Head of Risk

Head of Risk & Compliance

Bitstack

ABOUT BITSTACK It all started with an idea in 2021. Initially built to democratize Bitcoin in France, Bitstack has gone from a simple product that invests spare change in bitcoin, to a crypto-native bank bringing a better way to save, spend, and grow money to our 300K+ users. We want to rebuild finance from the ground up to empower people to achieve financial freedom by participating in a more open and inclusive financial system. We’re a small, ambitious team of operators. We believe in moving fast, sweating the details, and creating products people truly love. At Bitstack, you’ll have the opportunity to shape not just our products, but the culture and practices of our entire organization. Bitstack is backed by YC, leading VCs like 13books Capital, Stillmark, Serena, and many more. We are building a product our users love and we are just getting started! THE ROLE Bitstack is hiring a Head of Risk & Compliance to lead its risk and compliance function at a defining moment for the company. Bitstack is moving from a single-product offering to a multi-product platform, expanding across European markets, and transitioning from PSAN to PSCA (MiCA) registration. The compliance function sits at the centre of that evolution. The Head of Risk & Compliance will own Bitstack's AML-CFT framework, regulatory positioning, and compliance operations end-to-end. This is a strategic and hands-on role with direct exposure to the co-founders and leadership team, and significant scope to shape how the function scales. WHAT YOU'LL BE DOING REGULATORY & GOVERNANCE LEADERSHIP * Lead Bitstack's regulatory compliance strategy across MiCA/CASP, payments, and EMI activities. * Build, manage, and continuously improve scalable governance, escalation, and internal control frameworks across entities and products. * Primary point of contact with the AMF and ACPR, ensuring timely response to all regulatory obligations and requests, while securing, maintaining, and scaling Bitstack's regulatory licences across EU markets. * Oversee regulatory audits, inspections, independent controls, and remediation plans. * Support and monitor regulatory developments across MiCA, AML/CFT, PSD2, EMI, payments, stablecoins, and digital assets, and translate them into operational actions. * Act as the primary TRACFIN correspondent and declarant, taking full ownership of suspicious activity reporting, enhanced due diligence processes, sanctions governance, high-risk customer management frameworks, and all related regulatory reporting obligations. RISK & COMPLIANCE OPERATIONS * Manage all operational AML and fraud compliance frameworks ( including KYC/KYB, EDD, PEP, transaction monitoring, sanctions screening, fraud escalation, adverse media reviews) * Ensure compliance operations scale effectively as Bitstack expands across products and markets. * Drive operational excellence across compliance workflows, tooling, SLAs, and remediation processes. * Build dashboards, KPIs/KRIs, reporting, and governance processes to improve visibility and control. * Strengthen Bitstack's internal control framework and operational risk management capabilities. * Oversee third-party compliance providers, outsourced controls, and operational risk related to external partners and regulated service providers. PRODUCT & BUSINESS PARTNERSHIP * Work closely with Product, Engineering, Design, Operations, and Customer Care to embed compliance into product development from day one. * Translate complex regulatory requirements into pragmatic product and operational decisions. * Act as a business partner to leadership teams while maintaining strong regulatory rigor. * Support the launch of new products, markets, partnerships, and regulated activities. LEADERSHIP & TEAM BUILDING * Scale and develop the Risk & Compliance organization as Bitstack grows. * Recruit, mentor, and structure high-performing compliance, risk, and internal control teams. * Build a culture of ownership, operational rigor, transparency, and sound risk management. * Lead company-wide compliance training, awareness, and risk culture initiatives. WHAT WE'RE LOOKING FOR * 6+ years of experience in compliance, including significant senior-level exposure with management responsibilities, ideally within fintech, e-money, or digital assets. * Strong working knowledge of AML/CFT, KYC/KYB, PSD2, EMI regulation, and MiCA/DASP frameworks; AMF certification (or equivalent) and ACAMS certification are a plus. * Demonstrated experience managing regulatory examinations, independent audits, and external compliance relationships. * Experience building or scaling compliance functions in a fast-moving environment - comfortable with ambiguity and high ownership. * Strong product instinct - able to engage credibly with Engineering and Product teams and translate regulatory requirements into practical product decisions. * Languages: fluent in French, professional working proficiency in English. INTERVIEW PROCESS 1. Introductory Call (30 min) An initial conversation with our People Lead to get to know you better, share more details about the role, and give you an overview of the process. 2. Business Case Interview with the CEO (60 min) An applied exercise on a topic relevant to the role — such as MiCA transition planning, an AML framework review, or a product compliance challenge — to assess your technical depth and practical judgment. 3. Interview with the Risk & Compliance Team (60 min) A deeper conversation with your future teammates covering day-to-day collaboration, technical experience, and team fit. 4. Behavioural Interview with the Leadership team (60 min) A conversation centred on your experiences, decision-making, and collaboration style. We'll discuss real-world scenarios to understand how you navigate complex compliance challenges, stakeholder dynamics, and cross-functional work. PERKS & BENEFITS 🌎 Work from our office in Paris (Bourse) or Remote 🕑 Flexible working hours 👩‍⚕️ One of the best health insurance plans with 100% employer contributions 🏄 Monthly team activities and annual offsites 🍉 Swile meal vouchers 🤑 Competitive salary based on experience & generous Bitstack stock options DIVERSITY & INCLUSION We hire talented and passionate people from all kinds of backgrounds, we don’t care about your age or where you studied. If you’re excited about the role but your past experience doesn’t match every bullet point in the job description, we still encourage you to apply. What matters most is that you’re a builder at heart, you share our values, and you’re enthusiastic about our mission. #LI-TT1

