Chief Risk Officer

emerchantpay is a leading global payment service provider and acquirer for online, mobile, in-store and over the phone payments. Our global payments solution is available through a simple integration, offering a diverse range of features, including global acquiring, global and local payment methods, advanced fraud management and performance optimisation. We empower businesses to design seamless and engaging payment experiences for their consumers.

We are seeking an experienced Chief Risk Officer, residing in the Netherlands , with strong familiarity with DNB’s expectations, particularly in relation to regulated entities.

• Risk assessment - to complete risk assessments including overseeing the identification, analysis and assessment of the risks related to the clients; to take part in the periodic business wide risks assessments of the company;
• Contact to DNB – to be the primary point of contact with De Nederlandsche Bank (DNB), ensuring effective communication and compliance with regulatory requirements;
• Monitoring - to oversee the transaction monitoring programme; to assure ongoing real-time and ex-post transaction monitoring;
• Risk management – to develop risk management programme in order to address adequately the issues identified during the risk assessments particularly in relation to new products and services and new clients; to maintain a risk register and update through regular reviews; to implement preventive, detective and/or risk mitigating measures; to ensure the risk management measures are proportionate to the risks posed, in terms of their impact and probability; to oversee risk management systems, ensuring effective data capture, reporting, and integration;
• Performance evaluation - to establish risk performance indicators and monitoring and evaluating risk profile of the company;
• Decision making - to participate in the decision-making process, as appropriate, with regard to: new products, new services and their provision, risk strategy, risk profile, risk culture, risk limits, risk exposures and breaches that may occur, material changes or exceptional transactions;
• Management information – to set in place risk reporting process and to provide all relevant risk related information: assessments of the risk strategy, breaches of limits, evaluations of the risk management processes, analyses of trends and emerging risks, reports of finding; to escalate significant risk incidents and follow-through with corrective and/or remediation measures taken/ to be taken or suggested;
• Record keeping - to maintain accurate and up-to-date records of company’s risk management activities;
• Regulatory liaison & inspections – lead preparations for DNB supervisory reviews, audits, and inspections, ensuring timely delivery of information and effective follow-up on regulatory findings;
• Policy development – design, implement, and maintain company-wide risk management policies, ensuring alignment with local regulatory requirements and group standards;
• Crisis management & business continuity – develop and oversee contingency planning, incident response, and business continuity frameworks to ensure operational resilience.

• Master’s degree in law, finance, business management, or a related field;
• At least 7 years of proven experience in a risk management role within the payment industry;
• Proven experience interacting with regulators (preferably DNB, but also other EU regulators such as BaFin, FCA, or AFM is a plus);
• Strong knowledge of EU regulatory frameworks applicable to payment institutions (e.g., PSD2, AMLD, GDPR, EBA Guidelines);
• Prior experience in a board-level or senior leadership role in a financial institution or payment company is a plus;
• Fluency in Dutch (in addition to English) would be considered a strong advantage;
• Ability to balance regulatory compliance with commercial objectives, advising the Board on both risk and business impact;
• Professional risk or governance certifications are preferred;
• Integrity; strong moral principles and honest qualities;
• Creative and analytical thinking; ability to interpret rules and to apply them to real-life facts;
• Risk assessment capabilities; consider risk factors and understand their possible implication;
• Detail-oriented with problem solving skills;
• Good industry knowledge;
• Excellent written and verbal communication skills in English.

• Fast-growing payment company;
• Excellent working conditions;
• Modern, challenging, constantly growing business.

Please apply with your CV in English. Only short-listed candidates will be contacted.

Personal data of the applicants will be processed in strict confidentiality by emerchantpay ltd. UIC 175117520 solely for the purposes of selection and recruitment and will not be transferred to other data controllers unless required by law. Applicants provide their personal data on a voluntary basis and will have the right to access and correct their personal data within a reasonable time upon filing a written request. emerchantpay is an equal opportunity employer. We appreciate people with different backgrounds and mindsets and honor diversity and inclusion.