Treasury Risk Manager

Monzo

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.  With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ----------------------------------------------------------------------------------------------------------------------------------   📍Dublin, Ireland | 💰 €92,000 - €112,000, Incentive Awards tied to your performance ➕benefits | Hear from the team ✨ ⭐Our Risk team This role sits within our 2nd line of defence risk management team. Acting as a senior technical specialist within the Financial Risk function, it will involve supporting the Director in delivering robust oversight across several financial risk disciplines. The role has a strong focus on IRRBB, capital adequacy and stress testing (ICAAP), and liquidity and balance sheet risk (ALM), ensuring that frameworks, models, and methodologies are fit-for-purpose, compliant, and aligned with regulatory expectations. The role you are applying for is a Controlled Function (CF-2) within the meaning of the Central Bank Reform Act, 2010. For this role, appointment will be conditional on Monzo being fully satisfied that the appointee meets the requirements as set out in the Fitness and Probity Standards issued by the Central Bank of Ireland. As a CF, the role holder will be subject to Conduct Standards under the Central Bank of Ireland Individual Accountability Framework (IAF) and will be required to take reasonable steps to ensure that the relevant conduct standards are met. 🔑You’ll play a key role by… Driving delivery of the Financials Risk Functions objectives across the following areas of responsibility: Technical Leadership – Financial Risk Models & IRRBB * Leading independent 2LoD validation and review of financial risk models, with a focus on; Interest Rate Risk in the Banking Book (IRRBB), behavioural models (e.g. deposits, prepayments) and hedging strategies and valuation approaches * Assessing model design, assumptions, limitations, and performance, ensuring alignment with regulatory expectations (e.g. EBA IRRBB guidelines) * Providing independent technical challenge to first line model development and usage * Overseeing overarching model governance, including validation cycles, documentation standards, and model risk controls * Supporting development and enhancement of IRRBB measurement methodologies (e.g. EVE, NII metrics) Capital Adequacy, ICAAP & Stress Testing * Playing a leading role in ICAAP development, review, and ongoing enhancement * Providing independent oversight and challenge of; capital adequacy assessments, risk quantification methodologies, scenario design and stress testing frameworks and risk appetite calibration * Designing and reviewing stress testing scenarios (macroeconomic, idiosyncratic, reverse stress) * Assessing capital planning and forecasting, including base and stressed balance sheet projections * Ensuring ICAAP documentation meets regulatory standards and audit expectations * Supporting interactions with regulators on capital-related topics Liquidity Risk & Treasury Oversight (ALM) * Providing 2LoD oversight of liquidity risk and funding frameworks, including ILAAP and liquidity risk metrics (LCR, NSFR, survival horizon) * Reviewing and challenging Treasury activities, including; balance sheet management, funding strategies and wholesale credit exposures * Assessing assumptions underpinning liquidity stress testing and contingency funding plans * Providing oversight of ALM practices, including interest rate positioning and structural hedging * Supporting review of Recovery Plan and Solvent Wind Down (SWD) from a liquidity and funding perspective Risk Monitoring, Reporting & Regulatory Submissions * Leading production and independent review of financial risk MI (capital, liquidity, IRRBB), stress testing outputs and sensitivity analysis * Reviewing and challenging key regulatory submissions, including; ICAAP and ILAAP, pillar 3 disclosures, recovery plan and SWD * Ensuring data integrity, traceability, and auditability of risk outputs * Identifying emerging risks and escalate material issues appropriately Business Partnering & Expert Challenge * Acting as a technical advisor to Treasury, Finance, and Risk teams * Providing credible and constructive challenge on methodologies, assumptions, and decision-making * Supporting the embedding of robust financial risk practices across the organisation * Contributing technical expertise to strategic initiatives (e.g. product launches, balance sheet optimisation) Governance & Committees * Supporting preparation of materials for ALCO and Executive and Board Risk Committees * Presenting technical analysis and insights where required * Supporting escalation and documentation of key financial risk issues Regulatory & Control Environment * Ensuring alignment with CBI, EBA, and other applicable prudential regulations