Job Title

Head of Risk and Compliance Australia & New Zealand Role Title: Head of Risk and Compliance Australia & New Zealand Reports to: Group Chief Risk and Compliance Officer Job Type: Permanent About EML EML is a fast-moving global fintech on a mission to make payments awesome instant, secure, and seamless. We connect our customers to their customers, wherever Money is in Motion. Were not your traditional payments provider. As an issuer and processor, we deliver smart, flexible alternatives to banking from reloadable to non-reloadable cards all tailored to fit. We move fast, think big, and partner closely with our clients to make it happen. Innovation is in our DNA. Were built on collaboration, driven by curiosity, and focused on doing things better every day. At EML, you wont be asked to fit in well help you stand out. The Team The Risk & Compliance team at EML believes in rolling up their sleeves and getting things done. It is a handson group that engages across the organisation and understands the practical impacts and outcomes of its work. The team is divided into two overarching groups: Country Risk & Compliance responsible for their countries/regions, holding decisionmaking authority and oversight of all programmer activities that impact the region. Global Risk & Compliance provides deep subjectmatter expertise, framework design and execution support, and standardisation across the group in regulatory compliance, risk management, strategy, testing, assurance, engagement, reporting, and privacy/consumer protection. The Role The Head of Risk & Compliance Australia & New Zealand is a Country Risk and Compliance role that holds local responsibility for the operation and oversight of the risk and programmes for Australia and NewZealand ofL, subject to the fit and proper standards as dictated by APRA and internal policy. What Youll Do We are seeking an experienced leader to oversee risk and compliance activities for our Australia business with additional responsibility for NewZealand. The role is a primary point of contact with ASIC, APRA, and NewZealand regulators, ensuring EML meets all relevant obligations and maintains a strong risk and compliance culture. This is a highly visible, handson leadership role responsible for the daytoday execution and continuous improvement of the Australian and NewZealand risk and compliance programmes. You will focus on providing strong leadership and establishing a sound platform for regulatory compliance, risk management, and data protection compliance. You will have one direct report (the AML Compliance Officer for EPSL) and oversee compliance and risk management activities performed by outsourced service providers, working as a trusted advisor to the business and embedding regulatory frameworks into operations and culture. Regulatory Compliance Implement and maintain a compliance programme that addresses the business ongoing regulatory obligations to ASIC, AUSTRAC, APRA, relevant NewZealand regulators, and card scheme rules. Lead the execution and ongoing improvement of all operational aspects of the compliance programme including policy/procedure governance, training, risk assessments, control and monitoring, and investigations. Provide advice and guidance on regulatory matters across the business with pragmatic collaboration to find compliant solutions. Act as the regulatory liaison for any regulatory communications, inquiries, visits, or inspections. Participate in internal and external audits and act as the lead interface with business stakeholders. Produce comprehensive management reports for the EPSL Board, regulators, and senior management as required. Implement and embed the enterprise risk management (ERM) framework within EPSL, ensuring alignment with the Group ERM Framework and the continued effective operation of the risk function. Collaborate with the Global Risk Management function to ensure efficient identification and assessment of emerging risks to EPSL. Monitor and report qualitative and quantitative risks against agreed tolerance and limits. Provide detailed reporting on risk exposures and advise management and the EPSL Board (as appropriate) on risk management matters. Ensure effective processes and controls are in place and maintained to identify, manage, monitor and report on risks to which the firm is or may be exposed. Ensure the consistency of and monitor adherence to risk management standards and the Global ERM framework within EPSL. Facilitate the setting of the risk appetite by the EPSL Board. Promote a strong risk culture by defining the expected risk and control related behaviours. Ensure the continued operation of the three lines of defence model. Data Protection Collaborate with the global data protection function to implement a data protection programme defined by policy and procedure. Embed a culture of data protection awareness within the firm. Conduct data protection review work in line with the compliance monitoring plan. Produce comprehensive management reports for the EPSL Board, regulators, and senior management as required. Support the global data protection function in the rollout of relevant data protection training. People Leadership and Resource Management Provide daytoday guidance to team members and assist in resource planning as needed. Set clear objectives, promote professional development, and foster a collaborative and valuesdriven culture. What Youll Bring Experience: Senior risk and compliance leadership in complex financial services or fintech, with exposure to ASIC, AUSTRAC, APRA, and NewZealand regulatory frameworks. Proven track record in managing and enhancing risk frameworks and regulatory interactions. Environment: Experience in global, matrixed environments, coordinating across time zones, cultures, and reporting lines. Comfortable with a fastpaced, evolving regulatory environment and leading crossfunctional teams. Knowledge: Deep knowledge of financial services regulation, compliance frameworks for payments and emoney in Australia and NewZealand, and relevant qualifications in risk and compliance disciplines. Strategic Mindset: Proactive and solutionoriented, with a strong focus on prudential compliance and continuous improvement of risk and compliance practices. Team: Excellent communication and interpersonal skills, with the ability to influence senior leaders, regulators, and crossfunctional teams; experience managing a small team and coaching junior members to deliver highquality work. What You Will Be Offered Competitive Salary commensurate with skills, experience, and industry standards. ShortTerm Incentive (STI) Opportunity up to 20% of annual salary based on performance targets. Flexible working culture empowered to work in a way that suits your lifestyle, anywhere. Leave Programs Take5 extra annual leave, Birthday leave, and 2 days of volunteer leave per year. A culture that values collaboration, learning, and continuous improvement. (Some benefits are subject to qualifying criteria) EEO Statement EML is committed to diversity and inclusion. The company treats all people fairly, values individuality, promotes based on performance, and encourages employees to reach their full potential. We respect differences across race, ethnicity, religion, gender, culture, and physical ability, and all employees are expected to support a globally diverse environment. #J-18808-Ljbffr