Risk Officer (Financial Risk)

Location: Spain Workplace: hybrid About the Client Our client is a payment services provider working with merchants in complex markets. Its services support cross-border payments and multi-currency settlements. Role Overview Take ownership of financial and operational risk across international payment flows. You will help protect funds, assess counterparties and strengthen risk practices as the business develops. The role involves communication with international partners and regulators. Key Responsibilities Monitor balances held with banks, payment service providers and third-party providers. Manage FX risk and minimise losses on multi-currency conversions and settlements between Europe and Asia. Assess the financial stability of banks, payment gateway providers and major merchants. Adapt risk management policies to PSD2/PSD3 requirements and local Asian regulators, including MAS in Singapore and HKMA in Hong Kong. Prepare regular reports on operational losses and financial resilience for senior management. Requirements 3+ years in risk management at a fintech, EMI, payment institution, or bank with cross-border acquiring. In-depth knowledge of card schemes, including Visa, Mastercard and UnionPay, alternative payment methods and cross-border clearing. Familiarity with European regulatory frameworks, including the EBA Guidelines on ICT and security risk management, and Asian risk management standards for payment systems. Strong Excel and SQL skills; experience using AI tools is a plus. English at Upper-Intermediate/Advanced level for working with international partners and regulators. Fluent Russian. Key Soft Skills Sound judgement when assessing financial and operational risk. Clear communication with partners and senior stakeholders. Attention to detail in analysis and reporting. What We Offer Competitive salary aligned with experience. Collaborative and transparent team culture. High-impact role in a scaling fintech company. Recognition of personal milestones and achievements. Social benefits.