alongside internal financial risk frameworks and policies * Supporting adherence to fitness & Probity standards and individual Accountability Framework (IAF) Conduct Standards * Maintaining high standards of documentation, controls, and audit readiness 🤩 We’d love to hear from you if you have…… * Strong technical expertise in one or more of IRRBB modelling and measurement, capital adequacy and ICAAP, liquidity risk and ALM * Experience in model validation, quantitative analysis, or risk methodology development * Deep understanding of prudential regulation (CRR/CRD, EBA guidelines, ICAAP/ILAAP expectations) * Strong analytical and problem-solving skills with attention to detail * Ability to challenge effectively and communicate complex concepts clearly to senior stakeholders * Experience working with Treasury, Finance, or Risk teams in a banking environment 🙌What’s in it for you 💰A salary range of €92,000 - €112,000 ➕Incentive Awards tied to your performance. 📍This role will have a hybrid working model, based in our Dublin office 2 - 3 days a week. ⏰We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team.  🏝 Annual Leave - 34 days including public holidays (24 holiday days + 10 public holidays) 📚€1,200 learning budget each year to use on books, training courses and conferences. 🏥Private healthcare scheme 💰Pension scheme: the minimum contribution is 4% and Monzo matches any additional contributions that you make up to a maximum of 6% 💛Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and counselling 🌈 The application journey has 4 key steps * An introductory call with a member of the Monzo Recruitment team * An initial call with the hiring manager * A series of role specific, behavioural & leadership principles interviews * Final stage interview This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible!  We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here. We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.  #LI-ÉS1 ---------------------------------------------------------------------------------------------------------------------------------- Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

Wireless Logic

What we’re all about: Any company can tell you about how they are a multi award winning, market leading business and yes, we are both of those things in the world of IoT connectivity! But we’re more than that. 🌍✨ Our mission? To make IoT management a breeze for any device, anywhere. With over 20 million IoT subscriptions active in 165 countries and direct partnerships with 50+ mobile networks, we connect you to more than 750 networks worldwide, delivering unmatched value across the IoT connectivity chain. Innovation is in our DNA, and we have an insatiable hunger to ‘wow’! 🚀 While we may not always get it right, our drive to collaborate, innovate, and achieve top-notch customer satisfaction never wavers. We offer industry expertise, stellar service support, and the most flexible, resilient, and secure connectivity solutions on the market. Our expertise spans across various sectors, including industry, agriculture, healthcare, security, transport, utilities, and smart cities. IoT… a fancy acronym or a secret code? The Internet of Things (IoT) is like the magical glue that keeps the world connected! 🌐✨ From ordering your favourite takeaway to the ANPR technology that helps you find a parking spot, IoT is everywhere—even if you don’t realize it. At Wireless Logic, we provide cutting-edge connectivity solutions and technologies to ensure a vast array of devices stay seamlessly connected. Join the Wireless Logic Adventure! Role Overview: We are seeking an experienced and highly technical Senior Treasury Manager to take ownership of key treasury activities across foreign exchange risk management, liquidity strategy, debt management and treasury operations. This role will have hands-on responsibility for treasury execution and will be expected to lead and support treasury initiatives. The successful candidate will combine strong technical treasury expertise with commercial awareness, supporting strategic decision-making while ensuring robust treasury operations across the Group. Your Daily Quest:🌎 Liquidity & Cash Flow Management * Own Group-wide liquidity forecasting and planning. * Develop and implement a TMS tool for bank monitoring, cash forecasting and scenario modelling capabilities. * Optimize global cash deployment and funding structures. * Drive improvements in working capital and cash efficiency. Foreign Exchange Strategy & Risk Management * Lead management of global FX exposures across multiple currencies. * Design and execute FX hedging strategies to protect earnings and cash flows. * Monitor hedge effectiveness and exposure reporting. * Develop FX forecasting models and risk analytics. * Partner with commercial, M&A and finance teams to identify