Financial Crime Risk Manager - 12 month FTC

GoCardless

About us GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking.  GoCardless processes US$130bn+ of payments annually, across 30+ countries; helping customers collect and send both recurring and one-off payments, without the chasing, stress or expensive fees. We use AI-powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks, we help our customers make faster, more informed decisions. We are headquartered in the UK with offices in London and Leeds, and additional locations in Australia, France, Ireland, Latvia, Portugal and the United States. At GoCardless, we're all about supporting you! We’re committed to making our hiring process inclusive and accessible. If you need extra support or adjustments, reach out to your Talent Partner — we’re here to help!  And remember: we don’t expect you to meet every single requirement. If you’re excited by this role, we encourage you to apply! THE ROLE You’ll be someone who enjoys driving processes through from design to conclusion, taking a proactive approach to managing regulatory obligations across our licences and regulated entities. You will have a great head for project management and organisation. Be comfortable working both independently and collaboratively, knowing when to seek guidance from senior stakeholders to gather the input you need to support the Regulatory Compliance Team’s overall deliverables. While the role sits within the Regulatory Compliance team, you will also have opportunities to support wider Compliance and Risk initiatives across the business as needed. You’ll play a key role in coordinating regulator interactions and supporting critical projects, facilitating entry into new markets at a cutting-edge, dynamic, and high-growth fintech company. We’re approaching ‘Risk’ in Financial Services in a new way. * We are ready to serve everyone, if we wanted to - we ensure Risk does not constrain the business but empowers it to achieve its goals. * We aim to automate as much as we can- we don’t like inefficiencies, nor do we believe that real risk mitigation is achieved by throwing people at the problem; and * We create the best possible customer experience - we want our customers (both internal and external) to look forward to going through our processes. The Risk teams are at the forefront of GoCardless’ expansion. We must ensure that GoCardless adopts, implements and maintains forward-thinking and appropriate processes and controls, often encountering new challenges or issues that require innovative solutions.   WHAT EXCITES YOU * Conducting regulatory assessments with a view to identifying regulatory risks and the path to compliance. * Coordinating and supporting licence and permission variation activities.  * Assisting with regulatory reporting to the regulators (FCA, PSR, ASIC, FMA, HMRC) and notifications and acting as a custodian to keep records of all correspondence between regulators or external advice providers. * Supporting with regulatory examinations and audit processes. * Supporting in the delivery of our Consumer Duty Program. * Conducting horizon scanning and updating the regulatory obligations register.  * Supporting with regulator engagement where appropriate, including coordinating responses and maintaining regulatory correspondence. * Supporting corporate governance as necessary for the regulated entities to maintain good standing and meet obligations. * Supporting oversight and monitoring activities, including but not limited to key processes run by other affiliates to ensure that they have been designed and are operating effectively. * Supporting the delivery of effective M.I reporting to support the board of directors and the executive management team in exercising effective oversight of the company’s compliance operations. * Creating and curating engaging training material where appropriate.   WHAT EXCITES US We’re looking for someone with experience in a regulated financial institution who is passionate about moving to a fast-paced fintech. We’d love to hear from you if you: * Have worked in the world of regulation - within a compliance function, consultancy, or a regulator. You have a track record with FCA-regulated firms. * Have some experience communicating with the FCA or other regulators * Have experience in delivering or supporting change projects and interacting with various stakeholders of varying levels of seniority. * Have experience of regulatory regimes in ANZ, but not essential. * Have strong communication skills, both written and verbal. * Like keeping to deadlines, even when you set them yourself. * Have good operational knowledge of implementing new regulatory requirements, from policy drafting to providing advice. * Enjoy finding and implementing new tools and technologies to drive efficiencies. * Savour a challenge, don’t get disheartened easily and drive projects through to completion. * You are easy to work with, and want to work in a fun, fast-growing, but demanding young company. * You are able to work independently and in a fast-paced environment. Base salary range: £46,400 - £69,600 Base salary ranges are based on role, job level, location, and market data.  Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid-point (£46,400 - £58,000) of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work. (SOME OF) THE GOOD STUFF * Wellbeing - stay healthy with dedicated support and medical cover * Work away scheme - gives you the option to work away from your country of residence for up to 90 days in any 12 month period * Adaptive Working - allows you to work flexibly, around your lifestyle * Equity - all permanently employed GCs get equity to help you make a valuable contribution * Parental leave - to suit everyone embarking on life's great adventure * Learning Budget - lead your own development with an annual learning budget * Time off - generous holiday allowance, + 3 annual volunteer days, + 4 annual business-wide wellness days (‘GC Fridays’) LIFE AT GOCARDLESS   We're an organisation defined by our values; We start with why before we begin any project, to ensure it’s aligned with our mission. We act with integrity, always. We care deeply about what we do and we know it's essential that we be humble whilst we do it. Working this way creates the GC magic- the reason we all love showing up to work.  DIVERSITY & INCLUSION As of April 2025, we had 806 employees (GeeCees) globally, with 524 based in the UK, 163 based in Latvia and 119 across our other offices. To ensure that we're representative of the world around us - and to be able to review relevant benchmarks - we ask GeeCees to voluntarily disclose diversity data. This year, the proportion of GeeCees providing data increased to 88% (up from 79% in 2024). With regards to diversity within GoCardless, we can see GeeCees identifying as: Asian, Black, Mixed or Other — 25%  Neurodiverse — 9%  LGBTQIA+ — 9%  Disabled — 1%  Average age — 33 Female — 45% Male —  55%  We’re rooting for you during your application and GoCardless aims to provide reasonable adjustments to make our recruitment process as remarkable and accessible as we can. Please speak to your Talent Partner if you need extra support. If you want to learn more, you can read about our Employee Resource Groups and objectives here Sustainability We’re committed to reducing our impact on the environment, leaving a more sustainable world for future generations. Check out our sustainability action plan here. Find out more about Life at GoCardless via Twitter, Instagram and LinkedIn.

