Risk Manager

Summary

Join dLocal's dynamic team in Malta as a Risk Manager and IT Risk Lead. This pivotal role ensures a robust risk management framework across dLocal's operations, aligning with local and global standards. You will be the regulatory liaison with the MFSA, implement risk frameworks, conduct assessments, develop policies, and report to various stakeholders. The position requires extensive experience in financial risk management, regulatory knowledge (especially DORA), and strong analytical and communication skills. dLocal offers a remote-first culture with flexible schedules and numerous benefits, including a referral bonus program, learning and development opportunities, language classes, and a social budget.

Requirements

• Understanding of the Maltese regulatory framework. The candidate needs to be already approved by the MFSA for a similar role in another financial / credit institution or payments company
• Strong knowledge of the Digital Operational Resilience Act (DORA) and experience implementing similar regulations in various jurisdictions
• Bachelor’s degree in computer science or computer engineering, engineering, finance, economics, statistics, business administration, or a related field
• Minimum of 8 years of experience in risk management within the financial services industry, with a strong understanding of risk assessment methodologies, regulatory requirements, and industry best practices
• Proven analytical skills with the ability to analyze complex data, identify patterns, and draw meaningful insights to support decision-making
• Excellent communication and interpersonal skills with the ability to effectively engage and collaborate with stakeholders at all levels of the organization
• Strong organizational skills with the ability to manage multiple priorities and deadlines in a fast-paced environment
• Problem-solving abilities with a proactive and solution-oriented approach to addressing challenges
• Proficiency in risk management tools and software
• Familiarity with big data tools and databases (e.g., Python, SQL, Spark) and experience with data visualization tools (e.g., Looker, Power BI, Tableau, QuickSight)

Responsibilities

• Ensure alignment with all local risk requirements and act as the focal point for the Malta Financial Services Authority (MFSA)
• Support the maintenance of the risk framework across Malta and other regions, ensuring alignment with global risk management standards and local regulatory requirements
• Play a crucial role in implementing the second line of defense framework for IT Risk, ensuring that IT systems and operations comply with internal controls, best practices, and regulatory standards, starting in Malta and expanding to other countries
• Conduct comprehensive risk assessments to identify potential threats and vulnerabilities within the organization’s operations, processes, and systems
• Develop and implement risk management policies, procedures, and protocols to mitigate identified risks and ensure compliance with regulatory requirements
• Present periodic risk reports to the local Risk & Compliance Committee, Board of Directors, and the Regional Risk Forums. Additionally, prepare and submit relevant regulatory reports, including but not limited to Capital Adequacy Ratio, Wind Down Plan, ICT & Security Risk Report and other pertinent reports mandated by the MFSA and other regulatory bodies
• Monitor key risk indicators (KRIs) and performance metrics to assess the effectiveness of risk management strategies and initiatives
• Collaborate with internal stakeholders, including senior management, compliance teams, internal audit, and business units, to foster a culture of risk awareness and accountability
• Assist management during internal and external audits, examinations, and regulatory inquiries, providing documentation and support as needed
• Provide timely and insightful risk reports and recommendations to senior management and relevant committees to support strategic decision-making
• Stay abreast of emerging risks, industry trends, and regulatory developments to proactively identify potential impacts on the organization and recommend appropriate actions

Preferred Qualifications

Advanced degree or professional certification (e.g., CRISC, COBIT, CRMA, FRM, PRM, CFA, or CIA)

Benefits

• Remote work: work from anywhere or one of our offices around the globe!
• Flexibility: we have flexible schedules and we are driven by performance
• Fintech industry: work in a dynamic and ever-evolving environment, with plenty to build and boost your creativity
• Referral bonus program: our internal talents are the best recruiters - refer someone ideal for a role and get rewarded
• Learning & development: get access to a Premium Coursera subscription
• Language classes: we provide free English, Spanish, or Portuguese classes
• Social budget: you'll get a monthly budget to chill out with your team (in person or remotely) and deepen your connections!
• DLocal Houses: want to rent a house to spend one week anywhere in the world coworking with your team? We’ve got your back!