emerging currency risks. Treasury Operations & Controls * Ensure robust treasury controls and governance. * Oversee treasury systems and banking infrastructure. * Lead treasury process improvement initiatives. * Ensure treasury activities are compliant, auditable and scalable. Debt Management & Capital Structure * Support management of £1bn+ debt facilities and financing arrangements. * Monitor covenant compliance and lender reporting obligations. * Support refinancing activities and new debt transactions. * Model debt servicing requirements and funding scenarios. Strategic Treasury Projects * Lead treasury transformation initiatives. * Evaluate treasury technology and automation opportunities. * Support M&A activity, integrations and international expansion. * Partner with senior stakeholders on treasury-related decision making. Banking & External Relationships * Manage key banking relationships. * Support negotiations with banking and financial institution partners. * Drive optimization of banking structures and services globally. The Secret Sauce:🍨 * 6+ years treasury experience within a multinational environment. * Strong expertise in FX risk management and hedging. * Experience managing significant debt facilities. * Advanced treasury modelling, including cashflow forecast, investment analysis and risk assessment. * Strong understanding of treasury accounting and hedge documentation. * Experience within private equity-backed, telecoms, SaaS or international businesses highly desirable. * Ability to operate independently and influence senior stakeholders. * Ability to analyze complex data sets across legal entities, currencies and debt structures, using tools like Excel, and potentially PowerBI, or Tableau. * Advanced Excel skills essential Key Technical Skills: Foreign Exchange & Hedging * FX exposure management * Forward contracts * Options and hedging instruments * Hedge effectiveness analysis * Treasury risk management frameworks Liquidity & Funding * Liquidity modelling * Cash forecasting * Capital allocation * Intercompany funding structures * Cash pooling and sweeping Debt & Capital Markets * Debt covenant management * Facility utilization analysis * Interest rate risk management * Refinancing support * Debt reporting and compliance Treasury Technology * Treasury Management Systems (TMS) * Banking platforms * Power BI / Tableau * Advanced Excel modelling * Treasury automation Why Come Work With Us?👋 Here’s why we’re confident you’ll love being part of our team: * 🚀 The chance to join a creative, entrepreneurial company where bold ideas are celebrated. * 🎓 Full training, ongoing support, and the tools to help you thrive and grow in your role. * ❤️ We’re a company with heart. We genuinely care about our people and make sure everyone feels valued, respected, and part of the family. Overview of interview process at Wireless Logic: * Tele Interview – Meet the TA team😊 * 1st Interview (Virtual) - Meet your manager 😀 * 2nd Stage - Meet your peers😁 * Final Stage - Meet our leadership🙂 If you require reasonable accommodation during the application and selection process, please let us know. We will work together to best meet your needs. Ok, I'm Interested, What’s Next?🙌 Thank you so much for your interest in Wireless Logic Group, we appreciate the time and emotion that goes into an application.  We will review all applications within five working days and be in touch with those who have been shortlisted to the next stage. Unfortunately, due to volume we are not able to get back to everyone individually so if you have not heard back from us unfortunately you have not been successful on this occasion but would love to stay in touch for future opportunities.  We know the world has changed, and we want to offer our employees the chance to collaborate at our unique office spaces, whilst enjoying the convenience of working from home. We've adopted a hybrid working approach to give more flexibility on where and how we work. You'll find out more about what this means for this role during the recruitment process, but we are currently excited to have our employees experience our office culture as much as possible.   Wireless Logic Group unites and brings people together. We accomplish this when we lead with a lens of diversity, equity, and inclusion in everything we do. As a global company that drives culture we aim to reflect the world’s diverse voices both internally and externally to ensure success in our mission.   By applying for this role, you are consenting for us to hold and process your data in compliance with the General Data Protection Regulations. If you have any questions or wish to exercise your right to access, erase or restrict the holding or processing of your data please contact us (recruitment@wirelesslogic.com) and we will respond to your query as soon as possible.