iBanFirst

WHO ARE WE? iBanFirst is a fast-growing European fintech that is revolutionizing international payments for SMEs. Founded in 2016, our platform empowers Small & Medium Multinationals (SMMs) to regain control over their payment operations: currency conversion (FX), international transactions, and foreign exchange risk management across 140 countries — quickly, transparently, and securely. We make life easier for SMEs through an advanced technology platform (automation, APIs, AI…) combined with dedicated expertise, offering the best of both worlds: the agility of a SaaS solution and the reliability of a trusted partner.  By simplifying complexity, iBanFirst helps thousands of bold companies seize global business opportunities with peace of mind — delivering simplicity, transparency, and security.    KEY FIGURES  * 350+ employees across 15 offices in 12 European countries * 30+ nationalities represented, average age: 32 * 10,000 corporate clients trust us * €80M in revenue in 2025, with a target of around €100M in 2026 * Profitable for more than two years * Ranked for 6 consecutive years in the Financial Times FT1000, among the fastest-growing European companies * An NPS of 87.5 — an exceptional score in our industry that reflects enthusiastic client feedback on the simplicity, speed, and quality of our service   A STRONG CULTURE BUILT AROUND 4 CORE VALUES  * Team First : The complexity of our industry demands collective intelligence. We prioritize cooperation, transparency, and knowledge sharing. Success is a team effort, and decisions are made together. * Tenacity : We’re transforming a challenging and highly regulated market. It requires endurance, fast learning, and resilience — qualities rooted in our entrepreneurial DNA. * Transformation : Innovation is not a buzzword; it’s a necessity in a constantly shifting and strategic sector. We innovate with intent: every technical, product, or organizational improvement is designed for real impact. * Trust : Trust is the foundation of everything we build — with our clients and, above all, internally. It’s driven by ownership, autonomy, and a shared commitment to transparency, rigor, and reliability.   WHY JOIN US?  * We operate at the heart of a strategic and fast-evolving sector: international payments for SMEs — a complex, high-potential market. * We’re driven by a meaningful mission: helping bold “Small & Medium Multinationals” succeed globally. * Our platform integrates cutting-edge technologies (AI, automation…), making it an ideal playground to test, learn, and innovate continuously. * You’ll join an agile environment where your expertise has tangible impact, working alongside talent from top financial institutions. * iBanFirst is profitable and backed by long-term investors: * Xavier Niel and Bpifrance, historical shareholders, have supported and trusted us from the beginning * In 2021, the entry of Marlin Equity Partners marked a new chapter in our international ambitions Joining iBanFirst means joining a profitable, international, fast-growing tech company. It’s also a chance to learn, grow, and contribute directly to a shared ambition: simplifying international finance for SMEs.      THE ROLE  RECRUITMENT CONTEXT  This is a newly created position driven by iBanFirst's continued growth and the increasing complexity of our financial crime risk environment. As transaction volumes scale across new markets and products, we need a dedicated manager to lead our first line of defense teams on Financial Crime (Transaction Monitoring, Fraud detection, Regulatory Ops) and structure the quality and operational controls that underpin them.  We are open to candidates coming from various backgrounds (management/strategy consulting, operations/compliance professionals) who are looking to step into a thigh impact operational role. The financial crime domain can be learned — we are hiring for how you think, how you build, how you leverage technology (analytics, AI) and how you lead.    MANAGER & TEAM  You will report directly to Julien Molez, Chief Operations Officer. You will manage three teams which are at different levels of maturity:a team of 5 people: a  Transaction Monitoring Fraud management and Regulatory Operations. Your team is the first line of defense against money laundering, fraud, and financial crime — operating at the intersection of operational rigor, regulatory compliance, and technology.    WHAT WILL YOU DO?  As iBanFirst expands across European markets, the financial crime risk landscape grows in complexity. We are looking for an analytically sharp, structured, and operationally driven leader to supervise our TM Financial Crime Operations function, steer it with rigor and precision, embed it in a robust and recognized quality framework, and drive highest level of efficiency through data and automation.  Team Management & Operations  * Lead and develop the different teams in the scope: set priorities, manage performance, and build a culture of accountability and continuous improvement.  * Oversee their daily operations: alert review, case investigation, SAR filing, and escalation processes.  * Manage capacity and workload allocation to maintain SLAs and maintain backlogs at constant low levels.  Fraud & Financial Crime  * Own the fraud detection and prevention framework: typologies, detection rules, investigation workflows, and outcomes tracking  * Stay current on financial crime trends and adapt the team's detection approach accordingly  Controls & Quality Framework  * Design and implement a quality insurance framework for each team, specific to each of them but consistent across domains.  * Define and track KPIs: detection rates, false positive ratios, case resolution times, SAR quality.  * Conduct regular calibration sessions and quality reviews to maintain consistent, high standards across the teams.  Analytics & Automation  * Use data to assess the performance of each value chains. For example, on the transaction monitoring side : rules effectiveness, reduce noise, and improve alert prioritization  * Work with Product and Engineering teams to constantly improve underlying systems and integrate automation into workflows  * Identify opportunities to leverage AI and machine learning to enhance detection and reduce manual effort  Regulatory & Reporting  * Ensure compliance with Belgian and EU AML/CFT obligations (LCB-FT, EU AML directives)  * Produce clear, insight-driven reporting for senior leadership: what the data says, what it means, and what action it warrants  * Lead or support regulatory audits and inspections related to TM and fraud  * Be the key go-to person for C-Levels for these topics and lead the associated governance meetings.    TASK BREAKDOWN  40% — Team management & operational oversight: Day-to-day leadership of the different teams, alert review quality, escalation management, and capacity planning  20% — Framework building: Quality controls, KPIs, fraud typologies, policies and procedures  30% — Analytics & automation: Rule performance analysis, detection improvement, collaboration with Product/Engineering  10% — Reporting & regulatory: Senior management reporting, audit support    ROLE OBJECTIVES  First 3 months  * Ramp up on iBanFirst's transaction monitoring systems, financial crime risk exposure, and regulatory environment  * Build trust with the team and assess individual strengths and development needs  * Map existing processes and identify the top 3 priority areas for improvement  First 6 months  * Deliver the first version of the quality assurance framework  * Define and baseline key operational KPIs  * Launch at least one automation or efficiency initiative  First 12 months  * Own the fraud framework end-to-end and present it to senior leadership  * Demonstrate measurable improvement in alert quality, team efficiency, or detection rates  * Build a 12-month roadmap for the function aligned with iBanFirst's growth plans    WHAT DO YOU BRING?  EXPERIENCE:  * 5-10 years of experience in similar positions at recognized financial institutions or in management consulting, strategy consulting, or a similar structured analytical environment (Big 4, MBB, Tier 2 strategy firms)  * Experience in financial services, fintech, or a regulated industry project context is a strong plus  * First exposure to compliance, risk, or financial crime topics (through client work, due diligence, or regulatory projects) is valued   SKILLS:  * Natural leadership and recognized management experience  * Exceptional structuring and problem-solving skills: you break complex issues into clear frameworks and actionable plans  * Strong data and analytics capabilities: comfortable with quantitative analysis, building dashboards, and deriving insights from operational data  * Proven ability to design processes and quality frameworks from scratch  * Natural project management instincts: you sequence work, track delivery, and hold people accountable  * High proficiency on AI and automation concepts and enthusiasm to apply them in an operational context  * Fluent in French and English, confident communicating with senior stakeholders  NICE TO HAVE:  * Hands-on experience with a transaction monitoring platform (ComplyAdvantage, Actimize, Napier, or equivalent)  * Familiarity with the French or Belgian regulatory environment: NBB, CTIF, ACPR, Tracfin, LCB-FT  WHAT MAKES YOU STAND OUT:  * You have led a transformation or process redesign project end-to-end  * You are energized by the idea of owning something operational, not just advising on it and transforming and optimizing it with technology  * You are curious about financial crime and see it as a high-stakes, intellectually demanding domain    WHAT DO WE OFFER? * Permanent contract (CDI)  * Office location: Paris  * Hybrid work policy: 2 days remote per week  * Competitive salary: €75,000 – €110,000 gross annual, depending on experience  * Benefits: * Swile meal card * Axa health insurance * Commuter benefits * RTT (extra paid days off) * Gymlib subsciption * Paid parental leave * Participate in company-wide events, including team offsites, company parties, and regular social activities.   RECRUITMENT PROCESS  1. Screening call with Malorie Petitjean (Talent Acquisition Specialist)— 30 min, remote. General fit, motivation, salary expectations, availability. 2. In-depth interview with Julien Molez (COO)— 1 hour, in-person. Operational experience, leadership approach, team fit.  3. Case study— Take-home exercise on an operational design or process improvement scenario. Presented during complementary 1h session with COO.  4. Final interview with Sonia Boudier (Deputy CEO) — 45 min, in-person. Leadership validation, strategic vision, long-term fit.          ____________________________ #LI-MP1 #LI-onsite / #LI-hybrid / #LI-remote

