Reporting to the Chief Compliance Officer, the Risk Officer provides support in the function of Risk Management by advising the SFS Board and SFS Senior Management on any potential risks that may threaten the operations of the Financial Services (Payment Institution). The Risk Officer will identify, assess threats and come up with preventive measures and decide how to avoid, reduce or transfer risks. He or she will be responsible for managing the risk to the SFS employees, customers, reputation, assets and interests of stakeholders.
Key Responsibilities
Risk identification at the process (PDE, Operations, Finance, Compliance & AML, Security, Partnerships /PSEE) and entity level (Spendesk Financial Services)Conducts regular risk assessments either through a team of risk management experts or personally on site (France, UK, Germany)Manages and prepares all documentation related to risk assessments and reviews of standard operating proceduresSupport the Chief Compliance Officer (CCO) in the overall effective and proactive management of risk and controls to ensure quality of internal control system of Spendesk Financial Services (SFS)Work closely with SFS stakeholders to ensure existing Risk Management Framework is regularly updated and maintained, and policies, procedures, and processes alignment with Risk Management guidelines.Drive, discuss and challenge when necessary risk assessment and adequacy of controls performed by stakeholders and CCO whilst building strong and constructive relationships with stakeholders.Conduct review on level of compliance with Risk Management guidelines as well as provide independent view to SFS Risk Management on the results of controls performed and assessment, recommendations for improvement and major risks and concernsDesign and implement technology risk metrics to highlight the risk exposure of SFS buisness operations (AML, Anti-Fraud, Data, Technology, PSEE, Accounting, Regulatory Reporting, Customer Duty, Change, …).Promote awareness of risk among Spendesk Financial Services but also Spendesk Group (SAS) stakeholders and senior management and conduct training programs on trisks trends to strengthen risk cultureIndependently review and enhance the quality of SFS management oversight on risk topicsEvaluate the gravity of each risk by considering its consequencesDevelop risk management controls and systemsDesign processes to eliminate or mitigate potential risksCreate contingency plans to manage crisesEvaluate existing policies and procedures to find weaknessesDelivers regular risk analysis reports to SFS Senior Management complete with actionable plans for avoiding or preventing potential threats at all levelsHelp implement solutions and plansEvaluate employees’ risk awareness and train them when necessaryPrepare a risk-management budgetWork with the Risk champions in the various units to prepare risk registers and internal & external audits.Develop and maintain the SFS wide risk registerWho we are looking for
Excellent leadership, interpersonal, organizational and conflict management skillExcellent Analytical and Investigative skillsExcellent communication skills, both written and spoken (French & English)Ability to pay strong attention to detail and organizationMust be both a problem solver and a risk takerProficient with risk management, auditing techniques, and accounting standards and principlesExcellent IT skills and conversant with auditing information systemsUnderstanding of various payment products and risk and compliance issues related to payments including fraud prevention and Anti-Money Laundering (AML)Open to change as the team continually adopts strategy to meet evolving regulatory and controls landscape.Strong interpersonal, collaborative, and influencing skills required to drive active and robust stakeholder engagement.Good integrity, motivated and able to provide an independent opinion to functional lineVery good understanding of regulatory requirements (Banque de France / ACPR), such as DORA, DSP2, DSP3, AML Regulatory (The 6th Anti-Money Laundering Directive, …), Report on Internal Control (Arrêté du 3 Nov. 2014)Autonomous, delivery-focused focused and able to work in a fast-paced environment and tight deadlines without compromising attention to details whilst being capable of elaborating synthesis.Candidate is required to liaise with French-speaking stakeholders. Knowledge of French is essential.As we are an international team, please submit your application and CV in English.
About Spendesk
Spendesk is the 7-in-1 spending solution built for finance teams to make faster, smarter spending decisions. Founded in 2016, Spendesk is now one of the fastest-growing fintechs in Europe, with over 4,000 customers and an international team of 300+ employees based in Paris, Berlin, London, Hamburg, and remote. We’ve raised over €260M from leading investors, and been named a French tech unicorn. And we’re not stopping there!
About our people & culture
We believe that people do their best work when they’re given the freedom to thrive and grow. That’s why liberation is at the core of everything we do. We empower Spendeskers to take ownership of their work, to navigate ambiguity, and seize every opportunity. Spendeskers come from all over the world (35+ countries and counting!) but we have plenty in common: we're bold, ever-curious, committed to kindness, and tackle every challenge with a positive mindset.
About our benefits
Our culture is built on trust, empowerment, and growth — with benefits to match!
- Flexible on-site policy : 3 days on-site / week
- Lunch 60% funded by Spendesk (Swile Card)
- Alan Premium health insurance
- A Gymlib pass to let off steam after a productive day at work
- Access to Moka.care for emotional and mental health wellbeing
- Access to Vendredi allowing us to change the world
- Latest Apple equipment
- Great office snacks to fuel your day
- A positive team to work with daily!
Diversity & Inclusion
At Spendesk, we're committed to fostering an environment where all differences are encouraged, supported and celebrated. We're building our culture for everyone, with everyone. Our goal is to attract and build a diverse, equal and inclusive team, where everyone feels welcome and we truly embrace and encourage people from all backgrounds to apply.
