Head of Risk

WHO WE ARE

At Trustly, we're building a smarter, faster, and more secure financial future by revolutionizing the world of payments. As a global leader in Open Banking Payments, we are establishing Pay by Bank as the new standard at checkout, providing unparalleled freedom, speed, and ease to millions of consumers and merchants worldwide.

Our Ambition: To build the world’s most disruptive payment network and redefine what the payment experience should feel like.

Trustly is a global team of innovators, collaborators, and doers. If you are driven by a strong sense of purpose and thrive in a dynamic, entrepreneurial, and high-growth environment, join us and be part of a team that’s transforming the way the world pays.

ABOUT THE ROLE

We are transforming our Risk and Compliance function, and seeking a Head of Risk to own a single view of the second-line risk and control environment across Trustly's EU and UK regulated entities. Trustly’s European business operates primarily through Trustly Group AB (TGAB), a licensed payment institution based in Stockholm and supervised by the Swedish Financial Supervisory Authority (Finansinspektionen).

As the Head of Risk, you will act for Trustly’s EU and UK regulated entities, leading second-line risk oversight, stakeholder engagement and Board reporting, supported by the Global Enterprise Risk Management framework.

This role is suited to a seasoned second-line risk professional with experience in regulated financial/payment institutions, ideally with experience of engaging with regulators.

WHAT YOU’LL DO

• Act as head of risk for Trustly's EU and UK regulated entities, acting as an independent second-line function.

• Challenge first-line risk owners and report regularly to senior management and the Board on risk profile, appetite breaches and emerging risks.

• Own a single view of the second-line risk environment across the EU/UK regulated entities.

• Implement and exercise the enterprise risk management framework in the EU/UK regulated entities, including contribution to standardised reporting including Key Risk Indicators.

• Work with first line risk owners and lead the identification, assessment, monitoring and reporting of risks identified, and undertake Risk and Control Self Assessments.

• Contribute to the annual risk assessment and assurance planning.

• Ensure risk processes meet the expectations of the relevant supervisors (for example the ACPR or Finansinspektionen) and the applicable EU frameworks.

• Serve as a primary point of contact toward the relevant EU and UK regulators/supervisors on risk matters, representing the function confidently and credibly.

WHO YOU ARE

• 3-5 years experience as a second-line risk manager

• Payments sector experience preferred

• Experience engaging with EU and/or UK financial supervisory authorities is desired

• A confident and articulate approach, demonstrating an ability to represent the risk function credibly and build productive relationships across business teams

• Ability to advise and collaborate with stakeholders at various levels, including senior management and Board members.

• Sound understanding of the EU and UK regulatory landscape relevant to payment institutions

• A firm grasp of the three-lines of defence model and the independence boundary between second and third line.

• Exceptional written and verbal communication skills, with the ability to clearly explain complex concepts and present to senior leadership, Boards, and regulators.

• Willingness to work flexibly to collaborate with team members across different time zones.

WHAT WE OFFER

At Trustly, you will have the chance to solve meaningful challenges alongside some of the brightest minds in FinTech. Together, we are shaping the future of payments in an environment that celebrates curiosity, collaboration, and innovation. You will be challenged and empowered to grow, making a real impact every step of the way.

Our team is as diverse as the global footprint we serve. At Trustly, we foster a workplace where everyone feels they belong—a place where teamwork thrives, ideas flourish, and we never forget to have fun along the way. We are proud and committed to being an Equal Opportunity Employer and believe an open and inclusive environment enables people to do their best work.

Our Fantastic Benefits (varies by location)

🌴 20 to 30 days of holiday to support a healthy work-life balance

🥳 Monthly team outing allowance to enjoy social events with your colleagues

👶 Parental leave top-up additional support for new parents

☕ On-site perks to make your workday smoother

💚 Well being support our health allowance covers gym memberships, massages, and much more to help you feel your best

PLUS additional benefits designed to enhance your work-life experience!

Shape Your Role and Make an Impact

Join a dynamic environment where you can take ownership, drive change, and continuously embrace new challenges. We’re looking for dedicated and highly motivated individuals who thrive in a fast-paced environment and enjoy collaborating across different areas of the organisation.