Head of Fraud and Risk Oversight

Teya

Hello. We’re Teya. Teya was founded on a simple belief: local businesses deserve better. They are the cafés, restaurants, salons, shops and entrepreneurs that bring character to our high streets, create jobs and keep communities moving. Yet for too long, financial services has made life harder for them - with clunky tools, poor support and complexity that gets in the way of running a business. Teya exists to change that. We’re building a financial platform for local businesses across Europe - one built around simple tools, thoughtful design and real human support. Our Members rely on us to help them run their business with confidence, and that responsibility shapes the way we work. We move fast. We care about quality. We stay close to the detail. And we believe great performance and genuine hospitality should go hand in hand. If you want to build meaningful products, solve real problems and make a genuine difference for local businesses, we’d love to hear from you Your Mission You will sit in the second line, reporting to the Chief Risk Officer, with broad exposure to ExCo, Board and senior leadership across the group. This is an L2 leadership role — you will set the enterprise and operational risk agenda and operate as a credible peer to the most senior leaders in the business. You will redesign and embed Teya's enterprise and operational risk management approach so that it is fit for purpose today and scalable for a more complex, multi-entity, increasingly regulated future. You will turn risk management into something clear, practical and decision-useful. Responsibilities * Redesign the ERMF and translate it into clear risk appetite statements, KRIs, ownership structures and core controls * Drive adoption across L1 and L2 leadership, ensuring the framework is embedded in how the business runs — not treated as a paper exercise * Build the control framework, incident management approach and GRC toolset from the ground up * Create consolidated monthly risk MI for ExCo and the Board, joining up enterprise, operational and Compliance reporting into one coherent view * Lead operational risk scenario analysis for capital assessment (Pillar 2) purposes * Own second line oversight of fraud and cyber risk, working closely with the first line and MLRO * Provide credible challenge to senior stakeholders while remaining pragmatic and commercially grounded Requirements You have done this before. You have built or materially redesigned enterprise and operational risk frameworks in a complex, highly regulated environment — and you know how to get from principles to operating reality. You simplify without losing rigour, and you win credibility by being sharp, practical and commercially aware.   * Significant enterprise and operational risk experience in regulated financial services * A track record of designing or redesigning an ERMF and embedding it with senior stakeholders * Strong experience defining risk appetite, KRIs, ownership structures and governance that actually work * Deep expertise building controls frameworks, testing approaches and deficiency management * Experience with incident management frameworks, GRC tooling decisions and Board-level risk reporting * Operational risk scenario analysis and Pillar 2 capital assessment experience * Second line oversight of fraud risk, and strong cross-functional stakeholder skills * Experience in high-growth fintech or across multiple jurisdictions is a plus The Perks * Physical and mental health support through our partnership with GymPass giving free access to over 1,500 gyms in the UK, 1-1 therapy, meditation sessions, digital fitness and nutrition apps. * Cycle-to-Work Scheme. * Health and Life Insurance. * Pension Scheme. * 25 days of Annual Leave (+ Bank Holidays). * Possibility to travel to different offices around Europe. * Office snacks every day. * Friendly, comfortable and informal office environment in Central London. * Flexible working hours, as long it suits both you and your team. Teya is proud to be an equal opportunity employer. We are committed to creating an inclusive environment where everyone regardless of race, ethnicity, gender identity or expression, sexual orientation, age, disability, religion, or background can thrive and do their best work. We believe that a diverse team leads to better ideas, stronger outcomes, and a more supportive workplace for all. If you require any reasonable adjustments at any stage of the recruitment process whether for interviews, assessments, or other parts of the application—we encourage you to let us know. We are committed to ensuring that every candidate has a fair and accessible experience with us.

