Overview

In this role you will lead second-line risk activities to safeguard TrueLayer’s Pay by Bank offerings across the UK and Europe. You’ll translate complex risk data into actionable insights for senior stakeholders and ensure controls and mitigations are effective as the business scales. You will partner with cross-functional teams to maintain regulatory confidence and support safe growth. This position offers hands-on influence over risk management in a fast-moving fintech.

Retribuzione / Benefits

- Meaningful equity in the company
- Flexible hours and hybrid working
- 24 days holiday with flexible bank holidays
- 12 fully-paid wellbeing days per year and your birthday off
- Life cover
- Private health insurance

Responsabilità

- Facilitate Risk & Control Self-Assessments (RCSA) across business units
- Maintain and quality-check the corporate risk register with KRIs and owners
- Coordinate independent control testing and track remediation
- Conduct risk impact analyses for structural changes and regulatory shifts
- Perform scenario analyses and stress testing for tail-risk events
- Prepare concise, data-driven board and regulatory dashboards and reports
- Execute end-to-end NPAP for new product features and cross-border capabilities




- Assess product safeguarding to ensure funds are protected under FCA, CBI, and Swedish FSA rules
- Perform risk assessments of critical third-party vendors and cloud infrastructure
- Manage customer risk profiling and monitoring, including exposure analysis and threshold setting

Requisiti fondamentali

- Experience in risk management (Second Line of Defence) within a regulated payment institution, EMI, or fintech
- Proven track record running RCSA cycles, product risk reviews, and customer risk matrices
- Strong regulatory knowledge of European and UK payments rules (PSD2/PSD3, FCA Operational Resilience)
- Advanced Excel skills for data analysis, risk trend identification, and KPI dashboards
- Bachelor’s degree in a relevant field
- Ability to operate in a matrixed, multi-jurisdictional team and present to Boards
- Fluent English (written and spoken)

- Curious and pragmatic
- Independent-minded with constructive challenging of assumptions
- Comfortable in a fast-moving environment
- Advanced Excel for data extraction and KPI dashboards
- Risk modelling and impact analysis
- RCSA design and governance

📌 Senior Risk Analyst (Balgano)
🏢 Truelayer
📍 Balgano