Head of Risk FnUS

Role Purpose

Fnality US will be the newest entity within the Fnality Global Payments ecosystem, the operator of a new regulated payment system for the United States of America. This is a foundational leadership role with broad influence, working in close partnership with the Head of Fnality US and senior stakeholders across Fnality’s international footprint.

Key Responsibilities

• Serve as the executive owner for all risk and compliance activities within Fnality US
• Provide strategic leadership shaping the organisation’s risk, compliance, and resilience strategy as the USD FnPS grows
• Partner closely with the Head of Fnality US on entity strategy, regulatory engagement, and external stakeholder management
• Establish and lead the US risk governance structure (e.g., Risk section of the Audit & Risk Committee, policy frameworks, reporting, with a direct reporting line to the Fnality US Audit & Risk Committee)
• Deploy and operate the Fnality US Risk Management Framework, covering identification, assessment, treatment, monitoring, and reporting
• Lead the oversight of incident management, operational events, and control effectiveness
• Ensure compliance with regulatory requirements related to cyber security, technology risk, and operational resilience for FMIs
• Develop and maintain BSA/AML and financial crime frameworks appropriate for a regulated FMI
• Oversee AML/KYC standards, transaction monitoring design, suspicious activity management, and reporting obligations
• Advise the Board and senior leadership on emerging financial crime risks and regulatory expectations
• Act as a senior counterpart to the Federal Reserve and relevant US regulators, supporting the Head of Fnality US in strategic regulatory relationships
• Ensure high-quality, transparent reporting to regulators and the Fnality US Board
• Represent Fnality US within global risk and compliance forums across the Fnality ecosystem
• Cross-Jurisdiction & Ecosystem Collaboration
• Coordinate with other Fnality legal entities to ensure cross-jurisdictional alignment of risk and compliance practices
• Support the development of new use cases (e.g., PvP with other Fnality Payment Systems, DvP with partner platforms), managing related partnership risk
• Double hat as an active senior member of the Group Risk function, contributing to that team objectives and deliverables.

Required Competencies

• Operate at senior level, partnering closely with the Head of Fnality US and reporting to the Board
• Build a strong, embedded risk and compliance culture across a new organisation
• Design and implement the integrated risk, operational resilience, and BSA/AML frameworks for Fnality US
• Provide authoritative guidance on regulatory expectations for FMIs, including cyber and operational resilience
• Build Fnality US’s external credibility through confident, proactive engagement with US regulators
• Collaborate with global colleagues to maintain consistent cross-jurisdictional risk and compliance standards

Required Skills and Experience

• Extensive senior leadership experience in risk management or compliance within FMIs, banking, or financial services
• Demonstrated ability to operate in a regulated environment, ideally including direct experience with the Federal Reserve or other relevant regulators
• Prominent experience engaging at Board and C-suite level
• Strong understanding of US regulatory frameworks for FMIs, including cyber, operational resilience, and payments regulation
• Direct experience designing and managing BSA/AML and financial crime programmes
• Experience working in fintech, start-ups, or other high-growth, fast-evolving environments is highly desirable
• Knowledge of wholesale payments, distributed ledger technologies, and cyber security is preferred