Head of Risk and Compliance

Role Overview

• Design and maintain the enterprise-wide Risk Management Framework, defining and monitoring risk appetite and key risk indicators
• Conduct risk assessments across operational, compliance, AML, ICT, outsourcing and fraud risks
• Implement and oversee the internal control framework in line with the three lines of defence model
• Prepare regular risk reporting to the Executive Committee and Board
• Ensure full compliance with Luxembourg and EU regulatory requirements applicable to payment institutions
• Implement and maintain compliance policies and procedures, and oversee the compliance monitoring plan
• Lead regulatory reporting and manage supervisory interactions with the CSSF
• Translate regulatory developments into concrete operational implementation
• Ensure full compliance with Luxembourg and EU regulatory requirements applicable to payment institutions
• Oversee the AML/CFT framework in accordance with Luxembourg law
• Supervise KYC processes and transaction monitoring
• Manage suspicious transaction reporting to competent authorities
• Conduct annual AML risk assessments and lead staff training programmes
• Ensure compliance with ICT risk and operational resilience requirements (including DORA)
• Supervise the outsourcing governance framework
• Oversee incident reporting and business continuity arrangements

Requirements

• Minimum 8 years of experience in risk and compliance within a regulated financial institution (payment institution, e-money institution, bank or regulated fintech)
• Proven experience interacting directly with the CSSF and managing supervisory relationships
• Strong knowledge of the Luxembourg regulatory framework: Law of 10 November 2009 (PSD2), Law of 12 November 2004 (AML/CFT), CSSF Circulars 12/552, 22/806 and 20/750
• Solid grasp of the European framework: PSD2, EBA Guidelines (Internal Governance, Outsourcing, ML/TF Risk Factors), DORA and GDPR
• Experience in license applications or regulatory remediation is a strong plus
• Ability to operate independently and build frameworks from the ground up in a scaling environment
• Excellent analytical and communication skills
• Fluent English required; French considered a strong asset

Benefits

• Competitive Salary and Equity: We offer highly competitive salaries and a stake in our success with share options because we're building this together.
• Diverse and Inclusive Team: Join a dynamic and international team in excess of 8 nationalities. You'll have the chance to work with experienced professionals from around the world, fostering a rich learning environment.
• Inspiring Mission: We are dedicated to revolutionizing business financing and making a positive impact on the European economy. Your work at INFINIT will have a lasting effect on businesses and communities.
• Health and Well-being: Your health matters to us. You will have access to top-quality Medical & Mental Health Insurance.
• Quality Time Together: We foster a sense of community with annual gatherings and bi-weekly office team gatherings. You're more than welcome to join us for quality time.
• Personal Time Off: Enjoy flexibility with your personal time off.
• Flexibility and Ownership: We trust our team and we are goal-oriented. Enjoy the flexibility of hybrid working 3 days a week in our Luxembourg office and 2 days at home.