Develop, implement, and maintain a comprehensive enterprise risk management framework in line with CNAD regulations and internal policies
Interpret and apply regulatory requirements in El Salvador, including crypto-specific obligations
Conduct enterprise-wide risk assessments (operational, financial, AML, cyber, liquidity, and digital asset risks)
Define and maintain the company’s risk appetite and tolerance in collaboration with senior management and the Board
Maintain and regularly update the risk register and ensure ongoing risk reviews
Support the First Line of Defense (1LoD) in identifying and assessing key risks across the business
Assess risks related to products, services, partnerships, and new initiatives, including crypto transactions and non-hosted wallets
Oversee third-party risk management and outsourcing arrangements
Monitor, escalate, and report material risks and breaches to the CEO and Board
Ensure effective incident and breach reporting frameworks are in place
Collaborate closely with Compliance, Legal, MLRO, Finance, and IT/Security teams to align risk management practices
Contribute to internal committees and forums where risk expertise is required
Provide recommendations on regulatory changes and risk mitigation strategies

Proven experience in risk management within financial services or digital asset environments
Strong understanding of operational and regulatory risk frameworks
Experience working in regulated environments and implementing risk controls
Solid knowledge of AML, financial crime, and crypto-related risks
Ability to work with senior stakeholders, including Board-level communication
Strong analytical skills and a proactive, solution-oriented mindset
Eligibility to pass Fit & Proper assessment

Head of Risk

Key skills