financial risk management framework, policies, and risk appetite statements spanning liquidity, FX risk, market risk, credit/counterparty risk, and capital adequacy.
• Provide rigorous 2LoD oversight of Thunes' safeguarding obligations across major regulatory jurisdictions (FCA in the UK, EU Regulators, MAS in Singapore, and frameworks across EMEA and the Americas). Conduct independent testing of safeguarding logic, reconciliation mechanisms, and fund segregation accuracy.
• Evaluate, challenge, and strengthen internal financial controls and risk management processes managed by Finance and Treasury teams. Partner with teams to embed a robust control culture and mitigate financial misstatement or operational leakage.
• Review and provide independent challenge on Group Treasury activities, including investment policies, hedging strategies, bank counterparty concentration limits, and liquidity stress testing scenarios.
• Monitor evolving regulatory landscapes regarding safeguarding, operational resilience, and capital management across the UK, EU, APAC, EMEA, and Americas. Ensure policies adapt fluidly to local and regional compliance developments.
• Draft, compile, and present comprehensive financial risk and safeguarding dashboards for the Risk Committee, Board, and executive leadership, highlighting breaches, near-misses, and emerging vulnerabilities.
• Investigate financial risk incidents and/or safeguarding issues, driving root cause analysis and monitoring the implementation of robust remediation plans by 1LoD partners.
You will work closely with Group Finance and Treasury teams to ensure Thunes effectively manages liquidity, FX, credit, counterparties, and safeguarding obligations across all regulated entities globally.
REQUIREMENTS:
• 10+ years of dedicated experience in Financial Risk, Treasury Risk, Financial Controls, or Risk Management within the Fintech, Cross-Border Payments, or Neobanking industries.
• Deep understanding of global regulatory safeguarding rules (UK FCA Payment Services Regulations, EU PSD2/PSD3, Singapore MAS Payment Services Act, and equivalent frameworks across the Americas and EMEA).
• Proven experience operating effectively within a Second Line of Defense (2LoD) framework, demonstrating strong analytical capability combined with the ability to independently collaborate and challenge 1LoD Finance and Treasury teams.
• Solid technical knowledge of treasury operations, FX risk, cash management, liquidity modeling, bank reconciliations, and capital adequacy metrics.
• International/global perspective with direct experience working across multi-jurisdictional and regulated payment ecosystems (EU, UK, EMEA, APAC, and Americas).
• Professional qualification (FRM, PRM, CFA, ACA, ACCA, CIMA, or equivalent corporate treasury/risk management credential) highly desirable.
• Exceptional communication and stakeholder management skills, capable of translating complex financial risk concepts into actionable governance insights for senior leadership and regulators.
• English / Spanish / French are a plus for the role.