Stripe

WHO WE ARE ABOUT STRIPE Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world's largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. ABOUT THE TEAM The Investigations team is part of Stripe's Global Financial Crimes Compliance and Risk Oversight ("FinCRO") function and is responsible for conducting investigations across a range of financial crime risk areas which include significant fraud, money laundering, and insider risk investigations. We operate at the intersection of financial crime intelligence, complex investigations, and supportability — and we work closely with law enforcement, NGOs, and industry coalitions to strengthen defenses against the actors threatening the integrity of the financial system. WHAT YOU'LL DO Reporting directly to the Head of Investigations, you'll be responsible for the design and execution of FinCRO Investigations' global engagement strategy with law enforcement and industry working groups in support of developing strategic partnerships and facilitating the pursuit of threat actors with local authorities around the world. As a key function of this role, you'll serve as Stripe's primary liaison to law enforcement for financial crime matters — coordinating complex joint investigations and facilitating case referrals and escalations that drive enforcement outcomes. In this role, you'll also ensure that the benefits of these engagement efforts are integrated into the overall Investigations program, ensuring that intelligence, threat trends, and regulatory and law enforcement insights are ingested and delivered to investigative teams across the organization for training purposes and program enhancements. You'll also provide oversight over the operational processes that directly connect into this role to ensure the end-to-end referral, intake, and escalation framework is designed and operating effectively. RESPONSIBILITIES * Design and execute FinCRO Investigations' global engagement strategy with law enforcement agencies and industry working groups * Actively participate in strategic partnership engagement opportunities around the world to facilitate information sharing on risk trends  * Serve as Stripe's primary liaison to law enforcement for financial crime matters * Coordinate complex joint investigations and facilitate case referrals and escalations that drive enforcement outcomes * Ensure intelligence, threat trends, and regulatory and law enforcement insights are disseminated to investigative teams across the organization for training purposes, lead generation, and program enhancements WHO YOU ARE We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement. MINIMUM REQUIREMENTS * 7+ years of experience in law enforcement or with a National Financial Intelligence Unit (FIU) with a demonstrated track record of working with international partners in both the public and private sectors * 3+ years of experience working on cross-border financial crime investigations and public-private partnership initiatives * Deep knowledge of anti-money laundering regulatory frameworks and legal process associated with formal law enforcement requests * Strong stakeholder management skills, including effective communications and dynamic problem solving * Excellent research and writing skills, including in detailed reports and high-level executive briefings * Ability to work efficiently and independently in a fast-paced environment PREFERRED QUALIFICATIONS * Additional experience at a fintech, payments company, or large financial institution with global law enforcement and regulatory exposure * Experience with virtual asset and cryptocurrency investigations and familiarity with blockchain tracing tools * CAMS, CFE, or comparable professional certification

