Enterprise Risk Manager

• The team safeguards Unzer’s performance and reputation by proactively managing enterprise-wide financial risks and non-financial risks – covering capital, liquidity, credit/counterparty, market and settlement risk as well as operational, process and control risks, provide independent oversight, embedding the risk framework, ensuring regulatory compliance and fostering a strong risk culture – enabling informed decisions and sustainable growth within risk appetite
• Acting as second-line-of-defense expert across both risk domains, the role brings particular depth in financial risk and translates quantitative risk insights into actionable management information
• Unzer lives a customer-centric organization, so that the Enterprise Risk Manager is fully aware of who his/her customers are and leads by example in striving to have all Financial & Non-Financial Enterprise Risk processes, documentations and ways of working to be customer-first, pragmatic and solution-orientated to the highest degree possible
• Serve as the (local) subject matter expert, supporting teams and individuals in financial and non-financial risk-related topics with in-depth expertise in financial risk (capital adequacy, liquidity, credit/counterparty, market and settlement risk)
• Ensure effective/sound implementation and integration of the risk management framework across all Unzer entities, adhering to relevant regulatory requirements (EBA, CSSF, MaRisk, DFSA, and/or other applicable EU regulations), including risk appetite statement and the derived financial and non-financial risk limits and thresholds
• Identify and address gaps in the risk framework while proactively proposing solutions, changes, or preventive measures; conduct risk analyses and review existing controls for effectiveness, including scenario and stress testing as well as risk reporting with key risk indicators for management and committees
• Assess, review, and contribute to continually improve the risk management framework, ensuring it remains effective amid changing regulatory and business needs
• Contribute with developing, updating, and maintaining risk policies, procedures, and related documentation across both risk domains
• Support both internal and external audits, including regulatory audits; implement and monitor of trainings and programs to promote risk awareness within the organization; collaborate independently with other Group Risk Control functions on projects, tasks and enterprise risk-related initiatives, seeking guidance for complex or unfamiliar scenarios

Benefits

• A hybrid work model allows you to keep work-life balance – you can work from home up to 80% of the time
• A learning budget for personal development in addition to internal knowledge-sharing forums and best practice sharing. We want you to have the ability to learn something new every day!
• Flexible working hours
• Excellent working atmosphere in ambitious, diverse, and agile teams
• A fast-paced work environment with the creative freedom to contribute to Unzer’s future

Please don’t shy away if you don’t meet all the requirements! We’re looking forward to meeting you

Requirements

• Knowledge of relevant European regulations, with emphasis on German, Luxembourg, and Danish requirements
• Solid experience with internal control systems and risk management frameworks
• A valid work permit is required; visa sponsorship and relocation support are not provided
• Proficiency in English, German, and/or Danish, with strong verbal and written communication skills
• An understanding of payment or financial services and/or acquiring business operations is an advantage
• At least 3 years of experience in enterprise risk, risk control, risk management, audit, or consulting, ideally with a demonstrable focus on financial risk topics
• Strong quantitative and analytical skills, and confidence handling financial data, risk metrics, and reporting tools
• Solid knowledge of regulatory requirements concerning financial enterprise risk, such as capital and liquidity adequacy and safeguarding of client funds, and non-financial risk, such as internal control and operational risk requirements
• Ability to interpret regulations and clearly present conclusions and plans to a range of stakeholders, both orally and in writing