iBanFirst

WHO ARE WE? iBanFirst is a fast-growing European fintech that is revolutionizing international payments for SMEs. Founded in 2016, our platform empowers Small & Medium Multinationals (SMMs) to regain control over their payment operations: currency conversion (FX), international transactions, and foreign exchange risk management across 140 countries — quickly, transparently, and securely. We make life easier for SMEs through an advanced technology platform (automation, APIs, AI…) combined with dedicated expertise, offering the best of both worlds: the agility of a SaaS solution and the reliability of a trusted partner. By simplifying complexity, iBanFirst helps thousands of bold companies seize global business opportunities with peace of mind — delivering simplicity, transparency, and security. KEY FIGURES * 350+ employees across 14 offices in 11 European countries * 30+ nationalities represented, average age: 32 * 10,000 corporate clients trust us * €80M in revenue in 2025, with a target of around €100M in 2026 * Profitable for nearly two years * Ranked for 7 consecutive years in the Financial Times FT1000, among the fastest-growing European companies * An NPS of 87.5 — an exceptional score in our industry that reflects enthusiastic client feedback on the simplicity, speed, and quality of our service A STRONG CULTURE BUILT AROUND 4 CORE VALUES * Team First: The complexity of our industry demands collective intelligence. We prioritize cooperation, transparency, and knowledge sharing. Success is a team effort, and decisions are made together. * Tenacity: We're transforming a challenging and highly regulated market. It requires endurance, fast learning, and resilience — qualities rooted in our entrepreneurial DNA. * Transformation: Innovation is not a buzzword; it's a necessity in a constantly shifting and strategic sector. We innovate with intent: every technical, product, or organizational improvement is designed for real impact. * Trust: Trust is the foundation of everything we build — with our clients and, above all, internally. It's driven by ownership, autonomy, and a shared commitment to transparency, rigor, and reliability. WHY JOIN US? * We operate at the heart of a strategic and fast-evolving sector: international payments for SMEs — a complex, high-potential market. * We're driven by a meaningful mission: helping bold "Small & Medium Multinationals" succeed globally. * Our platform integrates cutting-edge technologies (AI, automation…), making it an ideal playground to test, learn, and innovate continuously. * You'll join an agile environment where your expertise has tangible impact, working alongside talent from top financial institutions. * iBanFirst is profitable and backed by long-term investors: * Xavier Niel and Bpifrance, historical shareholders, have supported and trusted us from the beginning * In 2021, the entry of Marlin Equity Partners marked a new chapter in our international ambitions Joining iBanFirst means joining a profitable, international, fast-growing tech company. It's a chance to make a real and visible impact on the governance of an ambitious European fintech.   THE ROLE RECRUITMENT CONTEXT We are opening this position as part of our continued commitment to strengthening iBanFirst's internal control environment and governance framework. As we scale internationally across 11 European countries and operate under the supervision of the National Bank of Belgium, maintaining a robust and independent internal audit function is a core priority. The incoming Internal Audit Manager will join a well-established framework — with an existing audit plan and control environment in place — and will have the opportunity to build on these foundations, bring their own expertise, and grow with the function. MANAGER & TEAM You will report to Arnaud de la Porte (CFO/Deputy CEO/Board Member), with a dotted line to senior governance bodies including the ExCo and the Board. You will further establish and lead the Internal Audit function — a setup that comes with a lot of autonomy and direct ownership over the full audit scope. As iBanFirst continues to grow, the internal audit function would naturally follow. You will have direct, regular access to iBanFirst's Executive Committee and the opportunity to present directly to the Board of Directors. You will also work closely with: * External auditors * The National Bank of Belgium (regulator) * All business functions across iBanFirst's 11 European offices The role is based in Brussels or in Paris.   