M-KOPA

WE ARE LOOKING FOR AN INTERNAL AUDIT MANAGER TO JOIN OUR LEGAL GROUP, AS WE SCALE UP AND DRIVE DIGITAL AND FINANCIAL INCLUSION ACROSS OUR MARKETS. JOB PURPOSE You will support the Head of Audit & Risk to lead the delivery of M-KOPA’s Internal Audit function at a strategic level across all five operating markets (Kenya, Uganda, Nigeria, Ghana, and South Africa). You will own the risk-based audit strategy, drive multi-market planning and governance, provide direction on complex or cross-market audits, and translate emerging risk intelligence into executive insight. This role is designed for strategic leadership and advisory influence.   KEY JOB FUNCTIONS Audit Strategy, Planning & Governance * Contribute to the development of the annual risk-based audit plan, translating strategic objectives and risk exposure into a prioritised, clearly scoped portfolio of audits. * Monitor delivery against the approved plan (progress, coverage, timeline, and resourcing), and recommend adjustments based on emerging risks or changes in the operating environment. * Own the Internal Audit meeting agenda, curating discussion items and ensuring coordination across the team. * Own the Audit Tracker management. Audit Oversight, Quality & Reporting * Determine and agree on the audit scope for complex, high-risk, or cross-market engagements, and provide strategic direction to the audit teams delivering them. * Execute assigned higher risk audits from the approved annual audit plan end-to-end (planning, fieldwork/testing, documentation, reporting, and follow-up), in line with IIA standards and internal methodology. * Assist the HOD in reviewing audit working papers and reports to ensure they are complete, accurate, and supported by sufficient evidence in line with IIA standards and internal methodology. Ensure deliverables clearly articulate root causes, risk impact, and practical recommendations. * Present outcomes to stakeholders, synthesising findings, risk trends, and action-closure rates into concise executive insight. * Partner with the Risk function to review close-out evidence, ensuring remediation actions are properly evidenced, sustainable, and well-documented. Proactively track action plans and drive timely closure through structured follow-ups, escalation of overdue items, and clear reporting on progress, blockers, and residual risk. * Link emerging risks and investigations outcomes to the audit planning. Stakeholder Management & Advisory * Build and maintain trusted advisory relationships with Country Heads, functional leads, and governance forums (ExCo/C-Team and Board Audit Committee). * Provide strategic input on governance, risk, control, and compliance matters, including control design and remediation planning. * Coordinate timely communication/escalation of significant risk exposures, control issues, fraud risks, and governance failures to the Head of Audit & Risk and senior management. * Deliver consulting/advisory engagements as requested (e.g., reviews of key initiatives, third-party risks, and emerging risk themes). Audit Innovation & Function Development * Champion adoption of M-KOPA’s technology and AI capabilities to enhance audit planning and execution (e.g., risk sensing, scoping, testing, and reporting) while maintaining independence, governance, and confidentiality. * Embed data analytics and continuous monitoring approaches into audit delivery to strengthen coverage, increase efficiency, and enable earlier identification of emerging risks across markets. * Drive standardisation and quality uplift through modern audit tooling (e.g., audit management platforms, workflow automation, and digital working papers), including clear controls over evidence, versioning, and review. * Build capability within the Internal Audit team through coaching and knowledge transfer on analytics- and AI-enabled audit techniques, and contribute to the development of related methodology/standards. * Support the Head of Audit & Risk on strategic projects and function development initiatives as required. Risk Management * Support the development and maintenance of M-KOPA's Enterprise Risk Management Framework, including contributing to risk identification and assessment processes across operating markets. * Assist in tracking and reporting on Key Risk Indicators (KRIs) and the Risk Appetite Framework, and support the preparation of risk reports for the Board Audit & Risk Committee. * Participate in cross-functional risk reviews, including operational, regulatory, and reputational risk workstreams, and help maintain the company's risk register and mitigation action logs.   ORGANISATION STRUCTURE Reports to Head of Internal Audit & Risk EXPERIENCE, SKILLS & QUALIFICATIONS Education * Degree in a business-related field, Business Information Systems, IT, or a related technical/business field from a recognised university. * Professional certification required: Certified Internal Auditor (CIA) or Chartered Accountant (SAICA). * A master’s degree is an added advantage. * Additional qualifications (e.g., CISA, CISM, C-RISK) are an added advantage. Experience * Minimum of 3 years’ post-qualification experience. * Compliance experience within an established external audit, internal audit, and/or enterprise risk management function at an external audit firm, financial services company, or other reputable business. Skills * Good knowledge of internal audit execution across both business process functions and technology functions. * Good knowledge of risk management. * Strong collaboration and stakeholder management. * Demonstrated history of leading teams to successfully deliver engagements (internal audit, strategy, and/or external advisory). * Working knowledge of Internal Control over Financial Reporting (ICFR) concepts, including the practical application of control design, testing, and remediation. * Experience using modern audit execution and audit management software. * Ability to maintain the highest levels of integrity, confidentiality, and objectivity. WHY M-KOPA? At M-KOPA, we empower our people to own their careers through diverse development programs, coaching partnerships, and on-the-job training. We support individual journeys with family-friendly policies, prioritize well-being, and embrace flexibility. Join us in shaping the future of M-KOPA as we grow together. Explore more at m-kopa.com. Recognized four times by the Financial Times as one Africa's fastest growing companies (2022, 2023, 2024, 2025 and 2026) and by TIME100 Most influential companies in the world 2023 and 2024 , we've served over 7 million customers, unlocking $1.5 billion in cumulative credit for the unbanked across Africa. Important Notice M-KOPA is an equal opportunity and affirmative action employer committed to assembling a diverse, broadly trained staff. Women, minorities, and people with disabilities are strongly encouraged to apply. M-KOPA explicitly prohibits the use of Forced or Child Labour and respects the rights of its employees to agree to terms and conditions of employment voluntarily, without coercion, and freely terminate their employment on appropriate notice. M-KOPA shall ensure that its Employees are of legal working age and shall comply with local laws for youth employment or student work, such as internships or apprenticeships.  M-KOPA does not collect/charge any money as a pre-employment or post-employment requirement. This means that we never ask for ‘recruitment fees’, ‘processing fees’, ‘interview fees’, or any other kind of money in exchange for offer letters or interviews at any time during the hiring process. Applications for this position will be reviewed on a rolling basis. Shortlisting and interviews will take place at any stage during the recruitment process. We reserve the right to close the vacancy early if a suitable candidate is selected before the advertised closing date. If your application is successful M-KOPA undertakes pre-employment background checks as part of its recruitment process, these include; criminal records, identification verification, academic qualifications, employment dates and employer references.