Risk & Compliance Manager
Country: Spain
WHAT YOU WILL BE DOING
PAGO NXT TRADE is looking for a RISK & COMPLIANCE MANAGER , based in our BOADILLA DEL MONTE office.
WHY YOU SHOULD CONSIDER THIS OPPORTUNITY
PagoNxt is a new company wholly owned by Santander that incorporates our most disruptive payments & trade businesses into a single, autonomous company, creating one of the largest private fintech companies in the world. This new company will deliver payment & trade solutions for merchants and consumers with compelling technology to become a leading global payments provider in the medium term.
In order to achieve these goals, PagoNxt is organized in three different businesses:
Merchant Solutions, for merchants and acquirers.
Trade Solutions, for corporates and SMEs.
Consumer Solutions, digital products and services for individuals.
This role will be part of our PagoNxt Trade Solutions team and will be responsible for delivering fast, efficient trade finance, supply chain and FX payments solutions for international SMEs that were once only accessible to larger corporations.
As a RISK & COMPLIANCE MANAGER , you will be responsible for leading the First Line of Defense function, providing strategic direction, and managing the leads within the team. You will do this by embedding a proactive FC risk management capability, executing core financial crime controls including assurance and reporting, providing FC support and Enhanced Due Diligence (EDD) capability within the 1st line of defense.
You will also be responsible for leading a robust 1st line of defense Financial Crime (FC) risk and control framework aligned to the policies and standards as set out by the Financial Crime Policy Team (FCPT), ensuring ongoing compliance with Group policies and minimum standards, in line with obligations to the FCA/Banco de España and other regulators. The role holder will also own the relationship between the Financial Crime Risk and Control Team and the Financial Crime Policy Team and will report directly into the Director of Operations for the EMI's.
We need someone like you to help us in different fronts:
Owns and manages FC risks resulting from its business activities.
Responsible for holding customer data and ensuring that the data is complete, accurate and readily available.
Owns financial crime risk and manages activities to remain within risk appetite, embeds an effective risk culture.
Proactively identifies, assesses, manages, and mitigates all FC risks arising from business activities.
Implements and executes financial crime controls and operational procedures, responsible for the quality and effectiveness of the FC control environment.
Provides risk management information to relevant governance committees and to internal and external stakeholders.
Proactively and appropriately engages and escalates issues in a timely manner.
Providing Financial Crime oversight of the implementation and ongoing monitoring of necessary controls to bring distribution channels in line with AML/CTF, Sanctions, ABC and Anti-Tax Evasion policies.
Conducting horizon scanning to ensure colleagues are appropriately informed of key regulatory, legislative and industry updates across the 1st Line of Defence.
Overseeing the execution of FC governance in the 1st Line of Defence, including management information and reporting.
Leading the execution of a risk-based approach to Financial Crime controls based on the Financial Crime Risk Assessment and risk appetite across the 1st Line of Defence.
Overseeing the maintenance of the Control Assurance methodology and the annual Financial Crime Assurance plan.
Monitoring adherence to the FC risk assessments, and ensuring appropriate action plans are defined and tracked in response to mitigation plans developed by the 2nd Line of Defence.
Working with Group to agree mandatory financial crime training and awareness initiatives, as well as channel specific training, to embed a strong culture of risk awareness and good conduct.
Overseeing the review of new onboarding and ongoing due diligence cases that are deemed to be higher risk, including the undertaking of enhanced due diligence (EDD), introducing decision making on higher risk cases into the 1st Line of Defence.
SKILLS & KNOWLEDGE
Passionate about providing unparalleled levels of service and convenience for customers.
Able to work and learn quickly in a fast-paced, fun, and dynamic environment.
Prepared to stick at something - as we want people who are prepared to learn and grow.
Care about doing a great job and exceeding expectations with the quality of what you do.
And... we are a Regulated Entity, so risk is a part of everything we do.
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