WHAT WILL YOU DO? As Internal Audit Manager, you will lead the Internal Audit function and act as the Third Line of Defence, providing independent assurance to senior management and governance bodies on the effectiveness of iBanFirst’s governance, risk management, internal control, and regulatory compliance frameworks. KEY RESPONSIBILITIES: Audit Planning & Execution * Develop and annually review the risk-based internal audit plan across the group, incorporating input from key internal and external stakeholders * Execute internal audit engagements for the non-IT scope in line with the approved audit plan and internal audit standards * Produce high-quality audit reports with clear findings and actionable recommendations Oversight & Monitoring * Oversee and monitor the performance of outsourced IT internal audits * Track and monitor the implementation of audit recommendations across the organization * Ensure audit activities are aligned with regulatory expectations, particularly those of the National Bank of Belgium Stakeholder Engagement * Periodically present audit results, key risks, and remediation progress to senior management, ExCo and the Board of Directors * Coordinate and collaborate with external auditors and the NBB when required * Build trusted relationships across all business functions — acting as a constructive and credible voice on governance and control matters ROLE OBJECTIVES First 3 months: * Get fully up to speed with iBanFirst's business, regulatory environment, and existing audit framework * Build strong working relationships with key internal stakeholders, across ExCo and business functions, as well as with the outsourced IT internal auditors * Take full ownership of the audit plan and ongoing engagements First 6 months: * Operate fully independently — ExCo members understand and value the function's output * Deliver first audit reports and present findings confidently to senior governance bodies * Establish a smooth working rhythm with external auditors and the NBB First 12 months: * Contribute to the internal audit function being recognized as trusted, credible and autonomous * Deliver high-quality internal audit reports in line with the internal audit plan * Potentially contribute to expanding the team   WHAT DO YOU BRING? EXPERIENCE: * 5+ years of experience in internal or external audit * Background in financial services, banking, or a regulated fintech environment — experience with AML and financial crime topics is a strong asset * Demonstrated experience as the responsible for the internal audit function is a plus MUST-HAVE SKILLS: * Fully autonomous and self-directed — you don't need a mentor or a team to deliver; you take ownership and drive your own agenda * Comfortable working independently — you enjoy the depth and focus that comes with being a one-person function * Excellent written communication — you write clear, structured, impactful audit reports in English * Confident presenter — you confidently and clearly present findings to ExCo and Board members; credible and composed in high-stakes settings * Proactive and transparent — you flag issues early, communicate openly, and don't hold back * Highly organized and rigorous — you follow through on commitments, track recommendations, and manage your own planning with discipline * Critical and analytical mindset — you dig into documents and data, ask the rightttr questions, and form well-grounded conclusions * Fluent in English (required); French or Dutch strongly preferred NICE TO HAVE: * CIA certification (Certified Internal Auditor) — or genuine willingness to obtain it * Experience in a fast-growing start-up/scale-up environment * Familiarity with the National Bank of Belgium's regulatory expectations   WHAT DO WE OFFER? * Permanent contract * Compensation: €70,000 - €80,000 gross annual (fix + performance bonus) * Office location: Brussels or Paris * Hybrid work policy: Flexible, possibility to work from home two days per week BENEFITS & PERKS: * Net allowances * Meal vouchers — €8 per working day * Phone subscription * Company car with fuel card * Health insurance WHY THIS IS A GREAT OPPORTUNITY: * Direct access to ExCo and Board — a rare opportunity to learn, raise awareness and drive the importance of internal audit in the company * Fast learning environment — you'll be exposed to a broad range of business topics, geographies, and regulatory frameworks * Travel opportunities — occasional visits to iBanFirst's 14 offices across Europe * Certification support — iBanFirst supports you in your development and in obtaining the CIA certification This role offers a unique combination of autonomy, senior exposure, and real impact — in a profitable, fast-growing European fintech.   RECRUITMENT PROCESS 1. Screening call with Malorie Petitjean (Talent Acquisition Specialist) — 30 minutes – remote (video) 2. In-depth interview with Arnaud de la Porte (N+1) — 1 hour – in-person (Bruxelles) or remote 3. Final round with one or two ExCo member(s) — 45 minutes – in-person (Paris) or remote