IFX Payments

Risk

• Design, own, and ensure effective operation of the firm's enterprise-wide risk management framework
• Define and embed risk appetite, tolerances, and escalation thresholds, subject to Board approval
• Ensure consistent risk identification, assessment, mitigation, and monitoring across payments and FX trading activities
• Maintain the firm-wide risk register and oversee risk assessment methodologies
• Provide independent oversight of FX market, liquidity, settlement, and counterparty risks
• Review and challenge treasury, hedging, liquidity management, stress testing, and scenario analysis
• Oversee prudential and financial resilience risks relevant to Electronic Money Institutions, including capital adequacy, safeguarding risk, and wind-down planning
• Oversee operational, outsourcing, third-party, ICT, cyber resilience, fraud, and business continuity risks
• Review material incidents and near misses, ensuring root-cause analysis and remediation tracking
• Provide risk oversight of payment processing infrastructure, FX execution platforms, and critical systems
• Assess conduct and reputational risks related to products, customer journeys, pricing, and FX execution
• Support risk culture aligned with FCA principles, Consumer Duty, and Treating Customers Fairly outcomes
• Provide risk input into product governance and new business initiatives
• Report independently to the Executive Committee, Board, and Audit & Risk Committee
• Challenge senior management on strategic decisions, growth initiatives, and material business changes
• Lead risk input into new product approvals, outsourcing decisions, and material change assessments
• Act as senior management contact for risk-related FCA matters, supervisory reviews, and thematic work
• Support regulatory submissions and reviews with risk assessments, scenario analysis, and management information
• Lead and develop the Risk function and promote risk awareness across first-line business functions
• Collaborate with the Compliance Director, Finance Director, MLRO, and other Senior Managers
• Line manage two team members

Risk Director

People Operations

• Act as the primary point of contact for assigned managers and teams, translating their needs into people-focused solutions
• Support managers through organisational and team changes, advising on people implications and established frameworks and processes
• Support workforce planning initiatives, including organisational design, job levelling, succession planning, and career pathways
• Develop management capability through coaching, guidance, and proactive partnership
• Manage employee relations cases end-to-end and escalate complex or high-risk matters as appropriate
• Advise managers on employee relations matters, balancing legal and commercial considerations with company culture and values
• Maintain accurate employee relations records, documentation, and case files
• Guide hiring managers through recruitment for entry-level through management positions
• Support end-to-end recruitment processes across the business
• Continuously improve recruitment processes and candidate experience
• Support implementation and optimisation of the recruitment target operating model
• Support adoption and utilisation of Culture Amp and Pinpoint
• Assist with probation and annual performance review cycles
• Support managers in developing high-performing teams through CTG and BTG frameworks
• Produce regular employee relations and recruitment MI reports for the Senior Manager and Director
• Analyse trends, identify risks, and highlight areas requiring intervention

Senior People & Culture Specialist

Compliance

• Manage account closures while ensuring compliance with legal and regulatory requirements
• Collaborate with internal teams to identify and address account closure issues
• Handle returned payments, investigate discrepancies, and resolve related issues
• Communicate with clients and financial institutions regarding returned payments
• Respond accurately and promptly to RFIs from regulatory bodies, financial institutions, and internal stakeholders
• Maintain detailed records of correspondence and responses
• Conduct due diligence on new beneficiaries in compliance with AML and KYC regulations
• Update and maintain beneficiary information in the system
• Manage SWIFT transaction communications, recalls, and related inquiries
• Assess operational risks and develop mitigation strategies
• Implement and monitor controls to prevent financial fraud and compliance breaches
• Prepare regular reports on compliance activities and incidents
• Document operations according to internal policies and regulatory standards

Risk Director

Senior People & Culture Specialist

Compliance Associate