Senior Risk Analyst
TrueLayer
Senior Risk Analyst
TrueLayer
Open banking API platform for payments
TrueLayer is Europe’s fastest-growing Pay by Bank network. We power smarter, safer and faster payments by combining real-time bank payments with financial and identity data. E-commerce, iGaming and Financial Services businesses use our products to onboard new users, accept money and make payouts in seconds, and at scale. Live across 22 countries and with 1 new user joining TrueLayer’s Pay by Bank network every 3 seconds, we’re in a very exciting growth stage. This is why we’re expanding the team across our offices in London, Milan, and Dublin.
Listed in Sifted as one of the 100 fastest growing start-ups in UK & Ireland, and CNBC’s World Top Fintech Companies, we’re trusted by industry leaders like RyanAir and Just Eat Takeaway for continued innovation within our payment products. To date, we’ve raised over $300 million from world-renowned investors including Stripe, Tiger Global, Northzone, and Tencent. But this is just the beginning.
We’re looking for people who are excited about joining the Pay by Bank revolution and helping us change the way the world pays. Could this be you?
As a Senior Risk Analyst at TrueLayer, you'll play a critical role in ensuring we can innovate, scale and expand our Pay by Bank products safely across the UK and Europe. Reporting to the Head of Compliance, you'll work across our Risk and Compliance function and the wider business to identify, assess and manage the risks that come with operating a growing, multi-jurisdictional payments business.
This is a hands-on, second-line risk role with meaningful ownership and visibility. You'll lead key risk assessment activities, challenge existing controls and work with teams across the business to ensure material risks are understood, appropriately mitigated and escalated where necessary. Your work will help protect customer funds, maintain regulatory confidence and ensure that business growth is supported by effective risk management.
You'll be expected to go beyond documenting risks. You'll turn complex risk information into clear, actionable insight, influence decisions and follow through to ensure that agreed controls and mitigations are effective. You'll help the business understand not only where risks exist, but what they mean, what needs to change and how we can manage them within our risk appetite.
What success looks like
Risk visibility: Material risks across our products, operations and customer portfolio are identified, assessed and clearly understood by the right stakeholders.
Effective controls: Risk assessments and control testing lead to practical improvements, with weaknesses escalated and remediation tracked through to completion.
Safer innovation: New products, payment methods and material business changes are assessed early, enabling informed decisions before implementation.
Stronger customer risk management: Customer and counterparty exposures are assessed and monitored, with appropriate risk ratings, limits and mitigations in place.
Confident decision-making: Senior management and relevant governance committees receive clear, evidence-based reporting that supports timely and informed decisions.
Risk Self-Assessments & Frameworks
Impact Analyses & Governance
Product Risk Management
Customer Risk Management
Curious, pragmatic and independent-minded. Comfortable challenging constructively and working in a fast-moving environment.
Don’t meet all the requirements?
Multiple studies have shown that women and people of underrepresented groups are sometimes less likely to apply to jobs unless they meet every single requirement. At TrueLayer, we are committed to building a diverse workforce, so if you are excited about this role and have the essential skills, but not the entire checklist - we’d still love to hear from you!
What you can expect from us:
UK
ITALY
DUBLIN
At TrueLayer, we don’t just do inclusion and diversity. We embrace people that have different opinions, perspectives and personalities. Because we believe that by seeing the world from all sorts of angles, we can make life better for all the people who live in it. We strongly encourage applications from underrepresented groups (e.g. people of colour, the LGBTQ+ community, people with disabilities, neurodivergent people, parents, carers, and people from all socio-economic backgrounds). If you’d like to discuss alternative working patterns, please let us know.
TrueLayer provides API-based access to financial data and payments through an open banking platform. It helps fintechs, banks, and online marketplaces securely connect to customers' bank accounts to enable services such as instant bank payments, account verification, and data-driven insights. The product works by offering developers a set of APIs that integrate with banks and financial institutions under open banking rules, allowing direct, faster, and cheaper payments and streamlined data access. Compared with competitors, TrueLayer focuses on a broad, interoperable API layer that simplifies integration across many banks and partners, emphasizing security, compliance, and ease of use for developers. The company's goal is to help businesses improve user experience, reduce costs, and drive innovation by making financial data and payments easy to access and use.
Explore more opportunities at TrueLayer