Luno

ABOUT US: Luno is the crypto investment app you can rely on, enabling you to buy, store and explore crypto securely. We’re committed to putting the power of cryptocurrency in everyone's hands sensibly and responsibly. Since 2013, we’ve helped millions of people around the world invest safely in crypto. We do this by cutting through the hype and supporting customers at every step of the way. All products and cryptocurrencies on our platform must first meet stringent legal, risk and technical security standards. We don’t do memecoins. Transparency is key for us. Luno stores all crypto on a 1:1 basis and we have rigorous processes in place so you can be confident your investment is secure. We’re available in more than 40 countries around the world and we work closely with respective regulators in all of these markets to be fully compliant, as we believe this is the best way to help everyone, everywhere, invest safely. ABOUT THE TEAM: Luno is a market leading crypto exchange on a mission to put the power of crypto into everyone’s hands. You will report to Louis van Wyk in the Treasury team, based in Cape Town. This is an amazing opportunity to join a talented and collaborative Finance function.  THE ROLE IN A NUTSHELL: As Senior Group Treasury Manager, you will be the senior individual contributor leading Luno's cash and liquidity management pillar. You will own the strategy and execution of funding, liquidity, and FX/cryptocurrency exposure management across all of Luno's markets, ensuring the business has the right capital in the right place at the right time. While not directly managing a team, you will provide expertise and guidance to junior treasury operations roles on workstreams within your pillar. YOUR MISSION WILL BE: Liquidity & Funding Strategy * Forecast and manage fiat and cryptocurrency liquidity needs across all platforms, venues, and markets. * Develop and execute strategies to optimise funding efficiency and minimise liquidity risk. * Manage foreign exchange and cryptocurrency exposure, ensuring alignment with overall financial objectives and risk appetite. * Lead the development and execution of strategies for liquidating cryptocurrency positions to optimise revenue and manage risk. Banking & Payment Provider Relationships * Manage relationships with existing banking and payment provider partners to ensure smooth funding and settlement operations. * Lead the onboarding of new banking and payment partners as the business expands into new markets, ensuring compliance with KYC and regulatory requirements. * Oversee annual KYC refreshes for existing banking and liquidity partners. * Support business expansion into new countries by establishing and managing relationships with relevant financial partners. Financial Analysis & Reporting * Prepare financial analysis and calculations for licensing and capital requirements across all regions. * Distribute liquidity and funding performance metrics to relevant stakeholders and provide insights for decision-making. * Support treasury risk reporting, including preparation of inputs for the Treasury Oversight Committee (TOC) and Treasury Risk Committee (TRC). Collaboration & Continuous Improvement * Collaborate with Product, Engineering, and Operations teams to actively support new product launches, geographic expansion, and platform enhancements. * Identify and drive process improvements and automation opportunities within the cash and liquidity management pillar. * Provide mentorship and guidance to junior treasury operations roles on liquidity and cash management workstreams. A LITTLE ABOUT YOU: * Bachelor's in Business Administration, Accounting, Finance, Economics or related discipline; advanced degree (CA(SA), CIMA/CGMA, CFA) preferred. * 5-7 years of progressive experience in treasury, cash management, or liquidity management within a fintech, crypto exchange, or financial institution. * Demonstrated experience managing fiat and cryptocurrency liquidity and funding across multiple markets. * Experience with banking and payment provider relationship management, including KYC/onboarding processes. * Familiarity with exchange/liquidity provider settlement flows and cryptocurrency exposure management. * Nice to have: Previous experience with treasury management software and/or VASP/crypto regulatory compliance exposure (e.g., MiCA, FSCA). * Strong financial modelling and analytical skills. * Ability to interact and build relationships at all levels of seniority and across all functions within an organisation. * Must be a self-starter with strong prioritisation and organisation skills; able to manage multiple priorities in a fast-paced environment. * Leads change through entrepreneurial thinking, a strong sense of responsibility and a very high level of integrity. * Must have highly effective verbal, written, and presentation skills. * Friendly, transparent, articulate and driven to succeed. * Confident in a Hybrid Working Environment. * Efficient in Microsoft Excel and/or Google Sheets and other Microsoft/G-Suite products. LIFE AT LUNO: * Forward-thinking and ambitious team that values diversity, hard work, and the continuous quest for excellence. * Remote but reachable work policy gives you the freedom to choose between working from home or the office. * Improve body and mind, with excellent private medical insurance. * Access to Learnably and our additional learning platforms for your personal and professional development. * Generous maternity / paternity and even paw-ternity for your furry friend. * Annual Inspiration Day in addition to your annual leave which increases based on your length of service! Plus the option to buy and sell leave.  * A collaborative, friendly work community, with regular social events and virtual cooking, dancing, drawing and house planting classes hosted by our Lunauts. * Free lunch and snacks. * 0 fees* with Luno from the day you start. *Offer only available on Luno Instant Buy, not Luno Exchange We are an equal opportunity employer and value diversity at our company. We do not negatively discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.