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Senior Analyst, Enterprise Risk Management

Payoneer - Madrid, Spain - Hybrid - posted 2026-09-16

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Payoneer is a global financial platform founded in 2005 that removes friction from cross-border business. The company serves over 2,500 colleagues worldwide and operates in over 190 countries and territories, offering solutions spanning global payments, compliance, multi-currency management, workforce management, working capital, and business intelligence. The Senior Analyst, Enterprise Risk Management will support Payoneer's enterprise-wide risk governance, reporting, event management, and oversight processes. This is a hands-on role that combines ERM expertise with business partnership, serving as a risk advisor to key departments across the organization. Key responsibilities include: - Acting as the ERM business partner for assigned departments, building strong relationships with business leaders and risk owners - Developing detailed understanding of assigned departments' objectives, products, services, processes, dependencies, regulatory obligations, and risk exposures - Leading stakeholder interviews, risk assessment sessions, and risk deep dives to identify and evaluate current, emerging, and strategic risks - Supporting and leading core ERM initiatives including enterprise risk assessments, risk monitoring, risk appetite and KRI activities, risk event analysis, issue tracking, and management reporting - Providing constructive Second Line challenge regarding risk ratings, control effectiveness, mitigation plans, and risk acceptance decisions - Analyzing risk assessments, risk events, issues, KRIs, audit findings, and control information to identify trends, concentrations, and emerging concerns - Translating complex business information into clear, actionable risk insights for management and governance forums - Monitoring changes in business strategy, products, processes, technology, and external environment to identify potential changes to risk profile - Partnering with Compliance, Information Security, Legal, and Audit functions to develop integrated risk oversight - Preparing risk reports, dashboards, presentations, and governance materials for senior management and stakeholders - Monitoring agreed risk mitigation activities and supporting follow-up and escalation - Supporting continuous improvement of ERM methodologies, tools, templates, and processes - Promoting risk awareness and strong risk culture through stakeholder engagement and training - Leading assigned ERM projects and workstreams, coordinating stakeholders and managing timelines The role operates in a fast-paced, global fintech environment and requires comfort with engaging stakeholders at different levels and operating in a regulated business context. Requirements: - Strong understanding of enterprise risk management and Second Line responsibilities, including independent oversight, constructive challenge, risk aggregation, monitoring, and reporting - Working knowledge of core risk management concepts including inherent and residual risk, control effectiveness, risk appetite, KRIs, risk events, issues, and mitigation planning - Strong business acumen and curiosity, with ability to understand different departments, business models, processes, and risk profiles - Ability to conduct effective interviews, facilitate risk discussions, ask relevant questions, and constructively challenge stakeholders - Strong analytical and critical-thinking skills, with ability to identify patterns, connect information from multiple sources, and develop meaningful risk insights - Ability to build trusted relationships and work effectively with business leaders, subject matter experts, and other risk and control functions - Ability to lead defined initiatives and manage deliverables from planning through analysis, reporting, and follow-up - Strong organization and project management skills, with ability to manage multiple priorities and meet deadlines - Ability to work independently while collaborating effectively within a global and cross-functional team - Comfortable operating in a fast-paced, evolving, and regulated business environment

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