TRANSACTION BANKING (TXB)

We aim to build a modern and digital-first transaction banking solution to serve our clients. Our business combines the strength, heritage, and expertise of a 150-year-old firm with the agility and entrepreneurial spirit of a tech start-up. Our goal is to provide a best-in-class digital product that helps clients to succeed by giving them a holistic view of their business. Through the use of modern technology built on the cloud, we are the alternative to legacy platforms. We provide our clients a simple, intuitive, secure, and frictionless experience for domestic, cross-border and cross-currency payments. Simplifying payments, making it just as easy to pay someone across the globe as it is to pay someone around the corner. We’re a team of diverse experts helping our clients to build the future of their Treasury.

EXPERIENCE & QUALIFICATIONS

• 10+ yrs of experience in financial services with a focus on transaction banking, treasury services, or corporate banking - ideally from a 1st Line of Defence perspective
• Demonstrated expertise in client activity monitoring, financial crime compliance risks, fraud prevention and detection, and other operational risks
• Deep understanding of EMEA regulatory landscape and supervisory priorities
• Effective communication and leadership ability to drive results - in particular, candidate should be able to lead and drive results across products and functions absence of reporting lines
• Ability to build rapport and work closely with key stakeholders
• Risk based thinking and analytic mindsetSelf-starter who can roll up their sleeves and work independently in a start-up like environment

ROLE OVERVIEW

The TxB International Risk Manager plays a critical role in identifying, assessing, and mitigating risks within the Transaction Banking business. You will be responsible for oversight of a regional risk strategy across all risk disciplines including financial crime compliance risks, execution and process risks, financial risks, and resilience. You will ensure that growth is underpinned by a robust and forward-looking risk culture, aligned with both global frameworks and EMEA regulatory requirements. You will report to the TxB Global Head of Risk, while acting as a senior leader within the broader EMEA management team.

KEY RESPONSIBILITIES

• Develop and lead a high-performing EMEA risk team while fostering connectivity with regional and global stakeholders
• Represent Risk in regional TxB leadership forums, risk councils, client selection forums, new product approvals, and change management programs
• Advise business leaders on risks related to client onboarding, new client or product expansion, and provide insight and challenge to ensure commercial growth remains within risk tolerance and strategic objectives
• Oversee global client activity monitoring processes to ensure that ongoing client behavior, transaction patterns, and account usage remain within risk appetite. Partner with Compliance to assess risk signals, usage drift, or emerging concerns requiring action or escalation
• Oversee the global fraud risk strategy, monitoring frameworks, and incident response; and serve as escalation point for potential fraud events and collaborate with global fraud operations
• Own regional accountability for business continuity, crisis management, and operational resilience planning across critical business services; ensure compliance with regulatory resilience requirements and internal policy standards
• Work with Compliance and Legal to interpret and translate regulatory obligations and reporting requirements into operational and actionable working practices
• Act as the key Risk contact for regional regulators; support regulatory submissions, risk-related inspections; stay ahead of regulatory change and adapt to risk programs accordinglyDrive a proactive and embedded risk culture across all lines of defense