Head of Risk UK

Capital.com

We are a leading trading platform that is ambitiously expanding to the four corners of the globe. Our top-rated products have won prestigious industry awards for their cutting-edge technology and seamless client experience. We deliver only the best, so we are always in search of the best people to join our ever-growing talented team. The Head of Risk will be the accountable risk leader for the UK entity, responsible for ensuring that all material risks affecting UK clients, regulatory posture, and operational resilience are identified, assessed, monitored, and reported effectively. This is a broad role covering financial risk (excluding direct dealing oversight), operational risk, conduct risk, and third party/outsourcing risk. A defining characteristic of this role is its operating model. Many core risk functions are delivered by the Group Risk team on an outsourced or shared services basis. The Head of Risk does not need to build and staff every capability locally. Instead, they must be skilled at managing outsourced service delivery: defining what the UK entity requires, holding Group Risk accountable for quality and timeliness, identifying gaps or conflicts between Group delivery and UK regulatory obligations, and escalating where service levels or outputs fall short. This creates a dual mandate. The role holder must be a credible, senior risk professional who can engage substantively with risk content (frameworks, stress tests, MI, regulatory submissions). They must also be an effective governance operator who can manage intra group outsourcing relationships with the same rigour the FCA would expect for any outsourced critical or important function. The role reports directly to the UK CEO with a functional dotted line to the Group CRO. The Head of Risk will be the primary risk voice in UK governance forums and the lead point of contact for FCA supervisory engagement on risk matters.

Head of Risk - 100 % (f/m/d)

TradeXBank

WHAT WE ARE LOOKING FOR We are seeking an experienced and highly skilled Head of Risk leading the Bank’s Risk Department and ensuring the development and implementation of the Bank's risk strategy and risk appetite framework. YOUR RESPONSIBILITIES As the Head of Risk you oversee the Bank's risk management function, including credit, market, operational risks, ensuring that risks are identified, assessed, monitored and managed within approved limits and in accordance with applicable regulatory requirements. You contribute to the Bank's long-term stability and sustainable growth through effective risk oversight and a strong risk management culture. Your main responsibilities are: * Team Leadership: Build and develop the Risk team, fostering risk culture and enhancing both technical and soft skills. Define priorities, monitor performance, and drive productivity while maintaining rigorous risk standards. * Regulatory & Audit Interface: Serve as primary contact for supervisory authorities and auditors. Prepare materials for monthly supervisory calls and reviews, lead audit engagements, and oversee timely remediation of findings. * Executive Reporting: Deliver regular risk reports to the CEO, CRO, Executive Board, and Board of Directors. Provide independent second-line advice on risk strategy, emerging risks, and strategic initiatives. * Strategy Oversight: Analyze and support business line risk strategies, ensuring proper implementation and alignment with the bank's risk appetite. * Framework Development: Design, enhance, and maintain the risk supervision framework, policies, and procedures in line with regulatory requirements and market best practices. * Risk Monitoring & Governance: Participate in ex-ante and ex-post risk decisions (credit limits, transaction financing, risk ratings). Organize and conduct Risk Committee meetings. * Culture & Change: Drive change management initiatives and actively promote a strong risk culture across the organization. * Budget Management: Prepare and monitor the annual Risk Department budget. YOUR PROFILE Core Expertise: * Deep knowledge of credit risk, market risk, and operational risk within CTF/structured finance * Experience across inventory financing, borrowing-base facilities, and receivable financing * Enterprise Risk Management framework expertise (COSO ERM), including governance and internal control design * Strong understanding of Swiss banking regulations, FINMA requirements, and Basel III framework * AML/KYC/sanctions compliance knowledge an asset * ESG integration experience within risk frameworks an asset Leadership & Stakeholder Management Skills: * Proven track record building and developing high-performing risk teams * Demonstrated experience engaging with regulators, auditors, and rating agencies * Ability to communicate complex risk matters to CEO, Executive Board, and Board of Directors * Strong change management and risk culture transformation experience Other Skills: * High integrity and ethical standards * Adaptable, resilient, and results-oriented * Collaborative mindset with ability to work across business lines, Compliance, and Audit Education & Background: * Master's degree in Finance, Economics, Business Administration, or related field * Minimum 15 years of risk management experience, preferably in commodity trade finance or structured trade finance * At least 10 years in senior risk management positions * Professional certifications (CFA, FRM, PRM) and membership in GARP or IRM preferred YOUR TEAM * Dynamic, performance driven and international team  * Good team spirit * Up for growth WHAT WE OFFER * An exciting place to work where you can be part of a growth and success story * A great opportunity for professional development * Competitive remuneration and benefits package * Flexible working hours and possibility for remote work